Shinhan Bank Youth Hope Savings
Application review
Kookmin Bank vs Shinhan Bank Comparison
Kookmin Bank and Shinhan Bank with the same preferential interest rate!!
Finally, I have a non-demanding condition. 국민은행 한도제한계좌
I applied with Shinhan Bank!!
With a limit-limited account, only 300,000 won
I was embarrassed and searched for a solution and completed the application T-T
To apply without hesitating like me
I will try to use it as simple and easy as possible 😎 !!
[Registration is possible on 2/28~3/4, regardless of the year of birth, during business hours. Excluding 3/1] 이베이스매뉴얼
1. Kookmin Bank vs Shinhan Bank
Compare preferential interest rates!
In conclusion, let me just say,
Kookmin Bank and Shinhan Bank’s maximum preferential interest rate is 6.00%.
Same!!
Then you need to choose a condition that is easier to receive ✔️
I thought it would be complicated to move the payroll,
Shinhan Certificate and Money Bus
It takes less than 5 minutes to sign up, and there is no burden because it does not cost money!
Even at Shinhan Bank, it was possible if there was no savings account for one year immediately before joining, so I decided to use Shinhan right away and proceeded with the installment savings account🙃
2. How to apply for Shinhan Bank Youth Hope Savings Savings Account
Let me introduce you to a simple mobile application method!
✔️ First, download the ‘Shinhan SOL’ app
(I
✔️Open the app -> Products/Services -> Savings/Subscription -> ‘Shinhan Youth Hope Savings’ -> Click Sign Up 🏃
✔️You can check whether you are eligible for preferential first deposit! (0.50%)
(The remaining 0.50% interest rate for Shinhan certificates and minibuses is applied until maturity, so it does not appear to be applied first!! Don’t worry!!)
Don’t be surprised that only 0.50% applies!
3. How to get the maximum preferential interest rate
Issuance of Shinhan Certificate + Sign up for Money Bus
5 minutes cut!
Money Bus allows you to view other bank accounts at a glance
We help you manage your assets!
No need to link all banks
I think you only need to set one or two ☺︎ !!
Seriously.. Make sure to get the preferential rate of 0.50% in just a few minutes.
🤔
(You have to keep it until the expiration date!)
4.Limited account? How to solve it
Open an account one day in advance to apply
I thought I was ready and started at 9:30 in the morning
I opened the app to sign up!
I survived because there were a lot of simultaneous users T-T
by the way!!!! In the meantime, I went through the registration process.
It’s a limit-limited account, so only 300,000 won can be transferred!!!!
I almost threw my phone hahahaha
Don’t get lost like me!!! I’ll show you how to deposit 500,000 won right away even with a limit-limited account 🥲
(Add another bank account before signing up for savings account)
Phew.. I went through this process 10 times..
1. Add existing other bank account (possible tossing)
Shinhan SOL main screen
⬇️
full account
⬇️
Add Account + Click
2. How to apply when signing up for savings account
Direct Debit Settings ❌❌
uncheck checkbox
+
Set up a withdrawal account (added other bank account)
(If you are a Toss user like me, you can use the Toss app.
All – Remittance – It is convenient to use automatic debit!)
It took me two hours to get lost with the server delay, but..!!
I hope you can easily and quickly sign up for the remaining 5 sub-systems 💖 !!!!
Most of the account openings these days are conducted online and mobile non-face-to-face account openings rather than visiting a bank branch. This is because the bank’s reduction of branches has increased waiting times and made visiting branches more difficult. Therefore, there is a tendency to prefer non-face-to-face work for simple tasks. Nevertheless, due to financial transaction scams such as voice phishing and cannon bankbooks, the procedures have become more complicated and the restrictions have increased. Let’s find out how to unlock KB Kookmin Bank’s non-face-to-face financial transaction limit account.
What is a financial transaction limit account?
If the purpose of opening an account is recognized even though it is not possible to submit evidence, it can be used as an account with limited financial transaction limit.
✅ Restrictions
✔Only one account per person can be opened
✔Withdrawal limit per day at the counter: 1 million won
✔Cash (check) card Domestic (foreign) automatic machine withdrawal and transfer limit of KRW 300,000 per day, respectively
✔Internet Banking/Phone Banking/Live Sending 1 day transfer limit of 300,000 won each
✔Withdrawal from bankbooks from automatic devices: Non-media withdrawals (without bankbooks/cardless): Registration not allowed
How to release an account with a limit on financial transactions
If you want to use without restriction on financial transaction limits, you can request cancellation by visiting a branch near you by preparing evidence suitable for the purpose of financial transaction.
✅Example of proof of financial transaction purpose
✔ Payroll
: Employment certificate, pay stub, earned income withholding tax receipt
✔ Pension Receipt Passbook
: Pension certificate (confirmation of pension beneficiary, etc.)
✔Business passbook
: Goods supply contract (invoice), (electronic) tax invoice, financial statement, VAT certification office, tax payment certificate, etc.
✔ Meeting book
: Documents proving the meeting, such as member list, bylaws, etc.
✔ Utility bills and management expenses
: Utility bill payment receipt, management fee receipt, etc.
✔Other cases
: Objective evidence to confirm the purpose of opening
In order to unlock the financial transaction limit account and use it as a regular account, you must visit a bank branch to submit documents. If it is confirmed that the person is really using the bankbook, there are cases where an exception is made from the submission of documents.
✅ Exceptions to document submission
Accounts that have met the criteria for accreditation with the same items for the past 3 months in a row can be released from the limit of financial transaction even with the transaction history without supporting documents.
✔ Detailed criteria for each item of transaction history recognition
· Salary transfer: Salary transfers of KRW 500,000 or more per case (National Treasury, Giro, CMS, payroll pre-date, Topline and corporate internet banking according to Kookmin Bank payroll contract)
· KB card payment: Credit card payment (including cash service, excluding check/prepaid card payment)
· Utility bill transfer: Automatic payment of 3 or more monthly utility bills (apartment management fee, Giro, CMS, firm banking) performance
Merchant payment: Card affiliate payment results paid by KB Kookmin Bank (including KB Kookmin Card/KB Kookmin Check Card and prepaid card)
· Pension receipt: National Pension, Civil Service Pension, Private School Teacher Pension, Military Pension and Veterans’ Compensation Benefit
We have learned how to cancel the limit of financial transaction limit at KB Kookmin Bank.
then come on
In this post, I will write about how to unlock Kookmin Bank’s limit-limited account. I made a bankbook, but it is really inconvenient to use if it is an account with a limit. That’s why it’s a sequel to loosen the restrictions and use them. In addition, to solve this problem, various documents or accreditation criteria must be satisfied. Sometimes you have to visit the store in person.
In the case of documents, it is easier to prepare than you think, but it seems cumbersome to have to visit a branch in person to meet the accreditation standards. Let’s take a look at how to unlock Kookmin Bank’s limit-limited account.
When you open a bank account, if you fail to submit supporting documents, but the purpose of opening an account is recognized, you can use it as an account with limited financial transaction limits. Restrictions include:
Only one account per person can be opened, and the daily withdrawal limit at the window is 1 million won, and cash (check) card domestic and overseas automatic machines are each with a daily withdrawal and transfer limit of 300,000 won. Internet Banking/Phone Banking/Live Send The daily transfer limit is also 300,000 won each, and automatic machine account withdrawal/withdrawal without media (without bankbook/without card): registration is not allowed.
To lift the limit on financial transaction, you have to go through a branch in person to the nearest branch and request the cancellation with the necessary evidence for the purpose of the financial transaction.
Evidence of financial transaction purpose confirmation is as follows. There are many things, so you can prepare the applicable items and visit the branch.
Salary Passbook: Employment certificate, pay stub, wage and salary income withholding receipt, etc.
Pension receipt passbook: Pension certificate (confirmation of pension beneficiary, etc.)
Business passbook: goods supply contract (invoice), (electronic) tax invoice, financial statements, VAT certificate, tax payment certificate, etc.
Meeting passbook: Documents proving the meeting, such as membership list, bylaws, etc.
Utility bills, management fee bankbook: utility bill payment receipt, management fee receipt, etc.
In other cases: objective evidence to confirm the purpose of establishment is required
If you meet the criteria for recognition without documents, you may be able to cancel the transaction limit account. There must be data that have met the criteria for recognition with the same item for the last 3 months in a row.
The detailed criteria for each transaction history recognition item are as follows.
1. Salary transfer: Salary transfer of 500,000 won or more per case (National Treasury, Giro, CMS, payroll pre-date, Topline and corporate internet banking according to Kookmin Bank payroll contract)
2. KB Card Payment: Credit card payment (including cash service, excluding check/prepaid card payment)
3. Utility bill transfer: Achievement of automatic payment of 3 or more monthly utility bills (apartment management fee, Giro, CMS, firm banking)
4. Merchant payment: Card member payment results paid by KB Kookmin Bank (including KB Kookmin Card/KB Kookmin Check Card and Gift Card)
5. Pension receipt: National pension, civil servant pension, private school teachers’ pension, military pension and veterans’ pension
There are various methods like this, so you can use any available means to unlock the restricted account. So, to end this post, it was time to find out how to unlock Kookmin Bank’s limit-limited account.