키위뱅크(KB저축은행)

KB저축은행

About this app

■ Kiwibank main service information
∙kiwibank open banking
- Register accounts at other financial institutions at kiwibank, view, and transfer transactions freely!

∙Opening a non-face-to-face account (kiwi deposit and withdrawal bankbook)
- Open an account quickly and easily with your ID, smartphone, and commercial bank account number!
- You can open a business if you only have business information and a certified certificate!

[kiwi deposit and withdrawal bankbook]
- Eligibility for subscription: Individuals or individual entrepreneurs over the age of 19
- Basic interest rate (pre-tax, annual %): 1.3% below KRW 200 million, 0.2% above KRW 200 million
- Preferential interest rate (before tax, annual %): Check card preferential interest rate: 0.2%p per year
- Preferential condition: If there has been at least one transaction with 「KB Kookmin Kiwibank Check Card」 in this deposit for the last 3 months as of the end of the month in which the interest settlement date belongs (February, May, August, November) (regardless of the amount) doesn't exist)
- Preferential application limit: The basic interest rate and the preferential interest rate are added to the final deposit balance for each day during the interest calculation period up to KRW 1 million or less, and the basic rate is applied to the amount exceeding KRW 1 million
※ The interest rate may change in the future depending on the point of subscription at the current time (as of March 27, 2023).
- Final interest rate (before tax, annual %): Minimum of 0.2% to maximum of 1.5% per year
- Tax benefits: Cannot sign up for tax-free comprehensive savings
- Restrictions on principal and interest payments: Principal and interest payments may be restricted if seizure or provisional seizure is registered on the account.
- Interest payment period: Principal is added on the following day based on a certain day of the last month of each quarter (previous business day if it is a holiday)
- Restrictions on use: In the case of an account opened exclusively for individual business owners, it is not possible to issue 「KB Kookmin kiwibank check card」 and apply preferential rates.
※ This deposit is protected by the Korea Deposit Insurance Corporation in accordance with the Depositor Protection Act. The remaining amount exceeding 10 million won is not protected.
※ Please check the product description and terms and conditions before signing the contract.
※ You have the right to receive a sufficient prior explanation of the product, and please trade after understanding the explanation.

∙Loan product
[kiwi credit loan]
- Product Details: KB Savings Bank Credit Loan Representative Product
- Subject of application:
ㆍWorking period of 3 months or more, annual income of 12 million won or more
ㆍKoreans aged 20 or older who can provide proof of income
ㆍCustomers with a KCB personal credit score of 475 or higher
- Loan limit: Minimum KRW 3 million ~ maximum KRW 100 million
- Loan interest rate: Minimum of 6.9% per annum to maximum of 19.9% ​​per annum
- Calculation standard: base interest rate (procurement cost, etc.) + additional interest rate (applied differently depending on customer credit rating, etc.)
- Loan period and repayment method
ㆍMaturity date repayment method: 1 year (can be extended up to 5 years)
ㆍEqual principal and interest installment repayment method: Minimum 6 months to maximum 84 months
ㆍTime to charge interest: monthly
- Loan-related fees
ㆍPrepayment fee: prepayment loan x prepayment fee (2.0%) x number of remaining days/loan contract period )
- Overdue interest rate: contracted loan interest rate + overdue additional interest rate (3%) (※ Upper limit of overdue interest rate: within 20% per year)
- Stamp tax: When the loan amount exceeds KRW 50 million, stamp tax is incurred (50% is borne by the customer and the savings bank)
- Notes on Loan Products
ㆍThe contents of product information may be changed according to the bank's credit and interest rate policies.
ㆍYour credit rating or personal credit rating may decrease when using a loan product.
ㆍIf your credit rating or personal credit score declines, you may experience disadvantages such as restrictions on additional loans, higher loan interest rates, and lower loan limits.
ㆍIn the case of overdue, you may be obliged to repay the principal and interest before the expiration of the contract period.
ㆍLoans may be restricted for customers with low credit ratings or personal credit ratings as a result of the bank's credit evaluation, and those subject to credit management (including credit recovery support or personal rehabilitation).
ㆍWhen the maturity date of the loan has elapsed or the interest payment is delayed for 1 month (2 months in the case of household housing mortgage loan), the installment payment (interest) is to be paid twice (3 times in the case of household housing mortgage loan). In case of consecutive delays of more than one), overdue interest will be charged on the loan balance.
ㆍRight to request interest rate reduction: If your credit status has significantly improved (increase in credit rating or personal credit score, increase in annual income) compared to the time at the time of signing the loan contract, regardless of the number of applications or the time of application, you can submit evidence to the financial institution to lower the interest rate. you can demand. However, if the customer's credit status does not affect the interest rate calculation at the time of signing the contract or if the credit status improvement is minor and does not affect the interest rate recalculation, the interest rate may not be lowered depending on the results of other examinations.
ㆍRight to withdraw subscription: General financial consumers can withdraw within 14 days of loan execution.
ㆍIf you choose the maturity date repayment method, the loan contract period is 1 year and can be extended up to 5 years. If the extension is rejected according to the result of the period extension review, you must repay the entire loan balance and interest.
ㆍPlease check the product description and terms and conditions before signing the contract.
ㆍYou have the right to receive sufficient prior explanation about the product, and please trade after understanding the explanation.
ㆍFor other details, please contact the loan customer center (1899-0085) or refer to the kiwibank app and KB Savings Bank website.

∙Simple authentication service
- Sign up for banking easily without cumbersome ID/PW input, and use all banking services with only biometric authentication and simple password (PIN)
- You can transfer up to 100 million won (per day/once) to your designated account without complicated public certificates or security media

∙Voice banking
-Voice login service that registers your voice with your own phrase and authenticates only with your voice
- Transfer easily with your voice. Now senior customers are also convenient!

∙Shake it! Quickly navigate to preset menus.

∙Dutch pay, sending money for congratulations and condolences
- Easily share the money you spent together with the Dutch Pay service, and express your feelings by sending money for congratulations and condolences!

∙Mobile certificate
- Easily issue a certificate without visiting a bank (direct download or fax)
- Anyone can check the authenticity of the mobile certificate by recognizing the electronic seal (QR code) in the kiwibank app without logging in.

∙kiwi membership
- Enjoy the various benefits of kiwi membership that you can enjoy just by signing up.

■ Permissions and purpose of using the kiwibank app
∙Notification (optional): Receive push message
∙Camera (optional): ID card photo, certificate QR code photo
∙Contact information (optional): phone number transfer, safe transfer, SMS sent after transfer completion, meeting bankbook management
∙Microphone (optional): voice authentication, voice transfer
∙ Album (optional): Profile photo registration, document submission
※ You can use kiwibank even if you do not agree to the optional access right, but the use of some services may be restricted.

■ If you have any questions about kiwibank, please contact the customer center (1899-0900). (Consultation hours: weekdays 9:00-18:00)
Korea Federation of Savings Banks Deliberation No. 2023-00392 (2023.04.07 ~ 2024.04.06)
KB Savings Bank Compliance Officer Deliberation No. 2023-A00026 (2023.03.31 ~ 2024.03.30)

Ratings and reviews

Poor...no english option

What's new

kiwibank v4.5.3
- 안정성 개선