모아저축은행 디지털뱅크

모아저축은행

About this app

Moa Savings Bank is launching a new Moa Digital Bank app.
We will strive to provide safer and more convenient services to Moa Digital Bank customers.

[Services provided by Moa Digital Bank]
•Non-face-to-face account opening service: Opening an account for free deposits and withdrawals through non-face-to-face real-name verification (different procedures for each product)
•Convenient transfer service: Easy and fast remittances such as transfers and scheduled transfers
•Financial product mall: Various financial products such as loans for office workers, business owners, and housewives, and e-Moa regular savings

[Moa Digital Bank digital authentication service]
•Easy login with simple password, pattern authentication, and biometric authentication
•Moa banking service available without visiting a branch

[Moa Savings Bank Office Worker Credit Loan (Trust Loan)]
•Eligibility
- Customers aged 19 or older who can prove their income
- NICE credit score of 600 or higher

•Loan limit
- KRW 3 million or more and KRW 50 million or less
(Differential application depending on personal credit score and income)

•Loan period
- Equal installment repayment of principal and interest: Minimum 12 months ~ Maximum 84 months

•Interest rate type
- Fixed interest rate

•Loan interest rate
- Minimum 13.1% per annum ~ Maximum 19.9% ​​per annum (as of April 16, 2025)
(Differential application depending on personal credit rating and income)

•Repayment method
- Equal installment repayment of principal and interest: Repay the principal and interest (principal + interest) equally over the loan period

•Interest payment method
- Monthly post-payment

•Fees
- Handling fee: None

•Premature repayment fee
- Premature repayment fee: Premature repayment amount x Premature repayment fee rate (1.7%) x (Loan remaining period/Loan period)
* ​​Exemption criteria: Premature repayment fee is exempted after 3 years from the loan handling date

•Required documents
- Identification card, resident registration copy, income verification documents, etc.

•Overdue interest rate
- Loan interest rate + 3% or less (maximum annual 20%)

•Cognitive Tax
- None

•Loan Interest Rate Calculation Criteria
- Loan Interest Rate = Base Interest Rate + Surcharge
- Base Interest Rate: Procurement Cost
- Surcharge: Differentially applied based on the bank's internal rating, etc.

•Notes
- Loans may be rejected based on internal review criteria.
- Please check the product description and terms and conditions before signing the contract.
- You have the right to receive sufficient prior explanation of the product, and please understand the explanation before making a transaction.
- Excessive borrowing may cause a decrease in your personal credit score.
- A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions.
- In case of delinquency, you may be required to repay the principal and interest before the end of the contract period.
- For other details, please contact the customer center (1566-0007).

[Moa Savings Bank Customer Center]
- Electronic finance, deposit inquiries, and loan inquiries: 1566-0007 (Weekdays 9:00-18:00)

[Moa Digital Bank Usage Rights and Purpose Guide]
• Required access rights
- Taking pictures and recording videos: Permission to process ID card authenticity verification when applying for a loan or verifying identity.

- Making and managing calls: Permission to process direct call buttons for branches, ARS identity verification.
- Access to photos, videos, music, and audio: Required permissions used when signing up for a joint certificate membership, copying joint certificates, electronic loan agreements, and electronic financial transfers.

• Compliance Supervisor Review
- No. 2025-222 (2025.04.29~2026.04.28)

• Savings Bank Central Federation Review
- No. 2025-00278 (2025.03.18~2026.03.17)