GO BANK(고려저축은행)

고려저축은행

Contains ads

About this app

App Information
Korea Savings Bank GO BANK is a new integrated deposit/loan app service launched by Korea Savings Bank.
This app allows customers to conveniently and securely sign up for a variety of financial products (deposits and loans).
You can conveniently open savings accounts and time deposits without visiting the bank, and enjoy seamless access to everything from loan applications to remittances.

[Korea Savings Bank's "GO BANK" Key Services]

1. Banking Services
① Inquiry (Full Account Inquiry / Transaction History Inquiry / Change of Savings Deposit Payment Date / Automatic Re-deposit upon Maturity / Savings Deposit)
② Transfer (Immediate Transfer / Automatic Transfer (International Bank/Our Bank/CMS) / Scheduled Transfer / Delayed Transfer)
③ Banking Management (Transfer Limit Inquiry/Reduction / Transfer Limit Increase / Delayed Transfer Service Registration/Cancellation / Account Password Change and Error Remedy, etc.)
④ Accident Reporting (Passbook, Seal, Security Card, OTP, and Cash Card Accident Reporting and OTP Accident Recovery)
⑤ Non-face-to-face Savings Account Opening (Application / Account Opening Application Details Inquiry/Cancellation)

2. Loan Services
① Loan Application (Automatic Loan Application / General Loan Application / (Secured Loan Application)
②Loan Limit Inquiry
③Loan Progress Inquiry
④Deposit-Collateralized Loan Results Inquiry
⑤Loan Account Inquiry (All Accounts Inquiry / Transaction History Inquiry / Loan Cancellation Account Inquiry)
⑥Loan Repayment Inquiry/Payment (Interest Payment Amount Inquiry / Expected Repayment Amount Inquiry / Interest (Principal and Interest) Immediate Withdrawal Request / Principal Repayment/Limit Cancellation / Deposit-Collateralized Loan Offset)
⑦Loan Repayment Schedule Inquiry (Maturity Status / Repayment Schedule (Interest Payment Due Date))
⑧Right to Request Interest Rate Reduction (Application/History Inquiry)
⑨Loan Withdrawal (Application/Inquiry/Cancellation)

3. Deposit and Loan Product Application
①Deposit Products
②Loan Products

4. Required Loan Processing
①Online Document Submission
②Fill Out Electronic Contract
③Agree to Credit Query and Complete Eligibility Test

5. Customer Center
①Notices
②Help
③E-Public Complaints
④Online Counseling Center
⑤Right to Request Interest Rate Reduction
⑥Branch Information
⑦User Preferences
⑧User Guide (Hours of Operation / Connecting to a Customer Service Representative)
⑨Terms and Conditions / Privacy Policy (Terms of Use / Electronic Financial Terms and Conditions / Privacy Policy)
⑩Request for Certificate Issuance (Deposit Balance Certificate / Debt Balance Certificate / Financial Transaction Confirmation / Withholding Tax Receipt / Non-face-to-face Application)
⑪Right to Cancel Illegal Contracts

6. User Information Management
①User Information Inquiry/Change
②User Password Change
③Lost/Re-registered User Password
④Recover 5-Time Error Password Errors
⑤Initial User Password Registration
⑥Release Long-Term Inactivity

7. Authentication Center
①Joint Certificate Information
②Joint Certificate Copy (PC → Smartphone Copy / Smartphone → PC Copy)
③Joint Certificate Management (Joint Certificate Registration / Joint Certificate Cancellation / Joint Certificate Registration / Joint Certificate Management)

8. Security Center
① Electronic Financial Fraud Prevention Service
② Simple Password Authentication Management (Registration/Re-registration/Cancellation)
③ Pattern Authentication Management (Registration/Re-registration/Cancellation)
④ Fingerprint Authentication Management (Registration/Re-registration/Cancellation)
⑤ Face ID Authentication Management (Registration/Re-registration/Cancellation)
⑥ mOTP Management (Setting/Reset/Cancellation)
⑦ OTP Correction
⑧ Other Institution OTP Management (Registration/Change)
⑨ Terminal Designation Service (Registration/Inquiry/Cancellation)
⑩ Additional Authentication Service (Registration/Change)
⑪ Authentication Exception Service

9. App Version

[Korea Savings Bank Customer Center]
Customer Support Team: 1877-9900 (Weekdays 09:00 ~ 18:00)

[App Permissions and Purpose Information]
1. Storage Space [Required]: Joint Certificate Storage, Temporary Storage Use
2. Camera [Required]: Non-face-to-face Photographing your ID for identity verification
3. Photo [Required]: Use the photo stored on your device for identity verification
4. Phone [Required]: Use to collect mobile device information
5. Location [Required]: Search for branch locations
6. SMS [Required]: Send information such as transfer results

Items for investigating credit-related violations (preventing voice phishing attacks against customers using the Korea Savings Bank app by detecting malicious apps): Malicious app detection information, diagnostic information on detected malicious apps

[Korea Savings Bank Loan Products]
Product Name: Go-Pass Loan
- Loan Eligibility: Salaried workers aged 25 or older with proof of income (however, housewives may be considered without proof of income). Applicants must have a NICE Personal Credit Score of 451 or higher and an annual income of 22 million won or more.
- Loan Limit: Minimum 5 million won ~ Maximum 80 million won (up to 5 million won for housewives)
- Loan Term: 12 months ~ 120 months
- Loan Interest Rate
Loan Interest Rate = Base Rate (Funding Rate) + Premium Rate
Base Rate: Funding Cost
Premium Rate: Differentiated based on the bank's internal ratings, etc.
*Go-Pass Loan: 7.15% ~ 19.99% per annum (differentiated based on internal standards) (Base Date: October 1, 2025 / Fixed Rate)
- Default Interest Rate: Agreed Rate + 3.0% (Up to 20%)
Does not exceed the statutory interest rate, including interest and fees
- Interest Charge Period: Monthly arrears (automatic transfer available)
- Principal and Interest Repayment Method: Equal installments of principal and interest
- Early Repayment Terms (Fees): Loan Amount x Early Repayment Fee Rate x Number of Days Remaining / Loan Agreement Period
■ Early Repayment Fee Rate: 1.73% (However, the early repayment fee applies only to repayments made within 3 years from the loan origination date) (Applicable)
- Stamp duty
* KRW 70,000 for amounts exceeding KRW 50 million (customer pays 50%)
- Notes
Please review the product description and terms and conditions before signing the contract.
You have the right to receive a thorough explanation of the product in advance.
Please understand the explanation before making a transaction.
Excessive borrowing may lower your personal credit score.
A decline in your personal credit score may result in restrictions or disadvantages in financial transactions.
In the event of a default, you may be required to repay the principal and interest before the end of the contract period.
Loan eligibility is determined based on the savings bank's screening criteria and the customer's credit rating.
Loan interest rates may change depending on changes in the base rate.
If there are changes in your personal information at the time of extension, part or all of the loan may be recovered.
If loan repayment or interest payments are delayed, a default interest rate will be applied, and you may face financial disadvantages such as setoffs with other receivables, such as deposits, or legal proceedings.
Interest rates are calculated as of the time of advertisement posting. For more detailed information, please visit the relevant financial institution's website or branch. It's possible.

Korea Savings Bank Compliance Officer Review No. 2025-117 (October 14, 2025 - October 13, 2026)
Korea Savings Bank Federation Review No. 2025-01244 (October 21, 2025 - October 20, 2026)

Ratings and reviews

Work.so.good

Seada jemal Aliyi

Alfurkan

What’s new

앱 안정성 강화