디지털페퍼 (페퍼저축은행)
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About this app
◆ Digital Pepper (Pepper Savings Bank) main service information
● Non-face-to-face account opening
- Open a deposit/withdrawal parking account with high interest benefits more easily and quickly through non-face-to-face real name verification
● Simple authentication service
- Easy and safe login and electronic signature with pattern, pin number, and biometric authentication
● Easy transfer
- Transfer money to a KakaoTalk friend without knowing the account number. Easier and faster transfer with simple authentication.
● Automatic review credit loan
- Easily check your limit, choose a recommended product that suits you, and apply for a loan to send money all at once
● Non-face-to-face business mortgage loan
- Check the market price for complex housing mortgage loans with a simple inquiry, apply through the app, and even set up electronic registration.
● Mobile document submission/certificate issuance
- Required documents related to deposits and loans can be submitted and certificates issued at once without a phone application.
● Pepper Life Service
- Open Banking > Check all my accounts in Digital Pepper, and ‘Import’ when the balance is insufficient.
- My credit management service > Manage my credit score for free and check the credit analysis report carefully
- Loan limit subscription service > Receive regular notifications of your limit without having to check your loan limit every time
- Real estate market inquiry service > Check the market price of your house, including villas and multi-family homes, by simply entering the address
● Other information
- It can only be used in one app that has gone through the identity verification process.
- Once you complete membership registration and open a deposit/withdrawal account, you can use more services.
- Investigate credit disorder.
(Prevention of voice phishing damage for customers using Digital Pepper App through malicious app detection) Items: Malicious App detection information, diagnostic information for detected malicious Apps
- Pepper Savings Bank Digital Pepper Customer Center: 1644-3993
● Information on permissions and purpose of using the app
- Telephone and contact information (required): Call customer service center, send SMS
- Notification (optional): Receive push message
- Camera and photo (optional): Take an ID card and submit documents
- Biometrics (optional): Easy login
- Location (optional): Find an ATM near your location
※ You can use the Digital Pepper app even if you do not agree to the optional access rights, but use of some services may be restricted.
● [Peppers Parking Account 4]
- Product Name: Peppers Parking Account 4 (Deposit/Withdrawal Account)
- Eligibility for subscription: Real-name individuals aged 19 or older (one account per person)
- Basic interest rate: Differential interest rate applied by amount range 2.2% per year for less than 50 million won, 1.0% per year for more than 50 million won (pre-tax, variable interest rate)
- Interest payment period: The third Saturday of the last month of each quarter is the settlement date and is added to the principal the next day.
- This product is a non-face-to-face exclusive product that can be signed up through the Digital Pepper app.
※ Notice
- This deposit is protected up to 50 million won per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest, in accordance with the Depositor Protection Act.
- 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 understand the explanation before transacting.
- Interest rates may change, so be sure to check the website or app.
● [Peppers Smart Loan]
- Product Name: Peppers Smart Loan
- Interest rate: minimum 6.9% per year ~ maximum 19.9% per year
- Limit: 3.1 million won ~ 100 million won
- Loan period: 1 to 10 years
- Loan target: 19 years of age or older and subscribed to workplace health insurance
- Repayment method: repayment in equal installments of principal and interest
- Interest charging period: Designated payment date and loan maturity date each month
- Delinquent interest rate: Loan agreement interest rate + 3% per year (up to 20% per year)
- Early repayment fee: up to 1.9% within 3 years (repayment amount
However, if the remaining loan period is less than 1 month, the early repayment fee before the due date is not applied.
- Handling fee: None
- Incidental expenses: Stamp fee (exceeding 50 million won / 50% of the amount determined by the Stamp Duty Act)
- Loan example cost: If 3.1 million won is loaned with equal repayment of principal and interest over 12 months at 6.9% per annum, the total repayment amount is 3,217,080 won (the amount may differ when actually loaned)
● [Pepper Speed Loan]
- Product Name: Pepper Speed Loan
- Interest rate: minimum 6.9% per year ~ maximum 19.9% per year
- Limit: 3.1 million to 5 million won
- Loan period: 3 years
- Loan target: Customers aged 19 or older (however, for non-employees, aged 30 or older), subscribed to workplace health insurance, or customers who can provide proof of estimated income
- Repayment method: Deferred principal and interest equal installment repayment
- Interest charging period: Designated payment date and loan maturity date each month
- Delinquent interest rate: Loan agreement interest rate + 3% per year (up to 20% per year)
- Early repayment fee: up to 1.9% within 3 years (repayment amount
However, if the remaining loan period is less than 1 month, the early repayment fee before the due date is not applied.
- Handling fee: None
- Incidental costs: None
- Loan example cost: If 3.1 million won is loaned with equal repayment of principal and interest over 36 months (1 year grace period) at 6.9% per annum, the total repayment amount is 3,541,430 won (the amount may differ when actually loaned)
※ Common information for credit loans
- The loan interest rate is a variable interest rate every 3 months and is determined by the base interest rate + additional interest rate.
- The base interest rate applies the weighted average interest rate (based on balance) of all Pepper Savings Bank term deposits in the three months immediately preceding the month preceding the month in which the loan was handled. (Digital Pepper APP/WEB Customer Support → Refer to the monthly variable base interest rate information in the notices)
https://digital.pepperbank.kr/web/cs/bd/WCSBD11000.view
- In the case of floating rate loans, the loan interest rate may increase until loan repayment is completed, and when the loan interest rate increases, the financial burden may increase.
- Loans are eligible for customers who are 19 years of age or older and have a NICE credit rating of 350 or higher who can provide proof of income, and the loan may be rejected according to the bank's loan screening standards.
- Pepper Savings Bank has a variety of credit loan products, and product conditions such as limit, interest rate, period, and repayment method may vary depending on the screening criteria.
※ Notes on loan products
- Depending on credit rating, personal credit score, or income, the loan amount/interest rate may be applied differently or loan processing may be restricted.
- 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 understand the explanation before transacting.
- In case of late payment, you may be required to repay the principal and interest before the expiration of the contract period.
- Excessive borrowing can cause a decline in personal credit score.
- A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
Pepper Savings Bank Compliance Officer Review No. 2024-0137 (2024.03.22~2025.03.21)
Reviewed by the Korea Federation of Savings Banks 2024-00437 (2024.04.05~2025.04.04)
● Non-face-to-face account opening
- Open a deposit/withdrawal parking account with high interest benefits more easily and quickly through non-face-to-face real name verification
● Simple authentication service
- Easy and safe login and electronic signature with pattern, pin number, and biometric authentication
● Easy transfer
- Transfer money to a KakaoTalk friend without knowing the account number. Easier and faster transfer with simple authentication.
● Automatic review credit loan
- Easily check your limit, choose a recommended product that suits you, and apply for a loan to send money all at once
● Non-face-to-face business mortgage loan
- Check the market price for complex housing mortgage loans with a simple inquiry, apply through the app, and even set up electronic registration.
● Mobile document submission/certificate issuance
- Required documents related to deposits and loans can be submitted and certificates issued at once without a phone application.
● Pepper Life Service
- Open Banking > Check all my accounts in Digital Pepper, and ‘Import’ when the balance is insufficient.
- My credit management service > Manage my credit score for free and check the credit analysis report carefully
- Loan limit subscription service > Receive regular notifications of your limit without having to check your loan limit every time
- Real estate market inquiry service > Check the market price of your house, including villas and multi-family homes, by simply entering the address
● Other information
- It can only be used in one app that has gone through the identity verification process.
- Once you complete membership registration and open a deposit/withdrawal account, you can use more services.
- Investigate credit disorder.
(Prevention of voice phishing damage for customers using Digital Pepper App through malicious app detection) Items: Malicious App detection information, diagnostic information for detected malicious Apps
- Pepper Savings Bank Digital Pepper Customer Center: 1644-3993
● Information on permissions and purpose of using the app
- Telephone and contact information (required): Call customer service center, send SMS
- Notification (optional): Receive push message
- Camera and photo (optional): Take an ID card and submit documents
- Biometrics (optional): Easy login
- Location (optional): Find an ATM near your location
※ You can use the Digital Pepper app even if you do not agree to the optional access rights, but use of some services may be restricted.
● [Peppers Parking Account 4]
- Product Name: Peppers Parking Account 4 (Deposit/Withdrawal Account)
- Eligibility for subscription: Real-name individuals aged 19 or older (one account per person)
- Basic interest rate: Differential interest rate applied by amount range 2.2% per year for less than 50 million won, 1.0% per year for more than 50 million won (pre-tax, variable interest rate)
- Interest payment period: The third Saturday of the last month of each quarter is the settlement date and is added to the principal the next day.
- This product is a non-face-to-face exclusive product that can be signed up through the Digital Pepper app.
※ Notice
- This deposit is protected up to 50 million won per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest, in accordance with the Depositor Protection Act.
- 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 understand the explanation before transacting.
- Interest rates may change, so be sure to check the website or app.
● [Peppers Smart Loan]
- Product Name: Peppers Smart Loan
- Interest rate: minimum 6.9% per year ~ maximum 19.9% per year
- Limit: 3.1 million won ~ 100 million won
- Loan period: 1 to 10 years
- Loan target: 19 years of age or older and subscribed to workplace health insurance
- Repayment method: repayment in equal installments of principal and interest
- Interest charging period: Designated payment date and loan maturity date each month
- Delinquent interest rate: Loan agreement interest rate + 3% per year (up to 20% per year)
- Early repayment fee: up to 1.9% within 3 years (repayment amount
However, if the remaining loan period is less than 1 month, the early repayment fee before the due date is not applied.
- Handling fee: None
- Incidental expenses: Stamp fee (exceeding 50 million won / 50% of the amount determined by the Stamp Duty Act)
- Loan example cost: If 3.1 million won is loaned with equal repayment of principal and interest over 12 months at 6.9% per annum, the total repayment amount is 3,217,080 won (the amount may differ when actually loaned)
● [Pepper Speed Loan]
- Product Name: Pepper Speed Loan
- Interest rate: minimum 6.9% per year ~ maximum 19.9% per year
- Limit: 3.1 million to 5 million won
- Loan period: 3 years
- Loan target: Customers aged 19 or older (however, for non-employees, aged 30 or older), subscribed to workplace health insurance, or customers who can provide proof of estimated income
- Repayment method: Deferred principal and interest equal installment repayment
- Interest charging period: Designated payment date and loan maturity date each month
- Delinquent interest rate: Loan agreement interest rate + 3% per year (up to 20% per year)
- Early repayment fee: up to 1.9% within 3 years (repayment amount
However, if the remaining loan period is less than 1 month, the early repayment fee before the due date is not applied.
- Handling fee: None
- Incidental costs: None
- Loan example cost: If 3.1 million won is loaned with equal repayment of principal and interest over 36 months (1 year grace period) at 6.9% per annum, the total repayment amount is 3,541,430 won (the amount may differ when actually loaned)
※ Common information for credit loans
- The loan interest rate is a variable interest rate every 3 months and is determined by the base interest rate + additional interest rate.
- The base interest rate applies the weighted average interest rate (based on balance) of all Pepper Savings Bank term deposits in the three months immediately preceding the month preceding the month in which the loan was handled. (Digital Pepper APP/WEB Customer Support → Refer to the monthly variable base interest rate information in the notices)
https://digital.pepperbank.kr/web/cs/bd/WCSBD11000.view
- In the case of floating rate loans, the loan interest rate may increase until loan repayment is completed, and when the loan interest rate increases, the financial burden may increase.
- Loans are eligible for customers who are 19 years of age or older and have a NICE credit rating of 350 or higher who can provide proof of income, and the loan may be rejected according to the bank's loan screening standards.
- Pepper Savings Bank has a variety of credit loan products, and product conditions such as limit, interest rate, period, and repayment method may vary depending on the screening criteria.
※ Notes on loan products
- Depending on credit rating, personal credit score, or income, the loan amount/interest rate may be applied differently or loan processing may be restricted.
- 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 understand the explanation before transacting.
- In case of late payment, you may be required to repay the principal and interest before the expiration of the contract period.
- Excessive borrowing can cause a decline in personal credit score.
- A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
Pepper Savings Bank Compliance Officer Review No. 2024-0137 (2024.03.22~2025.03.21)
Reviewed by the Korea Federation of Savings Banks 2024-00437 (2024.04.05~2025.04.04)
Updated on
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