IBK저축은행 i-Bank

IBK저축은행

About this app

This is IBK Savings Bank's new mobile app i-Bank.
We provide benefits that only IBK Savings Bank customers can enjoy, including free transfer fees, easy loan limit inquiry, and non-face-to-face loans without visiting the bank.

[main function]
■ Banking
- Entire account inquiry, transaction history inquiry, transfer, account password change and error removal
- Fast and convenient login using fingerprint, pattern, simple password, etc.
■ Easy transfer service
- A service that allows you to easily transfer money up to 3 million won per day at once
■ Non-face-to-face service
- Opening a new deposit/savings account: Financial services that do not require a visit to the bank, such as a unique term deposit (simple interest/compound interest), a very smart term deposit, and a very useful ordinary deposit.
- Electronic financial subscription, check card application, electronic loan agreement, identity verification, online document submission

■ i-Big Loan U Plus: Employee screening method, credit loan for office workers
- Loan target: Customers aged 20 or older who can provide proof of income
Employees who have been employed at their current workplace for more than 120 days (annual income of KRW 24 million or more)
Those whose limit is calculated by our CSS rating system (NICE personal credit score of 725 points)
or higher and KCB personal credit score of 535 or higher)
- Loan interest rate: 7~17% per year (applied differently depending on customer AS level)
- Loan limit: minimum 5 million won ~ maximum 100 million won
- Loan period: minimum 12 months ~ maximum 60 months
※ Selectable in 12-month increments
- Delinquent interest rate: Loan interest rate +3% or less (delinquent interest rate added), maximum 20% or less
- Incidental costs: Revenue stamp costs are incurred due to taxes paid at the time of loan agreement in accordance with the Stamp Duty Act.
Loan amount up to 50 million won: Exemption
대출금 5천만원 초과 ~ 1억원 이하 : 수입인지비용 7만원 (고객과 저축은행 각 50%씩 부담)
Early repayment fee: 1.6% of the repayment amount
※ 기한전 상환대출금액X기한전 상환수수료율X대출잔여일수/대출기간
- Interest charging period: collected every month
- Repayment method: repayment in equal installments of principal and interest
- Loan repayment example: For a loan of 10 million won with 15% repayment in equal installments over 60 months, the total repayment amount including principal and interest is 14,283,348 won.

■ i-빅론U : 직원심사방식 직장인 신용대출
- 대출대상 : 소득증빙이 가능한 만 20세 이상 고객
현직장 재직기간 120일이상 근로자(연소득 24백만원이상)
당행 CSS평가시스템에 의해 한도가 산출되는 자(NICE개인 신용평점 725점
or higher and KCB personal credit score of 535 or higher)
- 대출금리 : 연 11~19%대 (고객AS등급에 따라 달리 적용)
- 대출한도 : 최저 5백만원 ~ 최대 60백만원
- 대출기간 : 최소 12개월 ~ 최장 60개월
※ Selectable in 12-month increments
- 연체금리 : 대출금리 +3%이내(연체가산 이자율), 최대 20% 이내
- additional fee
· 인지세법에 따라 대출 약정시 납부하는 세금으로 수입인지비용 발생
· Loans up to 50 million won - exempted
· 대출금 5천만원 초과 ~ 1억원 이하 - 수입인지비용 7만원(고객과 저축은행 각50% 부담)
Early repayment fee: 1.6% of the repayment amount
※ 기한전 상환대출금액X기한전 상환수수료율X대출잔여일수/대출기간
- Interest charging period: collected every month
- Repayment method: repayment in equal installments of principal and interest
- Loan repayment example: For a loan of 10 million won with 15% repayment in equal installments over 60 months, the total repayment amount including principal and interest is 14,283,348 won.

■ 온라인 햇살론 : 저소득, 저신용자를 위한 근로자 정부지원대출
- Loan target: Customers aged 19 or older who can provide proof of income
: A person with an annual income of 45 million won or less and a personal credit score in the bottom 20/100
※ However, if annual income is less than 35 million won, application is possible regardless of NICE credit rating.
① Regular payment of health insurance premiums at current workplace for at least 3 months
② Do not own a house in your name
③ Have a public certificate in your name and a mobile phone
You can apply if all of ①, ②, and ③ above apply.
- Loan interest rate: 9% per year (12-month variable interest rate)
※ As a product exclusive to the I-Bank app, the interest rate is 0.75%p preferential interest rate compared to Sunshine Loan (employees).
* Loan interest rate = base interest rate + additional interest rate
- Base interest rate: Weighted average interest rate for one-year maturity term deposits of all savings banks in the previous month
- Additional interest rate: Applied differently depending on customer credit rating, etc.
- Loan limit: Up to 15 million won
- Delinquent interest rate: Loan interest rate +3% or less (delinquent interest rate added), maximum 20% or less
- Incidental costs: Guarantee fee (2% of the deposit amount, 1% for socially considerate persons)
- Interest charging period: collected every month
- Loan period: 3 years, 5 years (repayment of principal in equal installments)
- Early repayment fee: None
- Loan repayment example: For a loan of 10 million won with 9% repayment of the principal in equal installments over 60 months, the total repayment amount including principal, interest, and guarantee fee is 12,760,185 won.

■ Stock loan: Online stock purchase loan collateralized by securities and deposits in a securities account
※ For detailed product information, please refer to the IBK Savings Bank website (sbloan.ibksb.co.kr/ibk/loan/loan_05_03.jsp).

■ Between Stone 2 Loan: Government-supported loan for traders with medium and low credit
※ For detailed product information, visit the IBK Savings Bank website (sbloan.ibksb.co.kr/ibk/loan/loan_02_02.jsp)
Please note.

※ For detailed product information, visit the IBK Savings Bank website (www.ibksb.co.kr).
Please note.
· 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 after understanding the explanation,
Please do business.
· 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.
· In case of late payment, an obligation to repay the principal and interest may arise before the expiration of the contract period.
[Authentication/Security Instructions]
- Supports the Korea Federation of Savings Banks’ simple authentication service. (Provides PIN, pattern, and fingerprint authentication)
- Public certificates and mOTP (mobile OTP) are supported to use electronic financial services.
- Supports electronic financial fraud prevention services.
(Terminal designation service or additional authentication service)
[Guide to using app permissions]
- (Required) Storage space: Used to access secure media such as public certificates
- (Required) Telephone: Used for consultation connection, identity authentication, and device authentication
- (Optional) Camera: Photo ID card
- (Optional) Notification: Used for PUSH transmission of financial information, events, etc.
- (Optional) Microphone: Used for video calls
- (Optional) FACE ID: Simple authentication processing
※ To ensure smooth use of the app, we request the minimum access rights.
※ You can use the service even if you do not agree to the optional access rights, but there may be restrictions on the use of some functions.
※ For inquiries about IBK Savings Bank i-Bank, please call the customer center (1522-7900). (Consultation hours: Weekdays 9:00 - 18:00)

IBK Savings Bank Compliance Officer Deliberation No. 2024-96 (2024.04.17.~2025.04.16.)
Reviewed by the Korea Federation of Savings Banks No. 2023-00384 (2023.04.04.~2024.04.03.)

[Customer data (sensitive information) collection]
- Items for investigation of credit disorderly conduct (prevention of voice phishing damage for customers using the IBK Savings Bank App through detection of malicious apps): Malicious App detection information, diagnostic information on detected malicious Apps.
- Check permission to access usage information for the purpose of preventing financial fraud through remote control apps.