KKP MOBILE: เงินฝาก ลงทุน EDGE

Kiatnakin Phatra Bank Public Company Limited.

About this app

KKP MOBILE, an application from Kiatnakin Phatra Financial Group, makes managing your finances easier and more convenient. It offers a full range of services, including deposit accounts, investments, loans, debit cards, and insurance, all in one place. The app is user-friendly, allowing you to open an account by yourself anytime, anywhere, with advanced security features that ensure safe and secure transactions.

Deposit Products:
- Open savings accounts and fixed deposit accounts online with high interest rates
- Money transfer via mobile phone number/ make bill payments with ease/ Cashless withdrawal / QR scan payment
- Top up Easy Pass, free of charge
- PromptPay service
- Never miss a payment with payment reminder feature

Invest with EDGE: Elevate your investment experience with access to Thai stocks, foreign stocks, bonds, mutual funds, and ETFs from over 50 leading global asset management firms. Receive timely investment advice for every situation.
- Open an online investment account with EDGE and monitor your transactions in real-time.
- Easily buy, sell, or switch funds with convenience.
- Enjoy E-Class funds with zero fees from KKPAM, backed by the expertise of Kiatnakin Phatra Financial Group’s fund managers with over 50 years of service.
- Comprehensive financial planning services, including retirement planning, children’s education, tax strategies, and holistic investment solutions.

Loan Products*:
- Easily apply for a personal loan by yourself
- Check your credit with a simple dashboard
- Adjust installment amount to suit your needs.
- Debt restructuring service

NDID Service:
- Digital identity verification service
- The dStatement service lets you requests and sends out interbank account statements
- Credit score information service (NCB)

Insurance Products:
- Buy insurance online, all in one place.
- Pay your annual insurance premium with ease.

*Remarks
- Personal Loan up to 2,000,000 THB
- Annual Interest rate 9.99% - 25%, for value customer who always pay on due (No additional fee to be changed)
- There is a stamp duty 0.05% of approved credit limit for onetime payment
- Installment plan from 12 - 72 months

Example of installment payment
When the customer has been approved for a personal loan of 100,000 THB with a 12-month installment plan at an interest rate of 10%, the customer will need to pay 9,216.67 THB in the first month (plus an additional 50 THB for stamp duty) and 9,166.67 THB per month thereafter (including both principal and monthly interests). In total, the customer will need to pay 110,050 THB (100,000 THB for the principal, 10,000 THB for interest, and 50 THB for stamp duty).

Ratings and reviews

The last update which says "App Performance Improvement" adds VPN detection. I'm using DuckDuckGo App Tracking Protection, which shows that this app has Google tracking in it and blocks the tracking. But with the VPN detection, the app refuses to start, which means the tracking cannot be blocked, and I'm refusing to allow the app without the tracking protection. Kiatnakin also closed their internet banking website, so the only way to use their service is with the app, so it's useless.

I really hate this app. After 4 years, KKP still has not fixed many flaws that make this app UNUSABLE for electronic payments! When there is a new version, it forces you to update IMMEDIATELY before you can use it! If you in the midst of a transaction and trying to pay, you must wait 5 minutes for update. Everyone in line must wait o your online purchase may time-out. KKP does this at least once a month. Use SCB instead, their app let's you continue using the old version, & is better.

Birth date is needed for subscription. Doing that I have to swipe (and only) from existing month of 2022, do it month by month (and only), until the year of birth. Those people who were born in August 1982, for example, will have to swipe 480 times. Painful and waste of time.

What’s new

KKP Mobile has enhanced our app to provide you with a better experience:
• Minimum OS - the App requires Android version 9 or higher. Devices running older versions will no longer be able to use the app.
• Warning on Transfers to Mule Accounts - notify users when a transaction is attempted to a mule account, enhancing the security of your transactions.
• Bug Fixes & Performance Enhancements - Various optimizations have been made to enhance stability and performance.