사이다뱅크(SBI저축은행)

SBI저축은행

About this app

SBI Savings Bank's mobile banking app, Cider Bank!
Experience the exciting new flavors of finance with Cider!

◾ Perfect for a parking account! Cider Deposit/Withdrawal Account
- Product Name: Cider Deposit/Withdrawal Account
- Eligibility: Korean nationals aged 17 or older with a resident registration card or driver's license
- Channel: Cider Bank APP
- Interest Rate: ① KRW 100 million or less: 2.0% per annum, ② KRW 100 million or more: 0.2% per annum
- Interest Rate Standard: As of July 1, 2025, before tax, variable rate
- Interest Payment: Monthly settlement payment

◾ A surprising month after reading the book and seeing the interest rate
- Product Name: One-Month Savings Account with Kyobo
- Eligibility: Individuals aged 19 or older with a resident registration card or driver's license (one account per person)
- Channel: Cider Bank APP
- Interest Rate (Before Tax): 30% per annum (Base Rate: 5% per annum + Preferential Rate: 25% per annum)
- Preferential Rate Conditions: Kyobo Life APP registration and consent to Kyobo Life marketing (both conditions must be met)
- Subscription Period: 31 days
- Subscription Limit: Monthly Choose between 5,000 won or 10,000 won
- Number of accounts: 30,000 accounts (available until December 31, 2025)
- Expected interest at maturity (if preferential interest rate conditions are met)

*Assuming a deposit of 10,000 won: 4,076 won (before tax)
*Assuming a deposit of 5,000 won: 2,038 won (before tax)
- Early termination interest rate: Base rate at the date of subscription
- Interest payment: Lump sum payment at maturity (simple interest)
- Post-maturity interest rate
* Within 1 month: The lower of the base rate at the time of subscription and the base rate for the same product and contract period at maturity
*More than 1 month: The interest rate for regular deposits (0.2% p.a.) at maturity
- Partial termination: Not permitted
- Termination method: Automatic termination, direct termination
- Tax benefits: Not permitted for tax-exempt comprehensive savings accounts
- Lien creation: Not permitted
- Name change: Name change by transfer Not available (however, name change due to inheritance is possible)
- Other Information
· This product is only sold by SBI Savings Bank, and Kyobo Life Insurance only offers preferential interest rates.
· This product cannot be re-enrolled after early termination.
- Note: Even if the preferential interest rate criteria are met, the early termination interest rate will be applied if all deposit installments are not paid.

● Financial Transaction Precautions Require Thorough Review

- If your account is subject to legal payment restrictions, seizure, provisional attachment, or lien, or if an incident report (such as a suspension of deposits/withdrawals or payment suspension) is registered, withdrawals, deposits, terminations, and interest payments may be restricted according to relevant regulations.
- We recommend that you read the product description and terms and conditions before entering into a contract. You have the right to receive a thorough explanation. We recommend that you fully understand the product's key features, transaction conditions, and cautions before transacting. - This deposit is protected by the Depositor Protection Act, including the principal and interest, up to KRW 100 million per person (combined with other savings bank protection products). ● Quick Solutions, Customer Service Center Guide
- Savings/Time Deposits, Loans, and Card Inquiries: 1566-2210
- Consultation Hours: Weekdays 9:00 AM - 6:00 PM

● Information on App Usage, Permissions, and Purpose
- Phone (Required): Connect to consultation and device authentication
- SMS (Optional): Identity verification and transfer results sharing
- Camera (Optional): Take a photo of your ID, submit documents, and upload a profile photo
- Address Book (Optional): Enter simple information for transfers, sign up for a couple's account, and participate in network account events
- Location (Optional): Find a branch
- Storage (Optional): Save coupons, transfer confirmations, and card sales slips
- App Activity: Collects threat information installed on the device (e.g., malicious apps) to prevent electronic financial transaction incidents
- Device/Other Identifiers: Collects identifiers for identifying designated devices to prevent electronic financial transaction incidents

*While service use is possible regardless of whether optional access permissions are granted, some services may be restricted.

● For safe app use, mobile phone OS Minimum Supported Versions
- The Cider Bank app is available on Android 6.0 or higher.

● Approval Number
- Savings Bank Central Association Approval No. 2025-01324 (November 14, 2025 - November 13, 2026)
- SBI Savings Bank Compliance Officer Approval No. 2025-1132 (November 10, 2025 - November 9, 2026)

What’s new

3.3.3
- 앱 안전성 개선