사이다뱅크(SBI저축은행)

SBI저축은행

About this app

SBI Savings Bank's mobile banking app, Cider Bank!

Experience the popping new flavor of finance at Cider!

● Cool Benefits, Parking Account

- Product Name: Cider Deposit & Withdrawal Account

- Eligibility: Korean nationals aged 17 or older holding a Resident Registration Card or Driver's License

- Subscription Channel: Cider Bank APP

- Interest Rate: ① 100 million KRW or less: 2.0% per annum

② Over 100 million KRW: 0.2% per annum

- Interest Rate Basis: As of March 25, 2026, pre-tax, variable rate

- Interest Payment: Paid monthly based on settlement

● Our Child's Savings Habits, Child Installment Savings

- Product Name: Child Installment Savings

- Eligibility: Real-name individuals under 19 years of age

- Subscription Channel: Cider Bank APP

- How to Subscribe

• Minors aged 14 or older holding a regular savings account at Cider Bank can subscribe via the Cider Bank APP on their own mobile phone.

• If the legal representative holds parental rights, the parent can subscribe on behalf of the minor child through the ‘Child Account Management Service’ within the Cider Bank APP.

- Interest Rate (Pre-tax / As of April 18, 2026): Annual 7.1%–3.9% (12 months)

* Base interest rate 3.9% per annum + Preferential interest rate 3.2% per annum

- Conditions for Preferential Interest Rate

① Preferential interest rate for subscribing to Child Account Management Service: 0.2% per annum

② Sibling Preferential Interest Rate: Up to 2.5% (0.5% per annum per person) – Applicable upon verification of siblings excluding the account holder (Max. 5 people)

③ Maturity Preferential Interest Rate: 0.5% per annum

- Subscription Period: 6 months–12 months

- Subscription Limit: 100,000 KRW–500,000 KRW (Selectable in increments of 100,000 KRW)

- Interest Payment: Lump sum payment at maturity (Simple interest)

- Estimated Interest upon Maturity: 149,500 KRW (Pre-tax) assuming monthly payments of 500,000 KRW for 12 months

* 4.6% per annum when Child Account Management Service is subscribed and the Maturity Preferential Interest Rate is applied

- Early Withdrawal Interest Rate

① Less than 1 month: Ordinary Deposit base interest rate at the time of subscription (annual 0.2%)

② 1 month or more ~ ​​12 months or less:

The higher of the following two rates will be applied:

Contractual Interest Rate × 100% × (Elapsed Days / Contractual Days)

and the Ordinary Deposit Basic Interest Rate (0.2% per annum) at the time of subscription.

* Contractual Interest Rate: Includes preferential interest rates determined at the time of subscription (excluding maturity preferential interest rates).

* If all deposit installments are not paid, the early withdrawal interest rate will apply.

- Post-Maturity Interest Rate

① Within 1 month from the maturity date: Contractual Interest Rate

② More than 1 month from the maturity date: Ordinary Deposit Basic Interest Rate (0.2% per annum)

- Termination Method: Direct Termination

- Restrictions: 1 account per person (However, re-subscription is possible after termination)

● Important Notes on Financial Transactions

- If a report of an incident is registered regarding the account, such as legal payment restrictions, seizure, provisional seizure, establishment of a pledge, or suspension of deposits/withdrawals/payments,

withdrawal, deposit, termination, or interest payment of the balance may be restricted in accordance with relevant standards.

- We recommend that you read the product description and terms and conditions thoroughly before signing the contract.

- Under the Depositor Protection Act, this deposit is protected up to 100 million KRW per person, including principal and accrued interest (combined with other protected products at the same savings bank).

- ● Customer Experience Center Information

- Inquiries regarding deposits, savings, loans, and cards: 1566-2210

- Consultation Hours: Weekdays 09:00–18:00

● App Usage Permissions and Purposes

- Phone (Required): Connecting to consultations and device authentication

- SMS (Optional): Identity verification and sharing transfer results

- Camera (Optional): Taking photos of ID cards, submitting documents, and registering profile photos

- Address Book (Optional): Entering simple information for transfers, participating in Couple Account and Network Account events

- Location (Optional): Finding branches

- Storage (Optional): Saving coupons, transfer confirmations, and card sales slips

- App Activity: Collecting threat information (malicious apps, etc.) to prevent electronic financial transaction fraud

- Device/Other Identifiers: Collecting identifiers for verifying designated terminals to prevent electronic financial transaction fraud

* You can still use the service even if you do not allow optional permissions, but there may be restrictions on some services.

● Minimum Supported OS

- Cider Bank APP available on Android 8.0 or higher

● Review Number

- Approved by the Korea Federation of Savings Banks 2026-00330 (2026.04.01–2027.03.31)

- Approved by the Compliance Officer of SBI Savings Bank 2026-285 (2026.03.31–2027.03.30)

What’s new

○ 홈 화면이 새로워졌어요.
계좌뿐만 아니라, 내가 이용 중인 서비스를 한눈에
보고 쉽게 접근해 보세요.

○ 이체가 더 편리해졌어요.
어디로, 얼마를, 누구에게 보내는지 자연스러운 흐름으로
화면이 개선됐어요.

○ 신용대출, 여러 채널에서 만나요.
앱뿐만 아니라 모바일웹과 PC 웹에서도 모든 신용대출 상품을
만나보실 수 있고, 웹에서 진행하던 대출은 앱에서 이어할 수도 있어요.

○ 타 금융사에 대출이 있다면, SBI로 갈아타세요.
여러 건의 대출들을 하나의 대출로 갈아탈 수 있어요.

○ 간편 인증 도입으로 서류 제출이 쉬워졌어요.