사이다뱅크(SBI저축은행)

SBI저축은행

About this app

SBI Savings Bank’s mobile banking APP Cider Bank!
Experience the exciting new taste of finance in cider!

● Cool benefits, deposit products

◾ Perfect for a parking account! Cider deposit/withdrawal account
- Product name: Cider deposit/withdrawal account
- Eligibility for membership: Koreans aged 17 or older with a resident registration card or driver’s license
- Subscription Channel: Cider Bank APP
- Interest rate: ① 100 million won or less: 3.0% per year, ② More than 100 million won: 0.2% per year
- Interest rate standard: As of October 16, 2024, pre-tax, variable interest rate
- Interest payment: monthly settlement payment

◾ Simple interest/compound interest selectable, term deposit
- Product name: Term deposit
- Subscription target: individuals, corporations
- Subscription channel: branch, non-face-to-face channel
- Interest rate: 3.55% per year (12 months, pre-tax, including preferential interest rate, as of October 25, 2024)
① Base interest rate: 3.45%
② Maturity preferential interest rate: 0.0%
③ Non-face-to-face preferential interest rate: 0.1% (applied when signing up for a non-face-to-face channel)
* Interest rates are subject to change, so please check the website for detailed information.
- Information on estimated amount (if preferential interest rate is included)
① Compound interest: If 10 million won is deposited over a 12-month period, it is 360,833 won before tax.
② Simple interest: KRW 355,000 before tax when depositing KRW 10 million for 12 months
* Details subject to change
- Subscription period: 1 month ~ 36 months
- Subscription amount: minimum 100,000 won ~ no limit
- Interest payment: lump sum payment at maturity (compound interest), monthly payment (simple interest)
- Early termination interest rate
① Less than 1 month: Basic deposit interest rate at the date of subscription
② More than 1 month ~ less than 36 months: Contracted interest rate
- Post-maturity interest rate
① Within 1 month from the maturity date: Agreement interest rate
② Exceeding 1 month from maturity date: 0.2% per year

● Financial transaction precautions that require thorough confirmation
  - If a legal payment restriction, seizure, provisional seizure, pledge, etc. is registered on the account, or an accident report such as deposit/withdrawal suspension or payment suspension is registered, withdrawal, deposit and cancellation of the balance, and interest payment are restricted according to the relevant standards.
- We recommend that you read the product description and terms and conditions before concluding a contract. You have the right to receive sufficient prior explanation, and we recommend that you make a transaction after fully hearing and understanding the main contents of the product, transaction conditions, and precautions.
- In accordance with the Depositor Protection Act, 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.

● Cool solution, customer center guidance
- Deposit/savings, loan, card inquiries: 1566-2210
- Consultation hours: Weekdays 09:00 ~ 18:00

● Information on matters, permissions and purpose for using the app
- Telephone (required): Consultation connection and device authentication
- SMS (optional): Share identity verification and transfer results
- Camera (optional): Take an ID card and submit documents, register a profile photo
- Address book (optional): Enter simple information when making a transfer, sign up for a couple bank account, participate in network bank account events
- Location (optional): Find a branch
- Save (optional): Save coupon, transfer confirmation, card sales slip
- App activity: Collecting threat information installed on devices to prevent electronic financial transaction accidents (malicious apps, etc.)
- Device/other identifier: Collection of identifiers for checking designated terminals to prevent electronic financial transaction accidents

*There will be no problem using the service regardless of whether optional access rights are granted, but there may be restrictions in some services.

● Minimum supported mobile phone OS version for safe app use
- Cider Bank APP available on Android 6.0 or higher

● Deliberation number
- Korea Federation of Savings Banks reviewed 2024-01093 (2024.08.27~2025.08.26)

What's new

- 앱 안전성 개선