If you make a salary passbook, preferential interest rate ‘Gathering the dust’ with automatic transfer savings [마이머니]

Jeon, 27, living in Gwanak-gu, Seoul, succeeded in getting a job at the end of last year and is about to go to work for the first time. Jeon is excited about the fact that he is paid monthly. His interest these days is financial technology. Mr. Jeon said, “I have been told to uncover the hans I haven’t been able to use for a year after getting employed, but I plan to collect my first salary step by step. He said, “I will also take savings and invest in stocks, which are hot nowadays, even for a small amount.”

Experts advise that consumption habits that occurred in the first years of society can influence a lifetime, as the proverb says,’they go to age three and eighty. The banking sector is also offering a variety of products, from small installment savings products that provide preferential interest rates to exotic savings products, because it is highly likely to lead to lifelong customers if it attracts’financial newbies’.

◆In the era of ultra-low interest rates, don’t miss out on preferential interest rates

Recently, Woori Bank launched the’First Salary Woori Package’, a product specialized for new-year customers. First salary Woori package consists of’first salary our bankbook’,’first salary our savings’, and’our first salary credit loan’, and all preferential benefits are possible with a single salary transfer.

First salary Woori Bankbook provides unlimited exemption from electronic financial fees incurred when transacting with Woori Bank, as well as automated device withdrawal and automatic transfer fees incurred when using other banks when the conditions for payroll transfer are satisfied. In addition, as an additional service, it provides a Jeju travel package and a preferential coupon of 0.3% points per year on credit loans. The first salary Woori Savings Deposit is freely accumulated for less than KRW 1 million per month, and provides a maximum annual interest rate of 2.2% (basic interest rate 1.1%, preferential interest rate 1.1% points) provided that the preferential conditions for transfer are met. Our first-payment credit loan can be loaned to any customer who is currently in the workplace for more than one month, and if the conditions for transfer of salaries are met, preferential interest rates can be obtained.

Hana Bank recommended the’Double Up Installment Savings’ product, which is available only to new subscribers of housing subscription savings. This product can receive double the interest rate by providing an additional preferential interest rate equal to the basic rate if only Hana Bank’s housing subscription savings are held under the name of the installment savings at the maturity of the installment savings without complicated preferential conditions. In other words, if you hold the Hana Bank housing subscription savings in your name at the maturity of the installment savings at 1.1% of the basic interest rate, the preferential interest rate equal to the basic rate of 1.1% is added, providing a final annual interest rate of 2.2%. The subscription period can be selected from one or two years, and a fixed amount is accumulated every month by setting an amount of 50,000 won to 200,000 won.

KB Kookmin Bank recommended KB My Fit bankbook, which is optimized for’split bankbook’. The core of KB My Fit Bankbook is’money splitting’, which can separate and manage one bankbook into basic expenses, living expenses, and emergency funds according to the management purpose. You can easily use or disable the living expenses and emergency money functions in KB Star Banking or Live, an app dedicated to KB Kookmin Bank, with the On/Off button as needed. The cost of living is a function that sets the amount of money to be spent per month and uses it as a KB check card, and it helps you to spend more timely by using the KB check card. In particular, the amount divided into emergency funds provides an annual interest rate of 1.5% when the performance conditions are met, and can be retrieved from time to time while receiving interest, so it is good to use it for storing funds that you do not know when to spend, or for storing remaining money after spending living expenses. .

For NH Nonghyup Bank, the preferential benefit is the’NH employee monthly welfare installment savings’. Anyone over the age of 18 can sign up and can earn more than 10,000 won and less than 3 million won per quarter. The basic interest rate varies depending on the subscription period, with 1.20% for 1~2 years, 1.24% for 2~3 years, and 1.28% for 3 years. In addition, 0.80% points of preferential interest rate are provided if the preferential conditions such as salary transfer, housing subscription savings, and NH fill credit/debit card are met.

At SC First Bank, the’SC First Mobile Preferential Savings’, a non-face-to-face installment savings that can only be subscribed to through the mobile banking app, is good. The subscription period is one or two years. In addition to the basic interest rate of 1.1% per year, if the transaction conditions are met, preferential interest rates of up to 1.4% for the one-year system and 1.5% for the two-year system are additionally applied to receive a maximum interest rate of 2.6%.

◆An eye-catching red gold is also aimed at young people

Banks are also offering a variety of products using characters or concepts that can inspire the interest of young people.

Woori Bank is cooperating with the popular webtoon’Yumi’s Cells’, which is being serialized on Naver, to introduce’Our 200 Days Savings’, which introduced a new webtoon-style interface in Woori WON Banking. You can deposit money in various ways by choosing a plan that suits you for an amount of less than 30,000 won per day. The savings interest rate is up to 2.3%, applying a basic interest rate of 1.0% and preferential interest rate 1.3% points.

Shinhan Bank launched a savings product that deviated from the general savings form. ‘Easy Jaksim 3 Days’ installment savings is a product designed by day-of-week, small amount automatic transfer, and six-month maturity, so that many customers can receive installments without burden. It is a product exclusively for Shinhan Bank’s mobile banking’SOL’. The basic interest rate is 1.9% per year, the highest interest rate is 2.2% per year, and the monthly saving limit is up to 500,000 won. Although it is a freely accrued installment savings, the customer can specify up to three days of the week for automatic debit, and preferential interest rates are added by 0.1% depending on the number of days registered for automatic debit.

Hana Bank’s’Challenge 365 Savings’ is a unique savings based on the amount of activity of customers. If the number of steps measured with a smartphone app for 11 months after signing up exceeds 3.5 million steps, the maximum annual preferential interest rate of 1.70% is applied.

Reporter Nam Jung-hoon [email protected]

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