I had previously applied for Toss Bank.
I was waiting for this to be pushed separately or given a text message, but there was no such thing.
Then, there was information about the opening of the blog of the neighbors.
uh? i need to do this too
After thinking about it, I decided to open an account.
Now, let’s briefly summarize the Toss Bank account opening review and information on the passbook. 토스뱅크 계좌개설
What is Toss Bank?
It is an internet bank created by Toss, a comprehensive fintech platform. 이베이스매뉴얼
In the past, Toss mainly used remittance, and there was a time when I used a Toss card by charging Toss money.
Now, if you open an account through a bank like today, you can use a debit card linked to it.
What are the conditions for a Toss Bank account?
Now, below is the promotional text that appears when you open a Toss Bank account.
No matter how much you put in, the phrase “even if you don’t have direct debit or payroll account” is very attractive to 2%.
In the case of existing banks, even if it is over 1.5%, unless you open a salary passbook, even this is an interest rate for savings accounts, and general deposit and withdrawal accounts do not exceed 1% at all, so it is quite a shocking condition.
Also, it is interesting to say that there is no need to make a separate deposit with one passbook.
I think it is similar to the Kookmin Bank My Fit Passbook, which I introduced once before.
However, the My Fit passbook is a parking passbook, and if it exceeds the limit of 2 to 3 million won, you will receive the interest rate from a general deposit and withdrawal passbook, but this seems to be 2%.
Let’s open
What an advertisement, who can’t do that?
Once you open it, you have to write a review.
1. Find Toss Bank in the Toss App
First, run the Toss app.
Then you can see a screen like the one below
you see it at the top
It’s the Toss Bank account creation menu.
2. Start account opening
If you click on the location shown above, you will see a screen like the one below.
This is a kind of promotion I introduced earlier.
Take a look and click the Start Toss Bank button.
Now, we arrive at the place where there is a menu to create a Toss Bank passbook.
Click on Create Account again.
Then you can see the agreement agreement screen, which is the screen you see often.
Please read it carefully and click OK after agreeing to it.
Now, the identity verification information appears.
It confirms well.
Please select a job
I plan to use my Toss Bank account for pocket money and living expenses, so I chose the purpose of the transaction and the source of the funds to suit me.
If you enter your password
ID is requested.
Then, I automatically send 1 won to my bank account and authenticate.
In my case haha
It says that Shinhan Financial Investment can’t make it yet because of the account created for this public offering…
3. You want me to make a card too?
So, I made it in my mother’s name in a hurry.
After authentication, you will be asked to select a card immediately.
It is said that you choose the color first rather than the condition.
My mother took it out because she didn’t have to have a transportation card.
I also have a credit card, and the discount function is linked to other bank debit cards.
You must agree to the terms and conditions
After entering the password
Just enter your shipping address.
Then, after completion, the Toss Bank account will appear.
I will look into the details of the rest of the products once my account is opened.
Account opening review?
First of all, there was no difficulty in creating a bankbook.
But my mother was with me, and she said it was a little difficult.
In particular, taking an ID photo and sending 1 won to your account to verify this part is really fast enough if you have a parent or an elderly person next to you.
I went in and checked how much money I was saving or how much change I was collecting.
Collecting change is just like saving money in Kakao Bank’s piggy bank.
Requirement Next week, when I finish opening a Toss Bank account, I will check it again.
organize
So today, I took a closer look at the Toss Bank account opening method, which was a bit chilly now, but was a big hit for a while.
Around the end of December last year, I came across several news about the 『Parking Passbook』 while organizing the savings accounts that expire in January of the following year and looking for other savings accounts to rejoin.
Before that, when I heard the issues of ‘Kakao Bank’ or ‘K-Bank’, it didn’t really touch me, but the 2% annual interest rate of ‘Toss Bank’ was quite appetizing news. I really liked the fact that I was able to sign up easily without face-to-face without having to bother with the process of opening a bank account on foot.
As I looked at the Toss Bank account opening, I saw that each savings bank was also opening a parking account. In particular, the savings bank had preferential interest rates. Anyway, I like ‘Toss Bank’, so I decided to try ‘Toss Bank’ until interest rate adjustments are made in the future.
The parking passbook of ‘Toss Bank’ has the advantage of being able to receive a single interest rate even if it is left in the frequent deposit and withdrawal account for just one day.
What is a 『parking passbook』, is it attracting a lot of attention from people who want to do some financial tech?
So, I looked up the meaning of the parking passbook in the current affairs dictionary.
parking bankbook
It refers to a bankbook that is used to temporarily store large sums of money in a bank, just like parking the car, like ‘parking’, where the car is stopped for a while.
In general, bank accounts pay an interest of 0.1 to 0.2% per annum (before tax), but parking passbooks pay an interest rate of over 1% per annum if more than a certain amount is deposited in the passbook.
In addition, unlike time deposits and savings accounts, money can be put in and withdrawn at any time, and the principal is guaranteed up to 50 million won according to the Depositor Protection Act.
When I tried to open a ‘Toss Bank’ account, I was tied to the account opening restrictions because I had recently opened an account with Kiwoom Securities.
These days, some places have restrictions on the opening of securities or bank accounts, so if you want to open multiple securities accounts, be sure to check the accounts in places that do not have restrictions on opening an account and refer to them when opening. I had no choice but to open an account limit, but it is better to open an account in a place where there is a limit on opening first, so please check it carefully before proceeding..
Fortunately, most of the emergency funds at the time were tied to savings accounts, and there are many reasons that come back due to maturity after January. . I was trying to open a brokerage account again because of LG Ensol in the middle …hehe
I thought that the ‘Toss Bank’ passbook was simply a deposit and withdrawal passbook that provided an annual interest rate of 2%, but there are many other functions.
Let’s make a Toss Bank parking passbook!
Install the Toss app and sign up for membership
There are also <Welcome Gifts> to attract subscribers. You only need to apply for what you want to receive.
They said they would give me 500 won when I checked the ‘account balance’, so I first applied to check the balance of the Nonghyup Bank account, but I kept getting a message saying that the account couldn’t be verified. I got a toss money of 1,000 won for 500 won each.
To create a Toss Bank passbook, select [Start Toss Bank] and click [Create Passbook]
All you have to do is agree to the terms and conditions and proceed.
After taking an ID photo and verifying your identity, I feel like I’m on my way to the end.
‘Can’t open an account right now’
20 days of account opening restrictions
I didn’t know it was the 20th, excluding weekends, but it’s actually about a month’s limit (I learned a new fact)
When the account opening restriction period is over, you can go to the ‘Toss Bank’ app and proceed with ‘Continue application’.
After entering the previously created password and ‘taking an ID card’ for identification, select another bank account under your name to confirm the deposit.
After completing the account opening, the application proceeds to the ‘Toss Bank Card’ application.
I like the purple card, so it’s not necessary, but I applied for it to be used as a transportation card.
Since the Toss Bank passbook is opened as a financial transaction limit account, it is necessary to raise the transaction limit after opening.
For new accounts, the daily withdrawal/remittance limit is limited to 2 million won, but documents must be submitted to lift the limit.
* Earned income earners – Employment certificate, health insurance qualification certificate, employment contract and business registration certificate
Sole proprietors or housewives – Administrative bills, utility bills (electricity, water, sewerage, gas, etc.), tax bills (resident’s tax, property tax, automobile tax, etc.)
Since all tax bills come out in my name, I applied for lifting the limit limit with the automobile tax bill.
Financial Transaction Limit Account
It was introduced to prevent damage to cannon bankbooks and voice phishing.
The ‘financial transaction limit account’ is a system that limits the transfer amount of customers who open a new bank account and removes the limit limit by submitting various supporting documents.
In order to lift the limit, you must present evidence to the bank that the newly opened account is used for receiving annuity, automatic debit of utility bills, meeting accounts, or credit card payments.