Reasons why parking bank account is mandatory
1. Recommended parking bank accounts in the financial sector
Recommended parking bank account at Savings Bank
checkpoint
The era has come when the benchmark interest rate, which seemed unlikely to come, exceeds 3%.As interest rates have risen a lot, it has become difficult to take out loans, but on the contrary, regular deposits and installment savings products can leave interest rates more stably than stock returns.In the case of deposits, it is a product for rolling large sums of money and making a large sum of money, but you can’t do it with fixed expenses and living expenses left after saving money.
That’s why I wanted to introduce you to my parking account.There are already so many sites that have already been compared so well that you can always check and sign up, but it is difficult to find a deposit product because there is no place that is designed to compare and use at a glance.
From now on, I will briefly tell you about the various parking accounts released by the primary financial sector (market banks) and savings banks.However, please check the interest rate and conditions one more time on the financial company’s website, instead of signing up immediately because the conditions are okay because it has not been updated in real time.
Reasons why parking bank account is mandatory
A parking account is a bank account that allows you to deposit and withdraw money freely whenever you want to park.If you just explain it like this, of course you will say that you are free to deposit and withdraw money.However, there is one device here, so even if you put money in one day, interest is applied and interest is generated.
It is a financial product with occasional deposits and withdrawals, and there is no cancellation fee, so you can use it without having to pay deposits or installment savings.That’s why I think it’s essential that you can make a profit with even a little bit of money by distributing it to deposits, fixed expenditures, living expenses, and investments (seed money) after receiving your salary first.
1. Recommended parking bank accounts in the financial sector
3.0% per annum for SC No. 1 “Daily Welfare Savings Deposit”
K-BANK “Plus Box” 2.7% per year
KAKAOBANK Safe Box 2.6% per year
Korea Development Bank’s KBD Hi Deposit and withdrawal 2.5% per annum
TOSS BANK “Toss Bank Account” 2.3% per year
The three non-face-to-face online banking companies that are not new to us are the first financial sector.K-Bank, Kakao Bank, and Toss Bank are all commercial banks belonging to the Korea Federation of Banks, so you can use them freely.Under the Depositor Protection Act, you can receive asset protection up to 50 million won, so it would be helpful to consider this.
Of course, the maximum deposit limit is 300 million won for K-Bank, 100 million won for Kakao Bank, and no Toss Bank, but it is recommended to use it to the extent that the Depositor Protection Act is recognized because interest rates are rising so much.
In addition, SC Japan and the Korea Development Bank have released products that can be used under similar conditions.The product released by SC No. 1 is a deposit product, but I put it in because the color is similar to the parking of the product conditions.However, it is regrettable that the subscription period (from November 1st to November 30th, 22nd) is limited due to conditions.
Recommended parking bank account at Savings Bank
bank name product name maximum interest rate application limit
Accuon Savings money splitting machine 4.0% 20 million won.
welcome savings Welcome Office Worker Love Ordinary Deposit 3.8% 50 million won.
OK Savings OK, second. 3.5% 10 million won.
SBI Savings deposit and withdrawal from Cider Bank 3.2% 100 million won.
Pepper Savings peppers parking account 3.2% 50 million won.
This is a chart summarizing the highest interest rate of savings banks from the top.The Depositor Protection Act applies to all, but the limit other than the SBI Cider Bank deposit and withdrawal account is set within 50 million won.Acuon’s money splitting account, which can make the largest profit of 4.0%, may be a very good condition in terms of interest profits alone, but it is regrettable that the limit is low.
If you are a salary man like us, it would be very useful to leave your salary for a while before you run out of money and then take it out and use it again.
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Point 1. When it is difficult to roll a large sum of money (deposit) or make a large sum of money (installment savings), I think it is good to put it in a small amount and use it in a way that leaves interest.In particular, when income is generated, you have to leave it for a while before evaporating to fixed and variable costs (living expenses) and make a profit.
Point 2. Take a large sum of money (seed money) and consider investing in stocks or auctioning real estate, so I recommend you leave it for a while.Of course, I would like to recommend it even when the market economy is in a recession like now and you are thinking about where to invest.
If you don’t like it after checking the above, I think it’s not bad to compare the interest rate of the time deposit and deposit the deposit.When investing in stocks, it is said that a small number of people make a 10% return per year.If it is possible for you to make more than a 10% return, you can choose to invest.
However, since we have met a good era to save money stably and leave interest rates, I think it would be good to have a comfortable wait without overdoing it.
