국민은행 한도제한계좌 해제Recently, when I tried to transfer money from the KB Kookmin Bank deposit/withdrawal account I opened non-face-to-face to another bank account, I received a message saying that withdrawals were restricted to ‘financial transaction limit accounts’ and I thought something big had happened. I contacted the bank and found out that measures have been strengthened a few years ago to prevent financial fraud such as cannon accounts. In this post, we will learn about accounts with financial transaction limits and how to lift the limits.
In 2014, the Financial Supervisory Service said that the purpose of opening a new deposit/withdrawal account must be confirmed in order to prevent the indiscriminate opening of bank accounts used for financial fraud such as cannon accounts. When opening a bank account, you must submit supporting documents. However, if it is a non-face-to-face opening or it is difficult to submit supporting documents right away, you can open an account by setting it as a limit account that only allows small transactions.
※ Only one account can be opened per person for the financial transaction limit account, and the restrictions below apply until supporting documents for the purpose of the financial transaction are submitted.
To lift the limit, you can visit a branch or apply through KB Star Banking or Internet Banking. Until now, you had to visit a branch to cancel, but now you can apply for cancellation online. However, only customers who meet the cancellation criteria can apply online non-face-to-face.
○ When using the KB Star Banking mobile app
View all accounts > Menu button on the right (3 dots) of your [Limit Restricted Account] > Apply for limit restriction removal
○ Internet banking
Account inquiry > Account management of your [Limit Restricted Account] > Application for limit restriction removal
※ Notice ※
You must bring proof of the purpose of financial transaction along with your ID card. The types of supporting documents are as follows.
※ Example of supporting documents to confirm the purpose of financial transaction
As you can see from the example, you must bring documents proving the purpose of the account.
There may be cases where you do not need to submit supporting documents when visiting a branch. All you have to do is have the transaction details of your current limit account recognized. The recognition criteria are as follows.
For accounts that have met the recognition criteria for the same items for the past three consecutive months, the financial transaction limit account can be released based on transaction history without supporting documents. (Even if you do not need supporting documents, you must visit the branch)
※ Detailed standards for each transaction history recognition item
If your financial transaction limit account has transaction details such as deposits or automatic transfers using the above items, you can lift the limit by simply bringing your ID to the branch without supporting documents.
Financial transaction limits are a system created to prevent financial fraud. Previously, you had to visit a branch to apply for cancellation, but now you can apply for cancellation through mobile apps and internet banking as long as you meet the application conditions. Nevertheless, although it may be annoying, if our efforts can help eradicate financial fraud, we should follow it with a good heart.
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