App information
Korea Savings Bank GO BANK (Go Bank) is a new deposit/loan integrated app service introduced by Korea Savings Bank.
This is an app service that allows customers to sign up for various financial products (deposits/loans) conveniently and safely.
You can conveniently sign up for a deposit/savings account without visiting the bank, and use it conveniently from loan applications to money transfers.
[Koryo Savings Bank ใGO BANKใ Main Services]
1. Banking service
โ Inquiry (All account inquiry / Transaction history inquiry / Savings payment date change / Maturity automatic re-deposit / Deposit deposit)
โกTransfer (immediate transfer / automatic transfer (other bank/local bank/CMS) / scheduled transfer / delayed transfer)
โขBanking management (transfer limit inquiry/reduction/transfer limit increase/delayed transfer service registration/termination/account password change and error resolution, etc.)
โฃAccident report (bankbook, seal, security card, OTP, cash card accident report and OTP accident recovery)
โค Non-face-to-face savings account opening (application / account opening application details inquiry/cancellation)
2. Loan service
โ Loan application (automatic loan application / general loan application / collateral loan application)
โกLoan limit inquiry
โขCheck loan progress status
โฃ Check deposit collateral loan results
โค Loan account inquiry (all account inquiry / transaction history inquiry / loan cancellation account inquiry)
โฅLoan repayment inquiry/payment (interest payment amount inquiry/repayment scheduled amount inquiry/interest (principal) immediate withdrawal request/principal repayment/limit cancellation/deposit-secured loan offset)
โฆLoan repayment schedule inquiry (maturity status / repayment schedule (interest payment due date)
โงRight to request interest rate reduction (application/history inquiry)
โจLoan withdrawal (application/inquiry/cancellation)
3. Apply for deposit and loan products
โ Deposit product
โกLoan products
4. Requirements for loan processing
โ Online document submission
โกWrite an electronic contract
โขConsent to credit inquiry and write suitability
5. Customer Center
โ Notice
โกHelp
โข Electronic civil service application
โฃOnline counseling center
โคRight to request interest rate reduction
โฅSales information
โฆUser precautions
โงUsage information (Usage time information / Counselor connection)
โจTerms of Use/Privacy Policy (Terms of Use/Electronic Finance Terms of Use/Personal Information Processing Policy)
โฉ Application for issuance of various certificates (deposit balance certificate / debt balance certificate / financial transaction confirmation / withholding tax receipt / non-face-to-face application)
โชRight to terminate illegal contract
6. User information management
โ Check/change user information
โกChange user password
โขLost/re-registered user password
โฃReset user password error 5 times
โคRegister your first user password
โฅLong-term non-connection cancellation
7. Certification Center
โ Joint certificate information
โกCopy joint certificate (PC โ Smartphone copy / Smartphone โ PC copy)
โขJoint certificate management (joint certificate registration from other organizations / cancellation of joint certificates from other organizations / joint certificate management)
8. Security Center
โ Electronic financial fraud prevention service
โกSimple password authentication management (registration/re-registration/cancellation)
โขPattern authentication management (registration/re-registration/cancellation)
โฃFingerprint authentication management (registration/re-registration/cancellation)
โคFace ID authentication management (registration/re-registration/cancellation)
โฅmOTP management (setting/resetting/cancellation)
โฆOTP correction
โงOther organization OTP management (registration/change)
โจTerminal designation service (subscription/inquiry/cancellation)
โฉAdditional authentication service (subscription/change)
โชAuthentication exception service
9. App version
[Korea Savings Bank Customer Center]
Customer Support Team: 1877-9900 (Weekdays 09:00 ~ 18:00)
[App permission and purpose information]
1. Storage space [required]: Save joint certificate, use temporary storage space
2. Camera [required]: Take an ID card for non-face-to-face real name verification
3. Photo [Required]: Use a photo stored in the device to verify identity.
4. Phone [required]: Used to collect mobile phone device information
5. Location [Required]: Search for branch location
6. SMS [Required]: Sending information such as transfer results
Items for investigation of credit disorderly conduct (prevention of voice phishing damage for customers using Koryo Savings Bank App through detection of malicious apps): Malicious App detection information, diagnostic information on detected malicious Apps
[Koryo Savings Bank Loan Product]
Product Name: New Planon III
- Loan target: Salary earners and housewives over the age of 20 with proof of income (excluding defaulters, excessive debtors, and those who have not served in the military)
NICE, KCB personal credit score of 500 points or higher
- Loan limit
Minimum 3 million won ~ Maximum 100 million won
- Loan period: 12 to 96 months with equal installment of principal and interest
- Loan interest rate
Loan interest rate = base interest rate (procurement interest rate) + additional interest rate
Base interest rate: procurement cost
Additional interest rate: Differentially applied depending on the bankโs internal rating, etc.
*New Plan Loan III: 5.90% ~ 18.78% per annum (differentially applied according to internal standards)
- Default interest rate: Contracted interest rate + 3.0% (up to 20%)
Do not exceed the statutory interest rate, including interest rates and fees.
- Interest charging period: Monthly installment (automatic transfer possible)
- Method of repayment of principal and interest: Repayment of principal and interest in equal installments
- Early repayment conditions (fee): Loan amount repaid before the due date
- stamp duty
* KRW 70,000 if exceeding KRW 50 million (50% borne by customer)
- Notice
Please check the product description and terms and conditions before signing the contract.
You have the right to receive a sufficient prior explanation of the product, and after understanding the explanation,
Please do business.
Excessive borrowing can cause your personal credit score to decline.
A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
In case of late payment, you may be required to repay the principal and interest before the expiration of the contract period.
Loan is determined based on savings bank screening standards and customer credit rating.
Loan interest rates may change depending on changes in the base interest rate.
If there is a change in personal information at the time of extension of the period, part or all of the loan amount will be refunded.
It may be recalled.
If repayment of the loan or interest payment is delayed, a delinquent interest rate will be applied and deposits, etc.
You may suffer financial disadvantages due to offset against other claims or legal procedures.
there is.
For further information, please contact the Customer Service Center (TEL. 1877-9900).
Please be sure to refer to the product description.
Reviewed by Korea Savings Bank Compliance Officer No. 2023-105 (2023.10.12.~2024.10.11.)
Reviewed by the Korea Federation of Savings Banks 2023-01204 (2023.10.24.~2024.10.23.)