When you open a KB Kookmin Bank account, a limit-limited account ticket is attached by default.
Only 300,000 won per day can be transferred from the limit-limited account. (Available up to 100,000 won at the window)
If you link a debit card to your payment account, you will not be able to pay more than 300,000 won.
2022.02.24
I was looking for a way with a chatbot. 국민은행 한도제한계좌
I thought it would be difficult to do it any other way, so I decided to trade stocks.
(4) Stock trading: Performance of stock trading more than a certain number of times through the KB able Plus passbook (period and frequency are not disclosed and change from time to time to prevent the use of cannon bankbooks) 이베이스매뉴얼
If you convert ‘KB My Fit Passbook’ to ‘KB able Plus Passbook’ in the Star Banking app, an account linked to KB Securities is created.
(Passbook conversion is not possible on the website.)
2022.02.28
2022.03.02
If you deposit money into your Kookmin Bank account, you can use it as a deposit without having to transfer it to your KB Securities account.
When trading, you need to be careful about the commission, but 0.015% is applied on the homepage or HTS and 0.12% is applied on the mobile MTS.
MTS is about 10 times more expensive.
If you buy and sell domestic stock-type ETFs, you can trade them without paying tax as they are tax-free.
There is a condition of ‘to prevent the use of cannon bankbooks, the period and number of times are not disclosed, and it is changed frequently’, but you can find out roughly how much if you search.
2022.03.03
Lastly, if you apply for limit cancellation, the cancellation is completed immediately.
In the Star Banking app: All accounts > To the right of the limit account mark: Press (the button with three dots) > ‘Apply to cancel the limit limit’
Nowadays, due to Corona, the use of non-face-to-face account opening is increasing.
I recently opened an account or issued a passbook.
I’ve been to the bank on almost a handful of occasions.
These days, many people are using non-face-to-face account opening.
Although it is very convenient to open a non-face-to-face account,
If you are not employed or are a student, you must provide proof of income.
Because there is no evidence
You may not be able to make it.
In this case, how can I open the limit-limited account?
Let’s find out more about how to cancel Kookmin Bank’s limit-limited account.
What is a capped account?
In case the purpose of opening an account is recognized even though the documentary evidence has not been submitted
You can use it as an account with a limit on financial transactions.
In other words, it refers to an account with a limit on transfers and withdrawals.
In the case of such an account, there is a limit, so it is inconvenient to use.
In order to prevent the eradication of cannon bankbooks due to the recent surge in financial fraud damage
Opening a new account is also said to be difficult.
In addition, it is said that the opening is possible with a limit applied.
It would be good to refer to those who are issuing new accounts.
Please refer to the picture above for the limited amount.
It makes me very uncomfortable writing it.
If you want to use it comfortably, it would be better to turn it off.
In order to release this, you need to prepare evidence to suit the purpose of financial transactions.
You can visit the nearest branch to request cancellation.
In case of documentary evidence
Salary Passbook: Employment certificate, pay stub, wage and salary income withholding receipt, etc.
Pension receipt passbook: Pension certificate (confirmation of pension beneficiary, etc.)
Business passbook: contract for supply of goods (invoice), (electronic) tax invoice,
Financial statements, VAT certification office, tax payment certificate, etc.
Meeting passbook: member list, bylaws, etc.
Utility bill, management fee passbook: utility bill payment receipt, management fee receipt, etc.
In other cases: Objective that can confirm the purpose of establishment
Evidence required
It will vary depending on the situation, but if you are an office worker,
Employment certificate, salary slip, wage and salary income withholding tax receipt
It can be solved with
If you are a business owner, you must have a steady transaction history of 3 months or more.
It seems that it can be solved with the generated data, tax invoice, etc.
Unfortunately, if you don’t have any supporting documents, you have no choice but to use it with a limited limit.
For that reason, even if it is cumbersome, be sure to bring the relevant documents
Let’s push the limits!
I hope this helps you in unlocking Kookmin Bank’s limit-limited account! thank you
Wow, what is this…
Just finished after 3 months of long waiting,
It’s a bit silly haha
How to unlock Kookmin Bank limit limit account
Let’s start with the actual review.
1. Preparations
Employment certificate, withholding tax receipt, pay stub
Just take these 3 and go to the bank!!
Certificate of Employment
Withholding tax receipt
3 month’s salary receipt
2. Conversation with the bank teller
Banker: Huh? Paycheck properly
did you get it right?
Dagger Keeper: What do you mean?
Bank clerk: Salary transfer history
All were not accepted.
Dagger Keeper: ???;;;;;; What do you mean?
Did you receive all that salary through this bankbook? ㅜㅜ
Banker: Oh! This is a bulk transfer
did you get paid?
Dagger Keeper: Yes, that’s right.
The company pays you in bulk.
Banker: A company not affiliated with Kookmin Bank.
Bulk transfers are not recognized as salary.
Dagger Keeper: What??
So, can’t I cancel that limit-limited account?
(At this time.. my hair really turned white lol)
Banker: No.
We will take care of the documents you bring.
Dagger Keeper: Yes, thank you.
This is how the conversation ended and it was processed.
3. Change of passbook before and after change
Can you see it?
was in the upper left
The limit-limited account display has disappeared.
Waiting 3 months to do this…
passbook before change
passbook after change
If you are a business person reading this post,
Please refer to it and cancel the limit limit account.
Then hello!
Youth Hope Savings
① From 19 to 34 years old
② The total salary of the previous year must be less than or equal to 36 million won or the total income must be less than or equal to 26 million won.
③ Persons who are not subject to comprehensive financial income taxation pursuant to Article 129-2 of the Restriction of Special Taxation Act
This subscription was
Fortunately (?) I was eligible to join, with low income.
I compared the preferential rates of different banks.
In most cases, it is the first transaction, so there is a preferential rate
KB Kookmin Bank, which has no transaction history, was selected.
so far it’s good
So, by opening a non-face-to-face account
I made one general deposit and withdrawal bankbook and one youth hope savings account.
But I can easily register for payroll transfer
You know you just need to write “salary”
First transaction 0.5 + salary transfer 0.5 do
I tried to transfer my payroll by myself.
Looking closely at (Note 1)
Prior date of payroll under a pay transfer or mass transfer contract with KB Kookmin Bank;
Payroll transfer by Topline, corporate internet banking, etc.
So I don’t think it’s relevant ㅠ_ㅠ
In the end, the preferential rate…
Direct debit 0.3 + first transaction 0.5 = 0.8p.
ok so far!!
To receive a preferential rate for direct debit
Use a channel other than the window such as automatic debit to make a deposit from the KB Kookmin Bank deposit and withdrawal account.
I had to, so I applied for automatic debit from the bank account of KB Bank.
But I have a question!
1) This is the first time you open an account.
Since it was opened as a limit-limited account, only 300,000 won per day can be transferred.
I set the automatic debit of 500,000 won, is this okay?
Limited account?
When opening a deposit/withdrawal account, it is a system that limits the transfer of up to 300,000 won per day from online mobile banking and automatic teller machines and 1 million won at branch offices. load
2) And I registered the automatic debit date as the 1st of every month.
It’s the 1st today, so why don’t you miss it??
Once connected to the customer center!!
1) Direct debit has nothing to do with limit-limited accounts.
Even if the transfer limit of the limit-limited account is 300,000 won, you can register for automatic debit of 500,000 won.
2) Direct debit is processed between 7pm and 8pm.
Aha!!!!!
But if I self-transfer yesterday saying “salary”
I knew it was going to happen, so I transferred 100 million won…??
I need to find the other 50!!
Ah….. the limit of 300,000 won…….
I want to close the limit-limited account
I am self-employed and I asked what documents I should bring!!
(Of course, it’s all written on the internet, but because it says “etc.”
I don’t want to walk in vain ^^ I’m definitely going to ask)
You must have transaction details that match the purpose of financial transactions for 3 months!!
yes?? What do you mean??
If I was an employee and the purpose of the transaction was a payroll account
Documents are simple
Employment certificate, pay stub, earned income withholding tax receipt
This is possible, but
It is not possible if there is only simple deposit and withdrawal details in the bankbook.
From the bankbook with the name of the company listed on the certificate of employment
You must have a transaction history such as salary or bonus bonus for 3 months!!!!
So, since I am self-employed, I am not the purpose of a paycheck, so what happens?
Then the purpose of the transaction is to become a business account.
Goods supply contract, (electronic) tax invoice, financial statement, value-added tax certification agency, tax payment certification agency
It’s not just the paperwork.
To the customer who issued sales tax invoices to me for 3 months
The details of the payment I made,
Or a record of receiving the proceeds from store operation sales into the account;
or VAT paid in the account
Said it should be something like this…
No, then… it just means you can’t close the limit-limited account ㅠ_ㅠ
I’m the first person to trade, so where is the history of that for 3 months…..
And how do you change all those things to cancel the limit-limited account?!!!!!!
So people in a hurry
Close your account to get money, or
Create a credit card even if there is an annual fee,
Register as a KB Securities trading account to create stock transaction details or
You did this…….
I gave up on closing the limit-limited account,
50,000 won will be automatically transferred
The remaining 500,000 won over 2 days
need to transfer