OK저축은행

OK
Sssssha! OK Savings Bank App reborn! Experience special services for customers in the new OK Savings Bank App.

『 You can use it easily and quickly 24 hours a day, 365 days a year, anytime, anywhere.
Log in conveniently with a simple password, pattern, or fingerprint and use OK Savings Bank! 』

OK Savings Bank mobile APP service
1. Deposit/deposit
- Non-face-to-face account opening: You can open a bank account for deposit and withdrawal without visiting a branch.
- Account inquiry: You can search your account anytime, anywhere through simple authentication.
- Immediate transfer: You can transfer up to 10 million won with simple authentication.
- KakaoTalk transfer: You can send money directly to your friends through KakaoTalk.
-ATM Withdrawal: With simple authentication, you can withdraw from ATM anywhere.
- Provided products: You can sign up for a deposit that rolls a large amount of surplus funds, an installment savings account that makes a large amount of money with seed money, and a free deposit that can be canceled at any time.

2. Loan
- Credit Loan: From online application to remittance, you can do it all at once.
- Car loan: If you own a car, you can apply for a loan of up to 100 million won.
- Home loan: If you own a house, you can apply for a loan of up to 95% of the house price.
- Intermediate Loan: As a government-guaranteed product, you can use many limits at medium interest rates.
- Additional/re-loan: Existing customers who need more loans can apply.

3. View/manage my account
- Account inquiry: You can view and manage your deposit/savings account and loan account.
- Issuance of certificates: You can apply for issuance of certificates related to deposits and loans.
- Transfer: You can use transfer services such as immediate transfer, automatic transfer, scheduled transfer, and delayed transfer.
- Immediate repayment: Loans can be repaid using certificates and ARS.
- Electronic contract: You can sign a contract with a certificate without visiting a branch.

4. Special benefits only for OK membership
- Membership benefits: After signing up for membership, you can repay the loan with points accumulated according to the loan transaction situation.
- OK Game: You can receive game points by participating in “Roulette” and “Protect the Carrot Star”.
- Event: You can enjoy unique benefits for membership customers.

5. Market price inquiry service
- Check my vehicle price: You can check the vehicle price by taking a picture of your vehicle license plate number.


6. Customer Center
- Ask anything 24 hours a day through Okitak chatting.
- Call center representative number: 1899-7979
- Credit loan representative number: 1800-8282




■Access right
1. Essential access rights
- Storage: Running the application, saving coupons and transfer confirmation
-Phone: Consultation connection and device authentication

2. Optional access rights
-Camera: ID card shooting and vehicle price check
- Push: Push notifications such as immediate transfer
※ You can use the OK Savings Bank service even if you do not allow the optional items, but some services may be restricted.

Notes
※ If the update fails, please delete the installed OK Savings Bank app and reinstall it.
※ Cannot be used on arbitrarily modified (rooted) smartphones and tablet devices.
※ For 3G and LTE, data charges may apply if the flat-rate plan capacity is exceeded.

Loan product information
- Credit loan interest rate: 5.9% ~ 19.9% ​​per year (Calculation standard: applied differently depending on the customer's personal credit score, etc.)
- Overdue interest rate for credit loans: Contracted interest rate + 3% per annum (up to 19.9% ​​per annum)
- Loan Eligibility: Customers aged 20 or older who can prove their income / Customers with [NICE] 351 or higher credit score (subject to rejection according to our screening criteria)
- Loan limit: self-employed up to 100 million won / office worker up to 50 million won
- Interest payment period: monthly after payment
- Repayment method: Depending on the product, such as maturity date/equal principal/equal principal amount, etc.
- Repayment period: minimum 12 months ~ maximum 84 months
- Fees and Incidental Expenses: Stamp Tax (If the loan amount exceeds KRW 50 million, 50% of the amount stipulated by the Stamp Tax Act is paid by the customer)
- Early redemption fee: up to 1.8%

- Online Sunshine Loan interest rate: 7% ~ 8% per year (Calculation standard: subject to change according to the interest rate announced by the Financial Supervisory Service every month, 1.3% per annum loan interest rate is added if electronic signature is not completed online)
- Eligible for loan: Office workers (working for 3 months or more/earned income less than 45 million won/yearly earned income less than 20/100/earned income less than 35 million won/year) | May be rejected according to our screening criteria
- Loan limit: Minimum KRW 3,000,000 ~ maximum KRW 20,000,000
- Interest charge period: monthly after payment (charged on the date of loan or on the same day)
- Repayment Method: Equal installment of principal | Redemption period: 36 months, 60 months
- Fees and incidental expenses: Guarantee fee for the deposit of the Small Finance Promotion Institute (2% per year of the guarantee amount, / However, 1% per year for social consideration, 1.5% per year for low-income youth)
- Early redemption fee: none

* You have the right to receive a sufficient prior explanation of the product, and please trade after understanding the explanation.
* Please read the financial product manual and terms and conditions before entering into financial products.
* Excessive borrowing can cause a drop in your credit rating or personal credit score.
* Restrictions or disadvantages in financial transactions may occur due to a drop in credit rating or personal credit score.
* In case of overdue, the obligation to repay the principal and interest may occur before the expiration of the contract period.
* There are several products for OK Savings Bank credit loans, and transaction conditions such as target, limit, and interest rate are different for each product. Please refer to the homepage for details.

Deliberation by Korea Federation of Savings Banks 2022-00775 (valid period 2022.06.15 ~ 2023.06.14)