OK저축은행

OK Savings Bank Mobile Banking! We provide non-face-to-face account opening, deposit product subscription, loan, and banking services.

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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 anywhere, anytime, 24 hours a day, 365 days a year.

Use OK Savings Bank by conveniently logging in with a simple password, pattern, or fingerprint! 』

■OK Savings Bank mobile APP service provided

1. Deposit/savings

- Non-face-to-face account opening: You can open a deposit/withdrawal account without visiting a branch.

- Account inquiry: You can check 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: You can withdraw money from an ATM anywhere with just simple authentication.

- Offered products: You can sign up for a deposit to make a lump sum of spare funds, a savings account to make a lump sum of money from seed money, and a free deposit that can be canceled at any time.

2. Loan

- Credit loan: From application to remittance, you can do it all at once online.

- Car loan: If you own a car, you can apply for a loan of up to 100 million won.

- Housing loan: If you own a house, you can apply for a loan of up to 95% of the house market value.

- Saitdol Loan: This is a government-guaranteed product with a mid-interest rate and a wide limit.

- Additional/Reloan: Existing customers who need more loans can apply.

3. View/Manage my account

- Account inquiry: You can view and manage the savings/savings accounts and loan accounts you have opened.

- Certificate issuance: You can apply for 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 write a contract with a certificate without visiting a branch.

4. Special benefits of OK membership

- Membership benefits: After signing up for membership, you can repay the loan with accumulated points depending on 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 the market price of your car: You can check the car price by taking a photo of your car's license plate number.

6. Customer Center

- Ask anything 24 hours a day through OkiTalk chat consultation.

- Call center main number: 1899-7979

- Credit loan main number: 1800-8282

■Access rights

1. Required access rights

- Save: Run application, save coupon and transfer confirmation, save image

- Phone: Consultation connection and device authentication

- Notifications: Alerts and icon badges

- Information in installed apps: Malicious app detection to prevent electronic financial transaction accidents

2. Optional access rights

-Camera: Take photos of ID cards and check vehicle price

- Push: Push notifications such as instant transfer

※ You can use OK Savings Bank services even if you do not allow selection, but some services may be restricted.

■Notes

※ If the update does not work, please delete and reinstall the installed OK Savings Bank app.

※ It cannot be used on smartphones or tablet devices that have been modified (rooted).

※ In 3G and LTE, data charges may apply if the flat rate capacity is exceeded.

■ Loan product information

Credit loan interest rate: 5.9%~19.99% per year (calculation standard: applied differently depending on the customer’s personal credit score, etc.)

Credit loan delinquent interest rate: agreed upon interest rate + 3% per annum (up to 19.99% per annum)

Loan target: Customers aged 20 or older with proof of income / Customers with a credit score [NICE] of 351 or higher (may be rejected according to our review standards)

Loan limit: Minimum 100,000 won ~ Maximum 100 million won

Interest charging period: Posted every month

Repayment method: Applied differently depending on the product, such as maturity date/principal equalization/principal equalization, etc.

Repayment period: Minimum 12 months ~ Maximum 120 months

Fees and incidental costs: Stamp duty (if the loan amount exceeds 50 million won, 50% of the amount stipulated in the Stamp Duty Act is borne by the customer)

Early repayment fee: up to 2%

Online Sunshine Loan Interest Rate: 9.59% per annum ~ 10.59% per annum (as of August 2024/calculation standard: subject to change according to the interest rate notified by the Financial Supervisory Service every month) ※ 0.5%p reduction when making a non-face-to-face (online) Sunshine Loan)

Online Sunshine Loan delinquent interest rate: agreed upon interest rate + 3% per annum (maximum within 14.5% per annum)

Loan eligibility: Office workers (employed for more than 3 months/earned income of 45 million won or less per year & personal credit score in the bottom 20/100/earned income of 35 million won or less per year) ㅣ May be rejected according to our company’s review standards

Loan limit: minimum 3 million won ~ maximum 20 million won

Interest charging period: Monthly installment (charged on the loan date or the same day)

Repayment method: Equal principal installments │ Repayment period: 36 months, 60 months

Fees and incidental expenses: Guarantee fee received by the Korea Inclusive Finance Agency (2.5% per annum of the guarantee amount, / However, 1.5% per annum for those subject to social consideration, 2.0% per annum for low-income youth, 60% of the guarantee fee for the interest rate exceeding 10.5% per annum when executing a loan ( Up to 0.6%p) reduction (burdened by the Korea Inclusive Finance Agency)

Early repayment fee: None

*You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before making the transaction.

*Please read the financial product description and terms and conditions before signing a financial product.

*Excessive borrowing may cause a decline in your credit rating or personal credit score.

*Restrictions or disadvantages in financial transactions may occur due to a decline in credit rating or personal credit score.

*In case of late payment, you may be required to repay the principal and interest before the contract period expires.

*OK Savings Bank handles a variety of credit loan products, and transaction conditions such as loan target, loan limit, and loan interest rate may vary depending on the product and inflow channel. Please refer to the website for more detailed information about the product.

*Application available 24 hours a day, 365 days a year (except in case of reasons such as computer inspection by our bank)

Reviewed by the Korea Federation of Savings Banks No. 2022-00775 (effective period: 2022.06.15 ~ 2023.06.14)

OK Savings Bank Compliance Officer Review No. 2024 - 231 (Validity Period: 2024.08.09 ∼ 2025.08.08)