IBK Savings Bank's new mobile app i-Bank.
We provide benefits that only IBK Savings Bank customers can enjoy, including free transfer fees, easy loan limit inquiries, and non-face-to-face loans without visiting the bank.
[main function]
■ Banking
- All account inquiry, transaction history inquiry, transfer, account password change and error cancellation
- Quick and convenient login with fingerprint, pattern, simple password, etc.
■ Easy transfer service
- A service that allows easy transfer (remittance) at once within the limit of 3 million won per day
■ Non-face-to-face service
- New deposit/savings account opening: Financial services that do not require a visit to the bank, such as unique term deposits (simple interest/compound interest), smart term deposits, and fruitful regular deposits
- Subscription to electronic finance, application for check card, electronic loan agreement, personal authentication, online document submission
■ i-Big Loan U Plus: Employee screening credit loan for office workers
- Loan Eligibility: Customers aged 20 or older who can prove their income
Employees who have worked for 120 days or more at the current workplace (annual income of 24 million won or more)
A person whose limit is calculated by our CSS evaluation system (NICE personal credit rating of 725 points)
or higher and KCB personal credit score of 535 points or higher)
- Loan interest rate: 7~17% per year (applied differently depending on customer AS level)
- Loan limit: Minimum KRW 5 million ~ maximum KRW 100 million
- Loan period: minimum 12 months ~ maximum 60 months
※ Selectable in 12-month increments
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental Expenses: Taxes paid at the time of loan agreement in accordance with the Stamp Tax Act, resulting in revenue stamp costs
Up to KRW 50 million in loans: exempted
Loan amount exceeding 50 million won to less than 100 million won: revenue recognition cost of 70,000 won (50% each for the customer and the savings bank)
Early redemption fee: 1.6% of the redemption amount
※ Pre-repayment loan amount X pre-repayment commission rate X loan remaining days/loan period
- Interest payment period: After each month
- Repayment method: Repayment in equal installments of principal and interest
- Loan repayment example: 15% of KRW 10 million, principal and interest repaid in equal installments over 60 months, total repayment amount including principal and interest KRW 14,283,348
■ i-Big Loan U: Credit loan for office workers based on employee screening
- Loan Eligibility: Customers aged 20 or older who can prove their income
Employees who have worked for 120 days or more at the current workplace (annual income of 24 million won or more)
A person whose limit is calculated by our CSS evaluation system (NICE personal credit rating of 725 points)
or higher and KCB personal credit score of 535 points or higher)
- Loan interest rate: 10-17% per year (applied differently depending on customer AS level)
- Loan limit: Minimum KRW 5 million ~ maximum KRW 40 million
- Loan period: minimum 12 months ~ maximum 60 months
※ Selectable in 12-month increments
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental cost: none
Early redemption fee: 1.6% of the redemption amount
※ Pre-repayment loan amount X pre-repayment commission rate X loan remaining days/loan period
- Interest payment period: After each month
- Repayment method: Repayment in equal installments of principal and interest
- Loan repayment example: 15% of KRW 10 million, principal and interest repaid in equal installments over 60 months, total repayment amount including principal and interest KRW 14,283,348
■ Online Sunshine Loan: Government support loan for workers with low income and low credit
- Loan Eligibility: Customers aged 19 or older who can prove their income
: A person whose annual income is less than 45 million won and whose personal credit score is in the bottom 20/100
※ However, if the annual income is less than 35 million won, it is possible regardless of the NICE credit rating.
① Normal payment of current workplace health insurance premiums for at least 3 months
② Not owning a house in one's name
③ Possession of a public certificate in the name of the person and mobile phone
Applicable if all of the above ①,②,③ apply
- Loan interest rate: 8-9% per year (12-month floating rate)
※ This is a product exclusively for the I-Bank app, and the preferential rate of 1.7%p compared to Sunshine Loan (for workers) is applied.
* Loan interest rate = base interest rate + additional interest rate
- Standard interest rate: Weighted average interest rate for all one-year time deposits of savings banks in the previous month
- Additional interest rate: Differently applied depending on customer credit rating, etc.
- Loan limit: up to KRW 15 million
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental expenses: Guarantee fee (2% of the deposit amount, 1% for social consideration)
- Interest payment period: After each month
- Loan period: 3 years, 5 years (repayment of principal in equal installments)
- Loan repayment example: 10 million won, 9% of principal repaid in equal installments over 60 months, total repayment amount including principal, interest, and guarantee fee is 12,760,185 won
■ Stock Loan: Online stock purchase loan secured by securities and deposits in securities accounts
※ For detailed product information, please refer to the IBK Savings Bank website (sbloan.ibksb.co.kr/ibk/loan/loan_05_03.jsp).
■ Sideways Loan 2: Government-supported loans for traders with medium and low credit
※ For detailed product information, visit the website of IBK Savings Bank (sbloan.ibksb.co.kr/ibk/loan/loan_02_02.jsp)
Please note.
※ For detailed product information, visit the IBK Savings Bank website (www.ibksb.co.kr)
Please note.
· Please check the product description and terms and conditions before signing the contract.
You have the right to receive sufficient prior explanation of the product, and after understanding the explanation
Please trade.
· Excessive borrowing can cause a drop in personal credit score.
Restrictions or disadvantages in financial transactions may occur due to a drop in personal credit score.
· In the case of overdue, an obligation to repay the principal and interest may occur before the expiration of the contract period.
[Authentication/Security User Guide]
- Supports the simple authentication service of the Federation of Savings Banks. (Provides PIN, pattern, and fingerprint authentication)
- Supports public certificates and mOTP (mobile OTP) for the use of electronic financial services.
- Support electronic financial fraud prevention service.
(terminal designation service or additional authentication service)
[Guide to using app permissions]
- (Required) Storage space: Used for access to secure media such as public certificates
- (Required) Phone: Used for counseling connection, identity authentication, and device authentication
- (Optional) Camera: ID card shooting
- (Optional) Notification: Use for PUSH transmission such as financial information and events
- (Optional) Microphone: Use for video call
- (Optional) FACE ID: Simple authentication process
※ We request minimum access rights for your smooth app use.
※ You can use the service even if you do not agree to the optional access right, but there may be restrictions on the use of some functions.
※ For inquiries about IBK Savings Bank i-Bank, please use the Customer Center (1522-7900). (Consultation hours: weekdays 9:00~18:00)
IBK Savings Bank Compliance Officer Deliberation No. 2023-160 (2023.08.22 ~ 2024.08.21)
Central Savings Bank Deliberation No. 2023-00384 (2023.04.04 ~ 2024.04.03)
[Collection of customer data (sensitive information)]
- Items for investigation of credit disorder behavior (prevention of voice phishing damage of customers using IBK Savings Bank App through malicious App detection): Malicious App detection information, diagnostic information on detected malicious App.
- Confirmation of access to usage information for the purpose of preventing financial fraud through remote control apps.
We provide benefits that only IBK Savings Bank customers can enjoy, including free transfer fees, easy loan limit inquiries, and non-face-to-face loans without visiting the bank.
[main function]
■ Banking
- All account inquiry, transaction history inquiry, transfer, account password change and error cancellation
- Quick and convenient login with fingerprint, pattern, simple password, etc.
■ Easy transfer service
- A service that allows easy transfer (remittance) at once within the limit of 3 million won per day
■ Non-face-to-face service
- New deposit/savings account opening: Financial services that do not require a visit to the bank, such as unique term deposits (simple interest/compound interest), smart term deposits, and fruitful regular deposits
- Subscription to electronic finance, application for check card, electronic loan agreement, personal authentication, online document submission
■ i-Big Loan U Plus: Employee screening credit loan for office workers
- Loan Eligibility: Customers aged 20 or older who can prove their income
Employees who have worked for 120 days or more at the current workplace (annual income of 24 million won or more)
A person whose limit is calculated by our CSS evaluation system (NICE personal credit rating of 725 points)
or higher and KCB personal credit score of 535 points or higher)
- Loan interest rate: 7~17% per year (applied differently depending on customer AS level)
- Loan limit: Minimum KRW 5 million ~ maximum KRW 100 million
- Loan period: minimum 12 months ~ maximum 60 months
※ Selectable in 12-month increments
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental Expenses: Taxes paid at the time of loan agreement in accordance with the Stamp Tax Act, resulting in revenue stamp costs
Up to KRW 50 million in loans: exempted
Loan amount exceeding 50 million won to less than 100 million won: revenue recognition cost of 70,000 won (50% each for the customer and the savings bank)
Early redemption fee: 1.6% of the redemption amount
※ Pre-repayment loan amount X pre-repayment commission rate X loan remaining days/loan period
- Interest payment period: After each month
- Repayment method: Repayment in equal installments of principal and interest
- Loan repayment example: 15% of KRW 10 million, principal and interest repaid in equal installments over 60 months, total repayment amount including principal and interest KRW 14,283,348
■ i-Big Loan U: Credit loan for office workers based on employee screening
- Loan Eligibility: Customers aged 20 or older who can prove their income
Employees who have worked for 120 days or more at the current workplace (annual income of 24 million won or more)
A person whose limit is calculated by our CSS evaluation system (NICE personal credit rating of 725 points)
or higher and KCB personal credit score of 535 points or higher)
- Loan interest rate: 10-17% per year (applied differently depending on customer AS level)
- Loan limit: Minimum KRW 5 million ~ maximum KRW 40 million
- Loan period: minimum 12 months ~ maximum 60 months
※ Selectable in 12-month increments
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental cost: none
Early redemption fee: 1.6% of the redemption amount
※ Pre-repayment loan amount X pre-repayment commission rate X loan remaining days/loan period
- Interest payment period: After each month
- Repayment method: Repayment in equal installments of principal and interest
- Loan repayment example: 15% of KRW 10 million, principal and interest repaid in equal installments over 60 months, total repayment amount including principal and interest KRW 14,283,348
■ Online Sunshine Loan: Government support loan for workers with low income and low credit
- Loan Eligibility: Customers aged 19 or older who can prove their income
: A person whose annual income is less than 45 million won and whose personal credit score is in the bottom 20/100
※ However, if the annual income is less than 35 million won, it is possible regardless of the NICE credit rating.
① Normal payment of current workplace health insurance premiums for at least 3 months
② Not owning a house in one's name
③ Possession of a public certificate in the name of the person and mobile phone
Applicable if all of the above ①,②,③ apply
- Loan interest rate: 8-9% per year (12-month floating rate)
※ This is a product exclusively for the I-Bank app, and the preferential rate of 1.7%p compared to Sunshine Loan (for workers) is applied.
* Loan interest rate = base interest rate + additional interest rate
- Standard interest rate: Weighted average interest rate for all one-year time deposits of savings banks in the previous month
- Additional interest rate: Differently applied depending on customer credit rating, etc.
- Loan limit: up to KRW 15 million
- Overdue interest rate: Loan interest rate within +3% (overdue interest rate), up to 20%
- Incidental expenses: Guarantee fee (2% of the deposit amount, 1% for social consideration)
- Interest payment period: After each month
- Loan period: 3 years, 5 years (repayment of principal in equal installments)
- Loan repayment example: 10 million won, 9% of principal repaid in equal installments over 60 months, total repayment amount including principal, interest, and guarantee fee is 12,760,185 won
■ Stock Loan: Online stock purchase loan secured by securities and deposits in securities accounts
※ For detailed product information, please refer to the IBK Savings Bank website (sbloan.ibksb.co.kr/ibk/loan/loan_05_03.jsp).
■ Sideways Loan 2: Government-supported loans for traders with medium and low credit
※ For detailed product information, visit the website of IBK Savings Bank (sbloan.ibksb.co.kr/ibk/loan/loan_02_02.jsp)
Please note.
※ For detailed product information, visit the IBK Savings Bank website (www.ibksb.co.kr)
Please note.
· Please check the product description and terms and conditions before signing the contract.
You have the right to receive sufficient prior explanation of the product, and after understanding the explanation
Please trade.
· Excessive borrowing can cause a drop in personal credit score.
Restrictions or disadvantages in financial transactions may occur due to a drop in personal credit score.
· In the case of overdue, an obligation to repay the principal and interest may occur before the expiration of the contract period.
[Authentication/Security User Guide]
- Supports the simple authentication service of the Federation of Savings Banks. (Provides PIN, pattern, and fingerprint authentication)
- Supports public certificates and mOTP (mobile OTP) for the use of electronic financial services.
- Support electronic financial fraud prevention service.
(terminal designation service or additional authentication service)
[Guide to using app permissions]
- (Required) Storage space: Used for access to secure media such as public certificates
- (Required) Phone: Used for counseling connection, identity authentication, and device authentication
- (Optional) Camera: ID card shooting
- (Optional) Notification: Use for PUSH transmission such as financial information and events
- (Optional) Microphone: Use for video call
- (Optional) FACE ID: Simple authentication process
※ We request minimum access rights for your smooth app use.
※ You can use the service even if you do not agree to the optional access right, but there may be restrictions on the use of some functions.
※ For inquiries about IBK Savings Bank i-Bank, please use the Customer Center (1522-7900). (Consultation hours: weekdays 9:00~18:00)
IBK Savings Bank Compliance Officer Deliberation No. 2023-160 (2023.08.22 ~ 2024.08.21)
Central Savings Bank Deliberation No. 2023-00384 (2023.04.04 ~ 2024.04.03)
[Collection of customer data (sensitive information)]
- Items for investigation of credit disorder behavior (prevention of voice phishing damage of customers using IBK Savings Bank App through malicious App detection): Malicious App detection information, diagnostic information on detected malicious App.
- Confirmation of access to usage information for the purpose of preventing financial fraud through remote control apps.
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