Download GO BANK(고려저축은행) APK free

App information
Korea Savings Bank GO BANK is a deposit/loan integrated app service newly introduced by Korea Savings Bank.
This is an app service that allows customers to conveniently and safely sign up for various financial products (deposits/loans).
You can conveniently sign up for deposits and savings accounts without visiting a bank, and use it conveniently from loan application to remittance.

[Korea Savings Bank 『GO BANK』 Main Services]

1. Banking service
① Inquiry (inquiry of all accounts / inquiry of transaction history / change of installment payment date / automatic re-deposit of maturity / deposit of deposit)
②Transfer (immediate transfer / automatic transfer (other bank / our bank / CMS) / reservation transfer / delayed transfer)
③ Banking management (transfer limit inquiry / reduction / transfer limit increase / delayed transfer service registration / cancellation / account password change and error correction, etc.)
④Accident report (passbook, personal seal, security card, OTP, cash card accident report and OTP accident recovery)
⑤ Non-face-to-face deposit account opening (application / inquiry/cancellation of account opening application details)

2. Loan service
① Loan application (automatic loan application / general loan application / secured loan application)
② Loan limit inquiry
③ Loan progress inquiry
④ Inquiry on deposit-backed loan results
⑤ Loan account inquiry (All account inquiry / Transaction history inquiry / Loan cancellation account inquiry)
⑥ Loan repayment inquiry and payment (interest payment inquiry / expected repayment amount inquiry / interest (principal and principal) immediate withdrawal request / principal repayment / limit cancellation / offsetting of deposit-backed loan)
⑦ Loan repayment schedule inquiry (Status of maturity / repayment schedule (interest payment due date)
⑧Right to request rate cut (application/history inquiry)
⑨Withdrawal of loan (application/inquiry/cancellation)

3. Application for deposit and loan products
① Deposit products
② Loan products

4. Necessary matters for loan processing
①Online submission of documents
② Preparation of electronic contract
③Credit inquiry consent and appropriateness

5. Customer Center
① Notice
②Help
③ Electronic civil petition
④Online counseling center
⑤ Right to request a rate cut
⑥ Branch information
⑦ Freedom of use
⑧Usage information (Usage hours information / Counselor connection)
⑨Terms/Personal Information Processing Policy (Terms of Use / Electronic Financial Terms of Use / Personal Information Processing Policy)
⑩Application for certificate issuance (deposit balance certificate / debt balance certificate / financial transaction confirmation / withholding tax receipt / non-face-to-face application)
⑪Right to cancel an illegal contract

6. User information management
① User information inquiry/change
②Change user password
③ Lost/re-registered user password
④Remove user password error 5 times
⑤ First user password registration
⑥Removal of long-term non-connection

7. Certification Center
① Information on joint certificates
② Copy of joint certificate (PC → Smartphone copy / Smartphone → PC copy)
③ Joint certificate management (registration of joint certificates of other organizations / cancellation of joint certificates of other organizations / management of joint certificates)

8. Security Center
① Electronic financial fraud prevention service
② Simple password authentication management (registration/re-registration/cancellation)
③Pattern authentication management (registration/re-registration/cancellation)
④ Fingerprint authentication management (registration/re-registration/cancellation)
⑤ Face ID authentication management (registration/re-registration/cancellation)
⑥mOTP management (setting/resetting/cancellation)
⑦ OTP correction
⑧ OTP management of other organizations (registration/change)
⑨ Terminal designation service (subscription / inquiry / cancellation)
⑩Additional authentication service (subscription/change)
⑪Certification exception service

9. App version

[Korea Savings Bank Customer Center]
Customer Support Team: 1877-9900 (Weekdays 09:00 ~ 18:00)

[App Permissions and Purpose Guide]
1. Storage space [required]: Save joint certificate, use temporary storage space
2. Camera [required]: ID for non-face-to-face real-name verification
3. Photo [required]: Use of the photo stored in the device for identification
4. Phone [required]: Used to collect mobile phone device information
5. Location [required]: Search for a branch location
6. SMS [required]: Send information such as transfer results

Items for credit disorder investigation (prevention of voice phishing damage by customers using Koryo Savings Bank App through detection of malicious apps): malicious app detection information, diagnostic information on detected malicious apps

[Korea Savings Bank Loan Products]
Product Name: Theory of Thought/Theory of Hope/New Plan Loan III
- Loan target: Office workers, self-employed, housewives, etc. who can prove income over the age of 20
(However, defaulters, excessive debtors, and non-military writers are excluded)
*Things to think: Those with a NICE credit score of 551 or higher
* Hope theory: Those with a NICE credit score of 531 or higher
*New Plan Loan III: NICE credit score of 350 or higher
- Loan limit
*Things to think: 100 million won
* Hope theory: up to 35 million won
*New Plan Loan III: Minimum KRW 5 million ~ Maximum KRW 100 million
- Loan period: repayment at maturity/can be extended up to 60 months in 12-month increments
Equal amortization of principal and interest / 12 to 96 months
- Loan interest rate
Loan interest rate = base interest rate (procurement interest rate) + additional interest rate
Base rate: Procurement cost
Additional interest rate: Differentially applied according to the bank's internal rating, etc.
*Things to think: 5.90% to 18.48% per year (differentially applied according to internal standards)
* Hope Loan: 9.99% ~ 18.48% per year (differentially applied according to internal standards)
*New Plan Loan III: 5.90% ~ 19.50% per annum (differentially applied according to internal standards)
- Overdue interest rate: contract interest rate + 3.0% (within 20% max)
Not exceeding the statutory interest rate, including interest rates and fees
- Interest payment period: after every month (automatic debit possible)
- Principal and interest repayment method: Choose between equal repayment of principal and interest or lump-sum repayment at maturity
- Early repayment condition (fee): loan amount repaid before the due date X 1% X (remaining days of loan / loan period)
- stamp duty
*Consideration Loan/New Plan Loan III: 70,000 won when exceeding 50 million won (customer pays 50%)
- Notice
Please check the product description and terms and conditions before signing the contract.
You have the right to receive a full explanation of the product in advance, and after understanding the
Please trade.
Excessive borrowing can cause your personal credit score to drop.
A decrease in personal credit score may result in restrictions or disadvantages in financial transactions.
In case of delinquency, obligation to repay principal and interest before the expiration of the contract period may occur.
Loan availability is determined according to the savings bank screening criteria and customer credit rating.
The loan interest rate may change according to changes in the base rate.
If there is a change in personal information at the time of extension, part or all of the loan
may be recovered.
If the repayment of the loan or interest payment is delayed, arrears interest rates apply and deposits, etc.
You may suffer property disadvantages due to offsetting with other claims or legal procedures.
there is.
For more information, contact the Customer Service Center (TEL. 1877-9900) or
Be sure to refer to the product manual.

Korea Savings Bank Compliance Officer Shim Eui-pil No. 2021-95
Korea Savings Bank Compliance Officer Sim Eui-pil 2022-7 (2022.02.07~2023.02.06)