Download 웰컴디지털뱅크(웰컴저축은행) APK free

Essential apps for a different digital mass financial life
Welcome Savings Bank launches a new Welcome Digital Bank app.

NO.1 Digital Banking Savings Bank!
1st in cumulative app downloads in the savings bank sector (as of December 31, 2020)
1st in accumulated number of app users in the savings bank sector (as of December 31, 2020)
※ Based on App Annie

[Service provided by Welcome Savings Bank]
My financial assistant service: Provide customized information for each user (product recommendation, asset status, financial activities, etc.)
Non-face-to-face account opening service: Open a welcome deposit and withdrawal free account through non-face-to-face real-name verification (procedures vary by product)
Convenience of transfer services: Easy and fast transfers such as direct transfer, account drawer, and Dutch Pay!
Financial product mall: Provides various financial products such as simple loans for office workers and up to 6% per annum Well-Bang Healthy Savings
Lifestyle services: Free credit management, other institution account inquiry, car price inquiry, financial services in life such as gift giving at once!
Open Banking: Inquire, transfer, and bring the balance of all banks with Wellbang!
Kona Card: Instant discount at benefit merchants (up to 15% discount at Coffee Bean, CU)

[Welcome Savings Bank Digital Authentication Service]
Simple remittance of up to 3 million won in 6 digits without a joint certificate or security medium
Simple login with your own pattern and fingerprint authentication
Digital banking service available without going to a branch

[Welcome Savings Bank Auto Loan]
Product name: Welcome medium interest loan (automatic)/emergency loan/automobile collateral loan

Eligibility: general public who can prove income over the age of 20 / general public who owns a vehicle under his/her name
(NICE personal credit score of 300 or more)
Loan period: 6 months to 5 years (6 months unit contract, different by product)
Loan interest rate: within 5.9% to 19.9% ​​per annum (differentially applied according to credit score and income)
Loan limit: Minimum 3 million won to maximum 100 million won (Differential application according to credit score and income)
Repayment method: lump-sum repayment, equal installment repayment of principal and interest
* Emergency Loan: You can deposit and withdraw money at any time within the loan limit during the loan period, and pay interest according to the monthly usage limit (if the maturity date is not extended, both the loan principal and interest are repaid)
Interest payment method: after every month
Fees: handling fee - none, extension fee - none
Early repayment fee: within 1.9% of welcome medium interest loan (automatic)/emergency loan, within 2.0% of auto-secured loan (exempted for transactions over 3 years from the date of loan handling, it varies by product)
Required documents: proof of income, identification
Application channel: website, mobile
Overdue interest rate: Loan interest rate +3% or less (up to 19.9% ​​per annum)
Stamp tax: Differential charge for each loan amount in excess of KRW 50 million
Use of funds: household funds, business operation funds

Example Total Loan Cost: An example loan total cost (welcome medium interest loan (automatic)) is as follows.
5.9% interest for 12 months on 1 million won, total repayment amount 1,059,154 won when lump-sum repayment is applied
Total repayment amount of KRW 1,032,562 when applying 5.9% interest and equal amortization of principal and interest over a 12-month period of KRW 1 million

Note: When applying for an automatic loan through the Welcome Digital Bank app, mobile phone identity verification is performed, and if it is not a mobile phone in ‘your name’, it is impossible to proceed to the next step.
Depending on our review criteria and customer credit rating, there may be differences in loan availability, limit, and interest rate.
Please check the product description and terms and conditions before signing the contract.
You have the right to receive a full description of the product in advance, and please understand the description before trading.
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 pay principal and interest before the completion of the contract period may occur.
※ Interest rates are subject to change, so be sure to check the website or app.

[Welcome Employee Love Ordinary Deposit]
Membership Requirements: Real-name individuals over the age of 19
Interest payment method: Payment is made on the next business day after settlement on the business day immediately preceding the Saturday of the third week of every month (based on Saturday)
Base rate: 0.5% per annum + preferential interest rate up to 1.5% per annum
Conditions: 1. 0.5% per year is added if there is a salary transfer of over 1 million won
2. If there is one or more CMS or Giro automatic payments, 0.5% per year is added
3. If you agree to the collection and use of personal information and maintain the membership agreement, an additional 0.5% per annum
When the deposit balance exceeds 10 million won, the preferential rate of condition 1 and condition 2 is not applied to the amount exceeding 10 million won (condition 3 only)
The preferential rate is applied to the interest calculation period (from the 1st to the last day) of the month following the month in which the conditions are satisfied, and the same applies to new cases.

[Welcome non-face-to-face ordinary deposit]
Membership Requirements: Real-name individuals over the age of 19
Interest payment method: Payment is made on the next business day after settlement on the business day immediately preceding the Saturday of the third week of every month (based on Saturday)
Interest rate information: 1.3% per annum for less than 30 million won, 0.5% per annum for more than 30 million won
Detailed conditions for interest rate application: The interest rate of the deposit is applied differently for each section for the final daily deposit balance / The section and interest rates announced on the branch and website at the time of subscription are applied to the deposit balance section and the applicable interest rate for the section / The deposit balance section and the section If the applicable interest rate is changed, the section and interest rate announced on the branch and website will be applied from the date of change.

[Wellbang Safe Savings]
Eligibility: Individuals over the age of 19 with a real name
This deposit is a non-face-to-face exclusive product and can be signed up with the Welcome Digital Bank app or Internet banking.
Limited to one account per person.
Subscription amount: The same amount between 10,000 won and 300,000 won per month
Contract period: The contract period for this deposit is 12 months.
Interest payment: Payment at maturity. Base rate: 2.0% per annum + Preferential interest rate up to 4.0% per annum
Preferential interest rate conditions: 1) When signing up for this savings account within 30 days from the date of the first deposit opened with the bank (1.0%p per annum)
2) Preferential treatment according to the credit score of the inquired account holder at the time of joining the savings account Less than or equal to 1 point: 3.0%p per year)
In order to check whether the preferential interest rate is applied by credit score, consent is required to view personal (credit) information when signing up for a savings account. If you do not agree, Condition 2 preferential rate cannot be applied.
Condition 2 preferential rate is added only if the credit score inquired through NICE rating information at the time of deposit subscription is 850 or less.
Condition 2 preferential rate is determined based on the credit score inquired at the time of subscription for installment savings, and even if the credit score changes during the term of the installment savings contract, the preferential rate of Condition 2 confirmed at the time of subscription does not change.

[Welcome first transaction preferential fixed deposit]
Subscription target: individual customers
Subscription amount: The same amount between 10,000 won and 300,000 won per month
Contract period: 12 months
Membership Conditions: Within 30 days from the date of first deposit
Interest payment: payment at maturity
Basic interest rate: 3.2% per annum + preferential interest rate up to 1.0% per annum
Preferential interest rate conditions: Applicable when paying by direct debit through our bank account for more than 8 times. Direct debit is limited to results deposited within the contract period, and the first payment is excluded from the performance recognition criteria.

※Common Note: Welcome employee love ordinary deposit & welcome non-face-to-face ordinary deposit & well-bang solid savings & welcome first transaction preferential fixed deposit
This deposit is protected by the Korea Deposit Insurance Corporation in accordance with the Depositor Protection Act, but the limit of protection is “maximum KRW 50 million” per person, including the principal and predetermined interest of all of your financial products subject to deposit protection in this mutual savings bank, and 50 million won. The remaining amount in excess of this is not protected.
Please check the product description and terms and conditions before signing the contract. You have the right to receive a full description of the product in advance, and please understand the description before trading.
※ Interest rates are subject to change, so be sure to check the website or app.

[Welcome Savings Bank Customer Center]
Loan inquiry: 1661-0001 (weekdays 9:00-18:00)
Business Loan Inquiries: 1661-9300 (9~18:00 on weekdays)
Electronic banking, deposit inquiries: 1661-9400 (9~18:00 on weekdays)

[Guide to the right and purpose of using the Wellbang App]
Required access rights
-Storage space: Stores public certificates with file access rights and is used to check whether OS is tampered with to enhance security
-Phone: Used for telephone connection and PUSH environment settings with phone calls and management rights
optional access
- Address Book: Required to use contact information for easy transfer
- Camera: Required for ID photo shoot and document submission
- Calendar: Required to use financial calendar export

Welcome Savings Bank Compliance Officer Shim Eui-pil No. 1923 (2021.07.08 ~ 2022.07.07)
The Korea Savings Bank Federation, No. 2021-00739 Shim Eui-pil (May 28, 2021)