[단독] Even without shopping, 3% interest per year… Change the terms of Naver Passbook

Customers who subscribe to the Naver Passbook provided by Naver Financial will be able to receive an annual interest rate of 3% from April, regardless of their shopping use. Previously, only when the amount paid by Naver Pay was 100,000 won or more, it was possible to receive a high interest rate of 3% per year.

According to the financial sector on the 24th, Naver Financial notified customers of a notice containing such information. In this announcement, it was announced that the same rate of return will be applied regardless of the Naver Pay payment performance for a temporary period from April to June. Naver Bankbook is a comprehensive asset management account (CMA) account created by Naver Financial in partnership with Mirae Asset Daewoo.

Naver Passbook is evaluated as difficult for users to use because it can receive benefits according to the purchase performance of Naver Pay. Previously, differential grades and yields were applied according to the Naver Pay payment performance in the previous month. If the amount paid by Naver Pay in the previous month was more than 100,000 won, the gold grade was applied, and if it was less than the silver grade, it was applied. Gold grades received an annual interest rate of 3% up to KRW 1 million, but silver grades were able to receive an annual interest rate of 1%. After the change, the same rate of return will be applied regardless of the Naver Pay payment performance in the previous month.

The reason Naver Financial is changing the benefits of Naver Bankbook is due to poor earnings. Naver Passbook attracted attention at the time of its launch last year, but there were not as many subscribers as expected, with only 270,000 registered customers in the first month. Kakao Pay’s securities account, which was a similar product, exceeded 1 million accounts in two and a half months after it was launched last year.

[한상헌 기자]
[ⓒ 매일경제 & mk.co.kr, 무단전재 및 재배포 금지]