’70 billion won in 7 days’ Gangnam grandson also joined… What is the savings and parking passbook?

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Even if you put it in just one day, it provides a basic interest rate of 1.6% per year. Savings bank parking passbooks that offer such interest rates amid low interest rates are popular.

In the meantime, the savings bank industry has been releasing parking passbooks mainly for deposits and withdrawals (ordinary deposits), but this time it is gaining popularity by combining it with time deposits.

A parking passbook is a product that allows you to earn more interest than a regular passbook even if you leave money for a short time, literally, like you park for a while.

As these days, when there is a lot of liquid money to invest in stocks, etc., it is used for the purpose of leaving it for a while before investing, and it is getting word of mouth around Mom Cafe.

◆ 74.5 billion won in 7 days… Bang Bang Bang Parking Account 369 Term Deposit

On the 1st of this month, Sangsangin Savings Bank launched the Bang Bang Bank Parking Passbook 369 Term Deposit product, which can be signed up for 24 hours with the smartphone app’Bang Bang Bang’.

This product provides 1.6% of the basic interest rate per year even if it is a periodic deposit rather than a deposit withdrawal from time to time. Because of this, it is known that the big hands in Gangnam are also entrusting the money. An official of Sangsangin Savings Bank said, “Some customers have entrusted more than 1 billion won.”

The interest rate for this product increases as the deposit period is extended. For example, 1.6% per year for less than 3 months, but 1.7% per year for longer than 3 months. If the deposit period is extended further, an annual interest rate of 1.8% for 6 months or longer and 1.9% for 9 months or longer is applied.

According to the Banking Federation, as of this day, the basic interest rate for period deposits of four major banks, including Woori, Shinhan, KB Kookmin, and Hana, is 0.4 to 0.55% per year based on the deposit period of 6 months. high.

Thanks to the popularity of the product, Sangsangin Savings Bank is also considering a plan to give a higher interest rate by creating a section for a deposit period of 12 months or longer.

Even though it is a term deposit product, the product paid 50 billion won in 5 days and 74.5 billion won in 7 days by paying higher interest rates compared to the short deposit period. Here, unlike commercial bank products, there is no limit on the maximum deposit amount to receive the contracted interest rate, so you can use any amount of extra funds.

There is another term deposit product that pays the original contracted normal interest even if it is canceled through the concept of a parking passbook. SBI Savings Bank’s mobile platform “Cider Bank”’s “Compound Term Deposit” pays an annual interest rate of 1.9% (monthly compound rate) for 12 months.

In particular, there is an additional payment function of up to 50% of the subscription amount, so it can be used when extra funds are generated, and normal interest is paid even in case of intermediate termination. If the interest rate rises after signing up for a product, an interest rate compensation system is operated that compensates up to 50% of the rate increase. The deposit amount for this product is from 100,000 won and there is no limit.

As such products with the concept of parking accounts become more popular, the competition for attracting deposits in the savings bank industry is expected to intensify.

◆ Mom Café’s original parking passbook SBI Savings 銀’Sida Bank’

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Cider Bank of SBI Savings Bank, the number one savings bank in the industry, which was once a parking account at Mom Cafe, still offers higher interest rates than commercial banks. It is an occasional deposit and withdrawal passbook that you can use whenever you need it.

Cider Bank pays an annual interest rate of 1.3% for just one day, and there is no limit on deposit amount. In addition, if you register a Cider Bank account at Naver Pay, you can use simple payment, remittance, and Naver Pay point recharge services, so it is highly scalable. Thanks to these benefits, the balance of Cider Bank as of the end of December last year exceeded 2 trillion won.

The’OK Jackpot Bankbook,’ which is the second-largest OK Savings Bank in the industry, is also popular. OK Savings Bank gives an annual interest rate of 1.5% on deposits of 3 billion won or less.

As parking bankbooks have ended in popularity, other savings banks are also offering related products.

On the 8th, Pepper Savings Bank launched the’Peperlulu Parking Passbook’, a product exclusively for non-face-to-face channels that provides an annual interest rate of up to 2% even if only one day is left. Pepperulo Parking Passbook is a product launched in commemoration of the recent relocation of the Pepper Savings Bank headquarters and headquarters building.

Pepperullu Parking Passbook, a compound word of Pepper Savings Bank’s’Pepper’ and’Lulu’, which means excellent product, provides an annual interest rate of 2% up to 3 million won or less, and 1.5% annually over that. The maximum subscription amount is 200 million won.

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