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[이데일리 이진철 기자] As the volatility of the financial environment increases due to Corona 19, dollar financial products, a safe asset, are attracting attention. Foreign currency time deposits, which allow commercial banks to obtain interest and foreign exchange gains at the same time for foreign exchange customers, attract attention.
Increase in personal foreign currency deposits, expect foreign exchange gains if the value of won rises
For foreign currency deposits, if you buy dollars and the value of the won rises, you get a foreign exchange gain. In Corona 19 in the second half of last year, as the won-dollar exchange rate fell, there was a clear pattern of deposits in foreign currencies. Looking at the bank of Korea’s monthly foreign currency deposit balance of residents last year, personal foreign currency deposits rose steadily from $16.90 billion in September to $17.8 billion at the end of December.
This year, the won-dollar exchange rate has been fluctuating around 1,100 won. Although the won is under pressure from foreigners’ net selling in the domestic stock market, experts analyze that the won’s strong pressure is somewhat dominant due to the recovery of the domestic export economy, the current account surplus, and the yuan appreciation.
Foreign currency deposits recently launched by banks can be freely paid in small amounts to disperse exchange rate risks, and it is possible to manage assets through the exchange rate notification function at the preferential interest rate.
Automatic cancellation of foreign exchange gains… Small amount free payment and partial withdrawal products
KB TWO Tech’s Foreign Currency Term Deposit, launched this month by KB Kookmin Bank, is the first commercial bank to provide a customer-designated exchange rate automatic termination service. When signing up for a product, the customer designates the desired exchange rate, and if the exchange rate initially announced by the bank is higher than the rate specified by the customer, it is automatically canceled and deposited into the customer’s account. In addition, you can receive interest according to the subscription period and renewal period upon automatic termination.
KB Kookmin Bank will hold an event for new subscribers until the end of March to commemorate the launch of this new product. During the event period, a 90% exchange rate advantage will be provided to new customers, and 10,000 points will be awarded to a total of 1,000 people through a lottery.
Hana Bank’s’One Dollar Foreign Currency Savings’ launched in September last year can start with a small amount, and even asset management with automatic transfer and exchange rate notification functions. You can start with a minimum of $1, and with a subscription period of 6 months, you can pay up to $1000 per month without any limit. You can also withdraw in installments up to 5 times. Even one month after signing up, you can find dollar bills right away without cash fees. Asset management is also possible with an exchange rate notification function that informs the exchange rate specified by the subscriber.
Subscription can be opened with one account per person only. The interest rate is based on the published interest rate. Hana Bank will provide an additional 0.1% annual event interest rate if you sign up for the’One Dollar Foreign Currency Savings’ by March 2nd.
An official of Hana Bank said, “There is a constant demand for currency exchange, but there are areas that are unfamiliar with foreign exchange. You can easily start saving foreign currency savings from a small amount rather than putting in a large amount at once.”
Non-face-to-face subscription, saving dollars aimed at post corona
NH Nonghyup Bank’s’NH Main Transactions Preferential Foreign Currency Deposit’ provides cross-preferential interest rates when signing up for KRW/foreign currency package products. Customers who have already subscribed to the’NH Main Transaction Preferential Savings (KRW)’ can receive a 0.1% preferential interest rate when they sign up for the’NH Main Transaction Preferential Foreign Currency Savings Deposit’, and if they subscribe to both products at the same time, they can each receive a 0.1% preferential interest rate. A 0.05% preferential interest rate is provided to youth customers under the age of 34 and registered customers with direct debit.
This product can be subscribed to through branch offices, internet banking and smart banking, and is a foreign currency deposit product that can be freely deposited over $10. The subscription period is a single 12 months and the subscription currency is US dollars.
An official of Hana Bank said, “Recently selling foreign currency savings has the advantage of being able to sign up for non-face-to-face easily for a small amount.” I am dragging.”
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