GO BANK(고려저축은행)

Features GO BANK(고려저축은행)

App informationKorea Savings Bank GO BANK (Go Bank) is a new deposit/loan integrated app service introduced by Korea Savings Bank.This is an app service that allows customers to sign up for various financial products (deposits/loans) conveniently and safely.You can conveniently sign up for a deposit/savings account without visiting the bank, and use it conveniently from loan applications to money transfers.[Koryo Savings Bank 『GO BANK』 Main Services]1.
Banking service① Inquiry (All account inquiry / Transaction history inquiry / Savings payment date change / Maturity automatic re-deposit / Deposit deposit)②Transfer (immediate transfer / automatic transfer (other bank/local bank/CMS) / scheduled transfer / delayed transfer)③Banking management (transfer limit inquiry/reduction/transfer limit increase/delayed transfer service registration/termination/account password change and error resolution, etc.)④Accident report (bankbook, seal, security card, OTP, cash card accident report and OTP accident recovery)⑤ Non-face-to-face savings account opening (application / account opening application details inquiry/cancellation)2.
Loan service①Loan application (automatic loan application / general loan application / collateral loan application)②Loan limit inquiry③Check loan progress status④ Check deposit collateral loan results⑤ Loan account inquiry (all account inquiry / transaction history inquiry / loan cancellation account inquiry)⑥Loan repayment inquiry/payment (interest payment amount inquiry/repayment scheduled amount inquiry/interest (principal) immediate withdrawal request/principal repayment/limit cancellation/deposit-secured loan offset)⑦Loan repayment schedule inquiry (maturity status / repayment schedule (interest payment due date)⑧Right to request interest rate reduction (application/history inquiry)⑨Loan withdrawal (application/inquiry/cancellation)3.
Apply for deposit and loan products①Deposit product②Loan products4.
Requirements for loan processing①Online document submission②Write an electronic contract③Consent to credit inquiry and write suitability5.
Customer Center①Notice②Help③ Electronic civil service application④Online counseling center⑤Right to request interest rate reduction⑥Sales information⑦User precautions⑧Usage information (Usage time information / Counselor connection)⑨Terms of Use/Privacy Policy (Terms of Use/Electronic Finance Terms of Use/Personal Information Processing Policy)⑩ Application for issuance of various certificates (deposit balance certificate / debt balance certificate / financial transaction confirmation / withholding tax receipt / non-face-to-face application)⑪Right to terminate illegal contract6.
User information management①Check/change user information②Change user password③Lost/re-registered user password④Reset user password error 5 times⑤Register your first user password⑥Long-term non-connection cancellation7.
Certification Center①Joint certificate information②Copy joint certificate (PC → Smartphone copy / Smartphone → PC copy)③Joint certificate management (joint certificate registration from other organizations / cancellation of joint certificates from other organizations / joint certificate management)8.
Security Center①Electronic financial fraud prevention service②Simple password authentication management (registration/re-registration/cancellation)③Pattern authentication management (registration/re-registration/cancellation)④Fingerprint authentication management (registration/re-registration/cancellation)⑤Face ID authentication management (registration/re-registration/cancellation)⑥mOTP management (setting/resetting/cancellation)⑦OTP correction⑧Other organization OTP management (registration/change)⑨Terminal designation service (subscription/inquiry/cancellation)⑩Additional authentication service (subscription/change)⑪Authentication exception service9.
App version[Korea Savings Bank Customer Center]Customer Support Team: 1877-9900 (Weekdays 09:00 ~ 18:00)[App permission and purpose information]1.
Storage space [required]: Save joint certificate, use temporary storage space2.
Camera [required]: Take an ID card for non-face-to-face real name verification3.
Photo [Required]: Use a photo stored in the device to verify identity.4.
Phone [required]: Used to collect mobile phone device information5.
Location [Required]: Search for branch location6.
SMS [Required]: Sending information such as transfer resultsItems for investigation of credit disorderly conduct (prevention of voice phishing damage for customers using Koryo Savings Bank App through detection of malicious apps): Malicious App detection information, diagnostic information on detected malicious Apps[Koryo Savings Bank Loan Product]Product Name: New Planon III- Loan target: Salary earners and housewives over the age of 20 with proof of income (excluding defaulters, excessive debtors, and those who have not served in the military)NICE, KCB personal credit score of 500 points or higher- Loan limit Minimum 3 million won ~ Maximum 100 million won- Loan period: 12 to 96 months with equal installment of principal and interest- Loan interest rate Loan interest rate = base interest rate (procurement interest rate) + additional interest rate Base interest rate: procurement cost Additional interest rate: Differentially applied depending on the bank’s internal rating, etc.
*New Plan Loan III: 5.90% ~ 18.78% per annum (differentially applied according to internal standards)- Default interest rate: Contracted interest rate + 3.0% (up to 20%) Do not exceed the statutory interest rate, including interest rates and fees.- Interest charging period: Monthly installment (automatic transfer possible)- Method of repayment of principal and interest: Repayment of principal and interest in equal installments- Early repayment conditions (fee): Loan amount repaid before the due date- stamp duty * KRW 70,000 if exceeding KRW 50 million (50% borne by customer)- Notice Please check the product description and terms and conditions before signing the contract.
You have the right to receive a sufficient prior explanation of the product, and after understanding the explanation, Please do business.
Excessive borrowing can cause your personal credit score to decline.
A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
In case of late payment, you may be required to repay the principal and interest before the expiration of the contract period.
Loan is determined based on savings bank screening standards and customer credit rating.
Loan interest rates may change depending on changes in the base interest rate.
If there is a change in personal information at the time of extension of the period, part or all of the loan amount will be refunded.
It may be recalled.
If repayment of the loan or interest payment is delayed, a delinquent interest rate will be applied and deposits, etc.
You may suffer financial disadvantages due to offset against other claims or legal procedures.
there is.
For further information, please contact the Customer Service Center (TEL.
1877-9900).
Please be sure to refer to the product description.Reviewed by Korea Savings Bank Compliance Officer No.
2023-105 (2023.10.12.~2024.10.11.)Reviewed by the Korea Federation of Savings Banks 2023-01204 (2023.10.24.~2024.10.23.)