With the end of the fandom money caused by the corona virus and concerns about inflation growing, the low interest rate trend in earnest has come to an end. So, we are in a situation where we are planning to raise interest rates around the world, and it seems that the popularity of high-interest products is increasing as a way to protect the cash I have. Among these products, the Toss Bank parking passbook, where deposits and withdrawals are free and interest is calculated every day, is emerging.
Since I am a stock investor, of course I do not prefer savings products that are tied to cash, so I recently opened a Toss Banking parking account. To summarize the advantages of these Toss Bank parking passbooks simply, you can think of them as a general bank passbook + a free deposit and withdrawal passbook with 2% interest. So, if you have money that you are not investing in, that is, money that is sleeping in your bank account, you can get 2% interest free of charge if you transfer it to the Toss Banking parking passbook. 토스뱅크 체크카드 혜택
So, I moved all the money from Kakao Bank + Kookmin Bank, which I was also using as my main bank, to the Toss Bank parking passbook opened this time, and even issued a Toss Banking check card. First of all, since it is a debit card with no annual fee, there was no burden in issuing it, and the benefits of the debit card compared to other commercial banks were excellent, so I issued it while opening a parking account. These card benefits will be written together in the main text.
index
1. Toss Bank parking passbook and check card benefits information 이베이스매뉴얼
2. How to open a Toss Bank parking account
3. How to issue Toss Bank check card
Toss Bank parking passbook and check card benefits
What is Toss Bank parking passbook?
The Toss Bank parking passbook is a free deposit and withdrawal passbook that pays 2% interest per year up to 100 million won and 0.1% interest on amounts over 100 million won.
Interest Payment Date: 3rd Saturday of every month
Based on the amount of interest applied: the sum of the bankbook amount and the accumulated balance
What is Toss Bank Check Card?
Toss Bank Check Card is a card with OTP function that is used by connecting to a parking passbook.
To summarize the current benefits, you can get cashback of 300 won each at convenience stores/coffee/fast food/taxi and 100 won each if you take public transportation. In addition, you can receive benefits of up to KRW 40,300 per month in 5 areas once a day. However, for domestic benefits, only purchases of KRW 3,000 or more are eligible for cash back, and public transportation receives cash back on payments of KRW 300 or more.
(Convenience stores are CU, GS25 / Coffee shops are Starbucks, Ediya, A Twosome Place, Coffee Bean, Full Basset, Blue Bottle, Holly’s, Angel-in-us, Pascucci. Tom N Toms / Fast food restaurants are Burger King, Mom’s Touch, McDonald’s. , Shake Shack, Lotteria / For taxi, regular taxi payment on-site, Kakao Taxi, Tada, UT, Macaron / Public transportation: Bus, subway with a transportation card)
Up to 300 won per day when used in 5 areas
Cashback up to KRW 40,300 per month
Unlimited 3% cashback on all overseas payments
How to open a Toss Bank parking account
1. Run the Toss app on your smartphone.
2. Log in and click the All button.
3. Press Toss Bank.
4. Click Next on the Parking Account Introduction page.
5. Check I agree to the full agreement and click OK.
6. Check my personal information.
7. Check my job and user.
8. Confirm the purpose of the transaction, the source of the funds, and whether there is an overseas tax.
9. Set the password to be used in the Toss Bank parking passbook.
10. Press the ID card photo button to take a picture of your ID.
11. Agree with Linked Account and click Auto-verify.
12. Select My Bankbook where you can check the details.
13. Click Get 1 Won into My Account.
14. Check the 3-digit number after the name of the depositor.
15. Enter a three-digit number and press OK.
16. Toss Bank parking passbook has been opened.
You can use the parking lot right after opening. Put all the money in your other linked bank accounts into your Toss Bank account and start investing with 2% pre-tax interest.
How to issue Toss Bank check card
After completing the opening of the Toss Bank parking account, you can proceed with the issuance of a check card directly on the next page.
1. On the Toss Bank card information page, click Next.
If you have already left the Toss Bank parking account opening page, you can proceed with issuance by clicking All > Toss Bank > Tour Toss Bank > View Toss Bank Card.
2. Select the toss check card design.
purple green
lemon blue
orange milk
night pink
purple green
3. Check my English first and last name.
4. Select whether or not to use the transportation card function and click Next.
5. I fully agree to the terms and conditions.
6. Set the password to be used on the Toss Bank check card.
7. Select the address to receive the card.
8. If there is a frequently used pay, it will be automatically connected.
9. Use or block overseas payment services.
10. Toss Bank check card was issued.
When the Toss Bank check card is sent, you can receive text message guidance. If I am absent from the address, a colleague or family member can receive it for me, even if it is not me.
Browse issued Toss Bank passbooks
When a Toss Bank passbook is created, the existing Toss Money money is automatically transferred and set to the account used mainly.
You can use the collect/borrow service in the Toss Bank parking passbook.
Collecting: storage / change collection / big money collection service available
Borrowing: You can check recommended loan products when you need large sums of money and cash
Now, if you look at the home screen in the Toss app, the Toss Bank passbook is displayed at the top of My Assets.
Toss is the financial platform I use the most, and I manage and use almost all of my assets from banks to stocks through Toss. So, in May, I opened a Toss Bank check card and it was being used quite usefully. This benefit will be applied only until June 30th this month as Episode 2, and new benefits will be applied as Episode 3 from July 1st. Then, let’s find out more about the Episode 3 benefits of Toss Bank Check Card!
Benefit 1 ★ Unlimited overseas spending 3% cashback
As in the last episode 2, if you make overseas payments through Toss Check Card, you can get 3% unlimited cashback. If it is an overseas mail that is affiliated with Mastercard, 3% of the payment amount is paid regardless of the number of times, and the amount is provided based on the exclusion of the 2% Mastercard fee and the overseas service fee ($0.5 per case). However, if you pay in KRW at Hotels, Agoda, etc., you may be classified as a domestic merchant and may not be eligible for cashback, so it is better to check in advance. Overseas travel is also resuming a lot these days, but I think it would be very nice to pay with Toss Card in a place where Master Card can be paid without having to spend cash even when going abroad!
Benefit 2 ★ Cashback up to 3,500 won daily in 7 areas
Cashback was also carried out in Episode 2, but the number of merchants and the amount that can be received have changed. First, movies and desserts were added to the existing coffee, convenience stores, taxis, fast food, and public transportations. However, the amount has been changed from 300 won for payments over 3,000 won to 100 won for payments under 10,000 won and 500 won for payments over 10,000 won.
Area Merchant Name
Movie CGV, Lotte Cinema, Megabox
Dessert Baskin Robbins, Dunkin Donuts
Convenience store CU, GS25
Coffee shop Starbucks, Ediya, Twosome, Coffee Bean, Blue Bottle, Holly’s, Angel-in-us, Pascucci, Tom N Toms
Fast food McDonald’s, Burger King, Lotteria, Mom’s Touch, Shake Shack
Taxi General taxi on-site payment, Kakao Taxi, Tada, UT, Macaron
Buses and subways using a public transportation deferred payment card
Benefit 3 ★ No need for credit card usage such as previous month’s performance!
In fact, most of the services that offer discounts or points provided by all credit and debit cards must meet the minimum usage record, such as 300,000 won or more in the previous month, to receive benefits the following month. However, Toss provides the same benefits to anyone who uses the Toss check card regardless of the usage record. In other words, it is very good to use a credit card at the same time! Of course, you can enjoy the benefits of the credit card you already have and use the Toss Check Card at merchants where you can get cash back and receive the benefits in duel.
Anyway, I’ve looked at the new benefits of episode 3 of the Toss Bank check card, which started on July 1st, and I’m still using it with satisfaction from episode 2. The frequency of using the Malone credit card is still higher, but overall, I thought it was well made. If you spend an average of 1 million won or more per month, like me, if you alternately use one credit card and one Toss Bank check card, it is good for year-end settlement and you will be able to receive the actual card benefits more effectively. Also, Toss Bank is still running the check card issuance fee for free (don’t know when it will close), so if you want it, it’s better to make it soon! Anyway, I hope there will be more cards like this in the future ><
Card making tips
If you go to [All > Cards > Create Credit/Debit Cards with Good Benefits] in the Toss app, you can check in detail what cards are popular and with good benefits these days. Also, if you make it through Toss, there are many additional benefits that you can get when you sign up for a new card, so if you are a beginner or want to know more about the card, it would be good to use this service.