In this way, we compared the savings bank parking book recommendations and interest rates for each product. Interest rates change frequently, and special rates are sometimes applied during events.
1. what is a parking lot
A parking passbook is not an official term, but it is a free deposit and withdrawal passbook that gives a little more interest than a time deposit even if you deposit money in a bank for a short time as if parking for a while. 사이다뱅크 파킹통장
In my case, I have extra money, but it is burdensome to make a term deposit for more than one year, and when there is a place to use it, I can deposit and withdraw money directly without the hassle of canceling it, so I used the parking passbook. Also, the most attractive point is that the interest you can receive per month is higher than when you put it into a regular term deposit.
2. Review of Cider Bank parking passbook
I started using Cider Bank’s parking passbook in April of last year. At that time, I was able to receive interest of 2% per annum, but now the interest rate has been lowered to 1.3% per annum. 이베이스매뉴얼
Now, when you put in about 2 million won, it comes in a little less than 1800 won. Still, it comes in a lot more than regular deposits. The remaining balance at the end of the month is deposited on the 1st of each month. So, at the end of the month, all the remaining balance in the other account is put in cider, and when interest is received, it is divided into another account. It is very good because the transfer fee is free without any other performance. The app is also quite easy to use.
I thought it would be a little risky because Cider Bank is the second financial sector of mutual savings banks, but I trusted this deposit because it protects depositors up to 50 million won per person.
When creating this passbook, you can also make a PAY back check card without an annual fee, but without any special performance, within the limit of 10,000 won per month.
0.2% cashback discount at all domestic merchants
11st, Gmarket, Auction, Coupang, AK Mall, Lotte Mart Mall, SSG.COM online payment 1.0% cashback
2.0% cashback when paying with Naver Pay, Kakao Pay, or Payco
There is a benefit of exempting ATM and CD machine fees, so this card is also used occasionally for internet shopping.
Cashback is paid on the 15th of the following month (or the following business day if it is a holiday) for payments approved from the 1st to the last day of each month.
As the stock craze is blowing these days, many financial products such as safe boxes and parking accounts are coming out to use for stockpiling stock deposits. The maximum interest rate, performance, and depositor protection amount of each bank are different, so you should compare them carefully.
I am using the cider bank quite satisfactorily now, and if the interest rate was 2% as when I first used it, I would have used it without any complaints, but now that the interest rate has been lowered twice or so, I feel a bit regretful. I’ll keep checking to see what products are coming out, and if there’s another good one, I’ll try to use it.
Decide on a topic for your blog
I’ve been thinking a lot these days if I should run it.
Then I don’t think I can even start
Write what you want to write
It is a restriction on opening a new deposit and withdrawal account
As soon as the 20-day period ends
Toss Bank’s 2% interest in a parking passbook
Review of saving money for a month
parking box? what is that
If you ask
Money accumulated for no purpose,
In short, it is a waste to keep it in the bank account.
However, it is an aggressive investment.
There can be scary money
It’s good to put it in the parking bin
(Parking passbook = money to park for a while)
What should I say it feels like
A typical bank account
Convenience but few interest rates
It’s been up a bit these days, but still .. none
Deposits have a higher interest rate than that
Because I want to withdraw
If you withdraw money, you will not receive the benefit.
means less convenience
However, the parking passbook is always
Deposits and withdrawals available at any time
As mentioned above, because it is a passbook
The shortcomings of the two bankbooks can be compensated
*Of course, depositor protection is up to KRW 50 million
Please note that this is possible
For example, a person who needs a constant cash flow,
In my case, when I subscribe to the public offering
I need cash
put it in the parking lot for a while
It’s easy to take out
…yep ^_^
Anyway, so am I from 2019?
Using the parking passbook of Cider Bank
I put little money in it.
As interest rates go down, this
I didn’t feel the need to use it.
Then I found out Toss Bank’s parking passbook.
Can you earn 2% interest per year?
It was just the strongest among the parking passbooks on the market;
Toss Bank = 2% interest per annum without conditions
Pay interest in just one day
Interest is paid the third week of each month
It used to be, but now it’s on a daily basis
changed to earn interest
Unfortunately, even if the original amount exceeds 100 million
I paid 2% interest per year, starting in January of this year
If it exceeds 100 million won, the interest rate is reduced to 0.1%.
(Like Cider Bank..? ㅡㅡ)
Of course, depositor protection is limited to 50 million won.
I also don’t have 100 million, so
It doesn’t matter, but it’s just a shame
ㅠㅠ But if you know what other people do
Because I am a jerk who tries everything in finance.
Opened K-Bank for Bitcoin
After that, he said that he would subscribe to Ensol, kb Securities.
Opened and waited…waited
After waiting so long
Successfully opened a Toss Bank parking passbook!
It’s been a little over a month since I made it.
Like a thumbnail, one share of stock is free
Received an amount of interest
At first, interest accrues day by day
It was also fun to watch.
(Like when stocks first started)
Time passes too
That fun has also withered.
However, in a savings account with a low interest rate
Rather than putting it in, every day
Toss Bank, which pays interest
I think it’s better to use a parking passbook
(Of course, Kebake, subjectivism)
* Depositor protection up to KRW 50 million
I’ve been using it for a month and so far
Than Tosbank, which gives 2% interest
I don’t think there is a parking passbook with good conditions.
Please leave a review saying that you will continue to use it in the future.