OK
Wow! OK Savings Bank App Reborn! Experience special customer services with the new OK Savings Bank App.

"Easy and fast access, 24/7, anywhere, anytime. Log in conveniently with a simple password, pattern, or fingerprint to enjoy OK Savings Bank!"

■OK Savings Bank Mobile App Services
1. Savings/Deposit
- Non-face-to-face Account Opening: Open a deposit/withdrawal account without visiting a branch.
- Account Inquiry: Check your account anytime, anywhere with simple authentication.
- Instant Transfer: Transfer up to 10 million won with simple authentication.
- KakaoTalk Transfer: Send money instantly to friends via KakaoTalk.
- ATM Withdrawal: Withdraw money from any ATM with simple authentication.
- Products Offered: You can sign up for savings accounts to build a lump sum of spare cash, savings accounts to build a seed fund, and flexible deposits with early termination at any time.

2. Loans
- Credit Loans: Apply and remit money online, all in one place.
- Auto Loans: If you own a car, you can apply for a loan of up to KRW 100 million.
- Home Loans: If you own a home, you can apply for a loan of up to 95% of its market value.
- Saitdol Loans: Government-guaranteed products offer high limits and mid-interest rates.
- Additional/Re-loans: Existing customers who need more loans can apply.

3. My Account Inquiry/Management
- Account Inquiry: You can view and manage your savings, deposit, and loan accounts.
- Certificate Issuance: You can request certificates for deposits and loans.
- Transfers: You can use transfer services such as instant transfers, automatic transfers, scheduled transfers, and delayed transfers.
- Immediate Repayment: You can repay your loan using a certificate or ARS.
- Electronic Contracts: You can sign contracts using a certificate without visiting a branch.

4. Exclusive OK Membership Benefits
- Membership Benefits: After signing up for membership, you can repay your loan with points accumulated based on your loan transaction status.
- OK Games: Earn game points by participating in "Roulette" and "Protect the Carrot Star."
- Events: Enjoy unique benefits exclusively for membership customers.

5. Market Price Inquiry Service
- Check Your Car Price: Check your car's market price by taking a photo of your license plate number.

6. Customer Center
- Ask anything through OKiTalk chat, 24/7. - Call Center Main Number: 1899-7979
- Credit Loan Main Number: 1800-8282

■Access Permissions
1. Required Access Permissions
- Storage: Application execution, coupon and transfer confirmation storage, image storage
- Phone: Consultation connection and device authentication
- Notifications: Warnings and icon badges
- Installed app information: This is used to identify (collect/use) potentially dangerous apps installed on smartphones to prevent voice phishing scams.

2. Optional Access Permissions
- Camera: ID photo capture and vehicle price check
- Push: Push notifications for instant transfers and other services
※ You can still use OK Savings Bank services even if you do not allow optional permissions, but some services may be restricted.

■Notes
※ If updates fail, please delete and reinstall the OK Savings Bank app.
※ This app is not available on modified (rooted) smartphones or tablets.
※ Data charges may apply for 3G and LTE devices exceeding your flat-rate plan.

■ Loan Product Information
Credit Loan Interest Rate: 5.9% ~ 19.99% p.a. (Fixed, as of May 1, 2025 / Calculation Standard: Varies depending on customer's credit score, etc.)
Credit Loan Default Interest Rate: Contracted Interest Rate + 3% p.a. (Up to 19.99% p.a.)
Loan Eligibility: Applicants aged 20 or older with proof of income and a NICE credit score of 351 or higher (may be rejected based on our screening criteria) Loan Limit: Minimum KRW 100,000 ~ Maximum KRW 100 million
Interest Charge Period: Monthly in arrears
Repayment Method: Lump sum at maturity, equal principal and interest, equal principal, etc., varies depending on the product
Repayment Period: Minimum 12 months ~ Maximum 120 months
Fees and Incidental Costs: Stamp duty varies depending on the loan amount, with the customer and savings bank each sharing 50%. Up to 50 million won: Tax-free; Over 50 million won to 100 million won: 70,000 won (35,000 won each)
Early repayment fee:
Early repayment loan amount × Early repayment fee rate (1.0%) × (Remaining loan term ÷ Loan term)
* Exemption criteria: After 3 years from the loan application date or if the remaining loan term is less than 1 month

*You have the right to receive a thorough explanation of the product in advance. Please understand the explanation before making a transaction.
*Please review the product description and terms and conditions before concluding a contract.
*Excessive borrowing may lower your credit rating or personal credit score.
*A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions.
*Delinquent repayment may result in an obligation to repay the principal and interest before the contract term expires.
*OK Savings Bank offers a variety of credit loan products.
*Transaction conditions, such as loan eligibility, loan limit, and loan interest rate, may vary depending on the product and inflow channel. For more information about the product, please visit our website.
*Applications are available 24 hours a day, 365 days a year (except during special circumstances such as system maintenance at our bank).

Korea Savings Banks Association Review No. 2022-00775 (valid from June 15, 2022, to June 14, 2023)
OK Savings Bank Compliance Officer Review No. 2026-038 (valid from January 23, 2026, to January 22, 2027)