Experience KB Savings Bank’s Kiwibank, which grows your assets and provides services.
Financial services such as deposits and withdrawals, deposits, savings, loans, cards, etc. are easy and convenient!
Enjoy a wealth of benefits, from kiwi membership that you can enjoy just by signing up to various events!

● Convenient and diverse financial services from kiwibank
• Explore various financial products, choose from them, and create a financial plan that’s right for you!
• Open an account quickly and easily anytime, anywhere as long as you have your ID, smartphone, and commercial bank account number.
• Register accounts at other financial institutions at kiwibank and freely use them for inquiries and transfer transactions.
• Receive daily interest through a parking account and enjoy the benefits of high interest rates.
• You can also check past history of more than one year. Conveniently check your transaction history without any viewing period restrictions.

● From loan inquiry to loan application anytime, anywhere!
• Easily check your loan limit 24 hours a day, 365 days a year!
• Check your loan limit and quickly apply for a loan non-face-to-face!

● No complicated services! Conveniently with simple authentication service!
• Sign up for banking easily without the hassle of entering your ID/PW, and use all banking services with just biometric authentication and a simple password (PIN).
• You can transfer up to 100 million won (once per day) to your designated account without complicated public certificates or security media.
• Immediate transfer is also quick and easy with biometric authentication and simple password!

● Don’t miss out on the various benefits of KB Savings Bank and KB Financial Group.
• Enjoy the various benefits of kiwi membership that can be enjoyed just by signing up.
• Receive daily attendance check points and various gift benefits once a month!
• Collect KB Financial Group integrated points and use them like cash!

● kiwibank makes your daily life more convenient!
• Easily issue a certificate without visiting the bank. (direct download or fax)
• Anyone can check the authenticity of the mobile certificate by recognizing the electronic seal (QR code) on the kiwibank app without logging in.
• With the Dutch Pay service, you can now easily share the money you spend together and express your feelings by sending a congratulatory or condolence gift!

■ Parking account that pays interest every day! KIWI Pang Pang Bank
• Product name: kiwi pangpang account
• Eligibility for subscription: Individuals aged 19 or older (one account per person)
• Interest rate: ① 100 million won or less: 3.0% per year, ② More than 100 million won: 1.3% per year
• Interest rate standard: As of May 24, 2023 before tax.
• Interest payment: The last day of each month (including holidays) is used as the settlement date and is added to the principal on the following day (1st of each month) or the day the customer directly requests interest payment.

※ Financial transaction precautions
* 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 please make the transaction after understanding the explanation.
* Preferential interest rates (annual, pre-tax) are provided when the following conditions are met. (Applies only to KRW 100 million or less)
① +0.2% per year when signing up for kiwi membership or agreeing to receive marketing (agree to both text and app push)
② When registering 2 or more automatic withdrawal transactions, +0.1% per annum
③ +0.2% per year when transferring money to our bank or another bank account more than once a month using the kiwibank app
* In the case of the first month of new subscription, the preferential interest rate is not applied, but the preferential interest rate is applied to Kiwi membership or marketing subscribers as of the last day of the previous month.
* Accounts opened through non-face-to-face channels are registered as ‘financial transaction limit restricted accounts’, and the transfer and withdrawal limit is limited to 300,000 won per day/per time to prevent financial accidents. The limit will be automatically lifted after 5 business days. If you wish to lift the limit before 5 business days, you can do so through OTP registration in [kiwibank app - My Menu - Limit Restriction Removal].
* This deposit is protected by the Korea Deposit Insurance Corporation in accordance with the Depositor Protection Act, but the protection limit is “up to 50 million won” per person, including the principal and interest of all financial products subject to deposit protection at this mutual savings bank, and 5 The remaining amount exceeding 10 million won is not protected.
* For further information, please contact Kiwi Bank Customer Center (☎1899-0900, weekdays 09:00~18:00) or refer to the kiwibank app and KB Savings Bank website.


■ KB Savings Bank’s representative credit loan product! KIWI credit loan
• Product name: kiwi credit loan
• Application target:
ㆍEmployed or self-employed with employment period of more than 3 months and annual income of 12 million won or more
ㆍKoreans over 20 years old with proof of income
ㆍCustomers with KCB personal credit score of 475 points or higher
• Loan limit: minimum 3 million won ~ maximum 100 million won
• Loan interest rate: minimum 6.9% per year ~ maximum 19.9% ​​per year
• Calculation standard: base interest rate (procurement cost, etc.) + additional interest rate (differentially applied depending on customer credit rating, etc.)
• Loan period and repayment method
ㆍLump sum repayment method at maturity: 1 year (extendable up to 5 years)
ㆍPrinciple and interest equal installment repayment method: minimum 6 months ~ maximum 84 months
ㆍInterest charge period: monthly installments
• Early repayment fee: loan amount repaid before the due date x repayment fee rate before the due date (2.0%) x remaining days of the loan / loan agreement period
(However, the pre-due repayment fee is applied when repaying within 3 years from the loan date, and is exempted when the remaining loan period is less than 1 month)
• Overdue interest rate: agreed upon loan interest rate + overdue interest rate (3%) (※ Overdue interest rate upper limit: within 20% per year)
• Stamp duty: When the loan amount exceeds 50 million won, stamp duty occurs (50% is paid by the customer and the savings bank each).

※ Financial transaction precautions
* Loan limits and interest rates are applied differently depending on personal credit score.
* 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 please make the transaction after understanding the explanation.
* Excessive borrowing can cause a decline in personal credit score.
* 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 contract period expires.
* KB Savings Bank credit loan products exist, and transaction conditions such as target, limit, and interest rate vary for each product.
* For further information, please contact the loan customer center (☎1899-0085, weekdays 09:00~18:00) or refer to the kiwibank app and KB Savings Bank website.

■ Kiwibank requests only the necessary permissions.
[Required access rights]
• Phone: Verify your mobile phone number to verify your mobile phone identity and access mobile phone status and device information.
• Storage space: Access to device photos, media, and files, used when using services such as storing certificates, submitting documents, and storing issued documents.
• Installed apps: Used to detect apps that may pose a threat among applications installed on smartphone devices to prevent electronic financial transaction accidents.
[Optional access rights]
• Camera: Used when using services such as taking photos of ID cards or QR codes on certificates.
• Contact list: Used to view and access contact list information on the device, such as transferring phone numbers, managing group accounts, and sending SMS results of transfers.
• Contact information: Used to retrieve contact information from the device, such as transferring phone numbers, managing group accounts, and sending SMS results of transfers.
• Notification: Used to receive notifications of useful products, services, event information, and various financial benefits through push notifications.

※ You can use Kiwibank even if you do not agree to the optional access rights, but use of some services may be restricted.

● If you have any questions about kiwibank, please contact the customer center (☎1899-0900, weekdays 09:00~18:00) or visit the kiwibank app or KB Savings Bank website.

Reviewed by the Korea Federation of Savings Banks No. 2024-00115 (2024.02.01~2025.01.31)
KB Savings Bank Compliance Officer Review No. 2024-A0002 (2024.01.26~2025.01.25)