카카오뱅크 - Banking services app

More easily and frequently encountered financial innovation in daily life.

Even the tricky account opening process

Is now really easy:

"Easy and smart for everyone"

We've designed it to make accessing the many features and information of your account easy and convenient. You can easily transfer funds, view transaction details, and ensure you don't miss any important information.

"Account Safe, SafeBox"

You can easily manage your account balances without having to open multiple accounts. If you have spare funds, consider placing them in the SafeBox, which offers an annual interest rate of 2.00% (before tax) even if you keep the money there for just one day.

"Transfers made even simpler"

Without needing to enter a lot of details, you can easily transfer funds by simply selecting a KakaoTalk friend for the deposit account number. You can also conveniently use features like scheduled transfers and multiple transfers.

"Design it your way, benefits for everyone."

You can choose a KakaoFriends character design or a stylish solid design for your check card according to your preference. Regardless of the design you select, all KakaoFriends check cards offer the same benefits.

New Features

● We've added new features and improved usability.

Tap the camera button to quickly transfer money by taking a photo of your account number.

You can now switch to a new KakaoBank loan with your desired terms through 'Credit Loan Switching'.

We have also made improvements to enhance service convenience and resolve any issues.

First-tier bank Kakao Bank

■ Newly designed bank

• All banking transactions on mobile without visiting a branch anytime, 365 days

• Easy account opening in just 7 minutes

■ Easy usability

• Account transfers without public certificate and security card

• Convenient money transfer to KakaoTalk friends without knowing the account number (transfer possible even if the recipient is not a Kakao Bank customer)

■ Choice according to my preference

• Chic design check cards from Kakao Friends character designs to sophisticated black color

• Account name and color customized as desired

■ Visible benefits

• Competitive interest rates and benefits provided to everyone without complicated requirements or preferential conditions

• Real-time visibility of increasing interest with fixed deposits

• Emergency loans available to 90% of South Korean citizens over 19 years old (small overdraft loans)

■ 26-week deposit with Kakao Friends

• Weekly deposits starting from ₩1 accumulated over 26 weeks

• Achieving maturity with Kakao Friends' support is around the corner!

■ Savings box collecting automatically

• Save effortlessly based on selected accumulation rules

• Cute items for everyday use, sneak peek feature for checking accurate amounts

■ Shared group account used together

• Easily invite KakaoTalk friends as members

• View balance and transaction status with members

• Request fund contributions with witty message cards

■ Managing valuable 'my credit information'

• Securely check my credit information for free at the first-tier bank

• Notification service and credit management tips provided when credit changes occur

■ Overseas remittance at radical rates

• Overseas remittances available anytime, anywhere (sending and receiving)

• Overseas remittances to over 200 countries through overseas accounts and Western Union (WU)

• Designate foreign exchange banks; extension services can be applied for via mobile without branch visits

■ Affiliate services at Kakao Bank

• Easily open brokerage stock accounts

• Apply for affiliate credit cards with Friends characters

■ Transfer fees and deposit/withdrawal fees exempted

• Transfer and automatic transfer fees waived for other banks

• Deposit/withdrawal/transfer fees exempted at all domestic ATMs (banks, affiliated VAN machines)

* ATM/CD machine deposit/withdrawal/transfer fees may change in the future according to policies. In case of policy changes, we will inform you in advance via the Kakao Bank app and website.

■ Customer Service Operating Hours

• Savings/deposits, loans, card inquiries: 1599-3333 (09:00 ~ 22:00, 365 days)

• Monthly rent deposit loans, foreign exchange inquiries: 1599-3333 (09:00 ~ 18:00 weekdays)

• Reporting accidents: 1599-8888 (24 hours, 365 days)

■ Chatbot Operating Hours

• KakaoTalk Plus Friend "Kakao Bank Customer Center" (24 hours, 365 days)

■ Information on permissions and purposes for using Kakao Bank app

• Phone (required): Connecting consultations and verifying identity, device authentication

• Information within installed apps (required): Preventing electronic financial transaction accidents

• Camera (required): Document scanning and submission, video calls, profile picture registration

• Location (optional): Preventing fraudulent sign-ups and detecting fraudulent transactions

• Storage (optional): Saving transfer/remittance/withdrawal confirmations, storing card receipts

* Optional access rights are not necessary to use the service.

* The permission for Kakao Bank app is divided into required and optional permissions to correspond to Android OS versions 6.0 and above. If using an OS version below 6.0, optional permissions cannot be allowed manually, so it is recommended to check if your device manufacturer provides operating system upgrade features and, if possible, upgrade the OS to 6.0 or higher.