A parking passbook, one of the essential bankbooks for investment! Various financial companies offer parking bankbooks, but this time, one jackpot parking bankbook came out, right? Toss Bank Parking Account! They give you an interest rate of 2% per annum.
You can just say that there is no interest in the bankbook for frequent deposit and withdrawal.. These days, the interest rate for deposits is… 1%. Is there any reason not to sign up? I made a reservation before I first came out and opened it quickly, but it was so popular that there were many people who waited for tens of thousands of people. Now they say it is possible to proceed without waiting 토스뱅크 이체한도
meaning of parking passbook
Some of you may be wondering what the alternative parking account is!
Parking in English means parking, right? It refers to a bankbook that stores money as if it were parked!
In a parking lot, you can park and withdraw money whenever you want.
You mainly use it as an emergency fund account among living expenses. At that time, I use it for the purpose of putting a lump sum of money. I am also using it like that. 이베이스매뉴얼
Tossbank interest payment date
So, when is the interest payment date for this good Toss Bank parking account? Payment is made on Saturday based on the third Friday of each month! In the case of the month of October, since the third Friday was the 15th, the 16th is the Toss Bank interest payment date, and the deposit was actually made on the 16th
Tossbank interest calculation method
The interest calculated daily from the interest payment date (the third Saturday of each month) to the day before the next interest payment date (the third Friday of each month) is added up and paid to the Tossbank account on the interest payment date!
– Daily interest: Final balance of each day corresponding to the amount range X Applied interest rate for each amount range / 365
In the case of Toss Bank, there is no balance limit, so it is calculated as the balance recorded in the bankbook * interest rate (currently 2%)/365, and taxes such as interest income tax will be deducted by 15.4%~ (This tax is the same for deposits It applies, so I can’t say no.. haha)
So what happens if you don’t fill the month and put money in for 20 days and then withdraw it? Interest will be paid on that date only for 20 days.
To make it easy, if you put 10 million won in Toss Bank, then the interest you can receive is about 1.69% excluding interest income tax when calculated per day.
10,000,000 X 0.01692 / 365 (days) = About 463 won a day comes out~ 100 million won would be 4630 won, right?
(It may look small, but the interest paid for deposits is smaller than this.)
For your reference, Toss Bank protects depositors up to 50 million won, so if you are anxious, you can put up to 5,000!
Toss Bank interest inquiry
I checked the interest payment date of Tossbank. This time, you can view the interest you have received so far and also look up the expected amount of interest payment next month!
① Select Tossbank bankbook > Select the gear icon at the top right
② Manage My Account > View interest
Interest was paid on the third Saturday of October, and a total of 21,491 won (excluding income tax) came in. It’s a pretty impressive amount in about two weeks since I opened a Toss Bank account. It also shows the amount I’ve received so far.
If you select the part where interest is written in October, you can also view the expected interest in November.
Tossbank transfer limit
The basic transfer limit of Toss Bank is 2 million won per transaction.
You can further increase this transfer limit.
① Tossbank bankbook > gear icon on the right > my transfer limit
② Check the current remittance limit > Temporary increase at the bottom
③ Agree to the remittance limit terms > Authentication method (toss bank card or other bank OTP authentication) > Completed when registering OTP of another institution
With OTP authentication, it is possible to increase the transfer limit of Toss Bank up to 100 million won at a time and 500 million won per day.
I don’t think there’s anything I can do to transfer 2 billion… lol I’ve set the transfer limit to 100 million per transaction!
Above, we have found out how to increase the transfer limit of Toss Bank’s interest payment date. Thank you for reading the article!