Kakao Bank, which was launched in July 2017, has surpassed 20 million customers in 5 years and has established itself as Korea’s leading internet-only bank. The stock price, which had recently been on a downward trend, is also showing the upward trend, recording the highest performance in the third quarter of this year. Today, we will take a look at the Kakao Bank check card benefits, design, and payment method.
There are various benefits that can be obtained by using the Kakao Bank check card, but there are a lot of users who use it because the character is cute. When Kakao released the emoticon-based character Kakao Friends, it was applied to various places, and Kakao Bank check cards can also be issued as “Friends Check Cards” with Kakao Friends. 카카오뱅크 우리카드
There are five types of Kakao Bank check card designs, and you can choose the design you want, from character design cards to Ryan, Apeach, Muji, and Con, to luxurious black color cards without characters. You can see that it has a vertical printing process so that it can be used comfortably offline in a simple design.
To get a Kakao Bank check card issued, you must first open a Kakao Bank account. I also received a check card while using Kakao Bank in the past, but usually the card is delivered directly to the address you requested within 5 business days by a professional courier. Now that we have confirmed that the debit card design is cute, let’s take a look at the benefits of the Kakao Bank debit card. 이베이스매뉴얼
In order to receive benefits while using the card, the previous month’s performance is usually required, but 0.2% of the usage amount is accumulated every time you use it without limits on performance and payment limit, and an additional 0.2% is accumulated on holidays and weekends. In addition, the fact that there is no annual fee is an advantage, and it is useful because you can freely choose whether to use a deferred payment transportation card or overseas payment (Master Card) when issuing.
Wouldn’t it be a little sad when the benefits ended like this?
Since its inception, Kakao Bank has been operating the Friends Check Card cashback promotion every six months. Promotion Season 11 is underway from August 2022. The part to check is that the promotion is provided once a month for each benefit category and is provided when the previous month’s performance meets 300,000 won. If you have multiple Friends check cards, please note that the previous month’s usage results are added up for each customer, and benefits are provided only once a month for each customer for each benefit category.
Cashback promotion categories can be largely divided into online shopping, beauty/companion animals, delivery/coffee, gas/communication, and academy/golf, and you can receive cashback benefits when you pay more than a certain amount for each category.
For example, delivery/coffee can be used at Baedal Minjok and Starbucks, but you get 10% cashback, so if you use it often, please take note!
Please remember that the usage amount is based on the one-time approval amount paid with the Kakao Bank Friends check card, and even if it is the same merchant, the payment amount of different approval cases is not added.
Since Kakao Bank is an internet-only bank, there must be many people who are curious about deposit and withdrawal methods. Even if there is no branch, we operate the service so that there is no inconvenience in offline financial transactions, and you can deposit and withdraw from the nearest ATM. Kakao Bank’s ATM deposit limit is not limited, but the limit is 1,000,000 won per transaction. In the case of mini use service, it is possible within the range of 500,000 won. Withdrawal limits may vary depending on the device, but usually the daily limit is 6 million won and the one-time limit is 1 million won. And in the case of transfer, the daily limit is 30 million won and the one-time limit is 6 million won.
And for Smart Withdrawal, the daily and one-time limits are both 500,000 won. Smart Withdrawal can be used at ATMs installed at CU convenience stores and Lotte distribution stores (Seven-Eleven, Lotte Mart, Lotte Department Store, Lotte Cinema, etc.) after application. Please note that changing the Kakao Bank deposit and withdrawal limit can be set within the limit per day/once directly through the Kakao Bank app, and it is not possible to change the limit for mini.
Personally, the best thing about using Kakao Bank for the first time was that I did not receive transfer fees and automatic teller machine (ATM) withdrawal fees. I kept paying fees at the commercial banks I used to use, but even if it wasn’t a big amount, it was a waste of money from the point of view of frequent transfers. One thing to note is that when depositing from a bank device, a fee may be displayed on the device screen and transaction receipt according to the bank’s policy, but it is not actually charged and the deposited amount is all deposited.
It is said that the cost of ATM usage fees paid on behalf of customers by the end of the first quarter of 2022 at Kakao Bank is over 2,000 billion won, which is leading to a net loss for the company. That’s why we tried to implement a conditional free fee policy from the past regarding the fee waiver policy, but we decided to waive the fee until December 31 this year.
Today, we looked at the benefits and design of the Kakao Bank check card, which has various benefits with a cute design, and how to deposit and withdraw. I hope it helps those who have been thinking about which card to issue among the various check cards.
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