Let’s learn how to unlock a KB Kookmin Bank limited account account. When opening a new account, the financial transaction limit account, which is a safety device introduced to prevent damage from financial fraud such as cannon accounts, imposes a limit on the amount of financial transactions such as withdrawals and transfers per day, so if you open a deposit/withdrawal account through a non-face-to-face account, you must have the limit. Restricted accounts need to be released. Now, let’s briefly summarize what you need to prepare and how to unlock a limited account at Kookmin Bank.국민은행 한도제한계좌 해제
index
Kookmin Bank limited account transfer limits and restrictions
Kookmin Bank limit account release document
How to cancel Kookmin Bank account limit limit
Removing limited account limits through PC internet banking
Unlock limited account limit in KB Star Banking app
Visit a Kookmin Bank branch and solve the problem
Review of Kookmin Bank limit account cancellation
Kookmin Bank Limited Account Frequently Asked Questions
Kookmin Bank limited account transfer limits and restrictions
When opening a deposit/withdrawal account with Kookmin Bank non-face-to-face, it is set as a limit account. Once the account is set, only one account can be opened per person by default, so additional non-face-to-face account opening becomes impossible. If you need to open a bank account, you must first open a restricted account.
Category Kookmin Bank Limited Account Transfer Limit
Daily withdrawal limit at the counter
(withdrawal/transfer combined) 1 million won
ATM daily withdrawal and transfer limit: 300,000 won each
Internet banking/phone banking/smart banking daily transfer limit: 300,000 won each
Automated device bank account withdrawal/
Non-media withdrawal (no bankbook/no card) registration is not possible
can not be used
In order to increase or change the transfer limit, you must release the limit-limited account, and this can be done by providing documents and visiting the Internet or offline Kookmin Bank branch.
After canceling the limit account, the transfer limit can be increased depending on the security medium. The following is the maximum transfer limit for each secured medium after unlocking the Kookmin Bank limit account limit.
Transfer limit security card OTP KB mobile certificate
1 time maximum
Transfer limit: 10 million won 100 million won 100 million won
Maximum per day
Transfer limit: 10 million won, 500 million won, 500 million won
Kookmin Bank limit account release document
You can request to have your financial transaction limit lifted through a nearby bank branch by submitting a document confirming the purpose of the financial transaction that is out of date. If a sufficient purpose is recognized through the transaction history for the past three months, it can be lifted without supporting documents.
※ Documents confirming the purpose of financial transactions
Category Preparation Documents
Salary account, proof of employment, salary slip,
Earned income withholding tax receipt, etc.
Pension receipt account, pension certificate (pension recipient confirmation, etc.)
Business account, product supply contract (invoice), (electronic) tax invoice,
Financial statements, value-added tax certificate, tax payment certificate, etc.
Meeting bank account, member list, bylaws, etc., documents proving the meeting
Utility bills, management fee account, utility bill payment receipt, management fee receipt, etc.
Part-time job bankbook, copy of employer’s business registration certificate,
Employment verification data such as employment contract or salary slip
Other objective evidence is required to confirm the purpose of establishment.
※ Cases where cancellation is possible based on transaction performance without supporting documents
Category Transaction details recognized items
Customer grade KB Star Club MVP, Royal customer (substantial grade)
Salary transfer Performance of salary transfers exceeding 500,000 won per case over the past 3 months (corporate internet banking based on national treasury, Giro, CMS, salary transfer date, topline, and Kookmin Bank salary contract)
(Non-face-to-face: 1.5 million won for 3 consecutive months)
KB Kookmin Card Payment Credit card payment performance for the past 3 months (including cash advance)
※ Excluding check/prepaid card payment records
Utility bill transfer Automatic payment of more than 3 utility bills per month (apartment management fee, Giro, CMS, firm banking) and bank loan interest repayment transaction performance over the past 3 months
Merchant payment Deposit records of card merchant payments paid by KB Kookmin Bank at least once per month for the past three months
Pension receipt: Receipt of national pension, civil servant pension, private school teacher pension, military pension, and veteran’s pension at least once a month for the past three months
(Non-face-to-face: receive a pension of 500,000 won or more for 3 consecutive months)
Stock trading performance of stock trading more than a certain number of times through KB able Plus bankbook
(To prevent the use of Daepo Bankbook, the period and number of times are not disclosed and are subject to frequent change)
How to cancel Kookmin Bank account limit limit
Kookmin Bank limit account release release
Removing limit account limits through PC internet banking
※ When canceling a financial transaction limit account through internet banking, you must apply for cancellation without supporting documents such as customer rating, salary transfer, pension receipt, stock transaction, etc.
1. Go to KB Kookmin Bank Internet Banking homepage
First, go to the Kookmin Bank website and log in.
2. Entire account inquiry
Click the inquiry menu at the top and select the Kookmin Bank account inquiry menu to view the entire account.
Kookmin Bank limit account release release
3. Application for lifting limit restrictions
On the overall account inquiry screen, click Account Management on the right side of the bankbook that is set as a limit account, and then select the Apply for limit limit removal menu.
Kookmin Bank limit account release release
4. Unlock restricted accounts
Depending on the release requirements, the limit may be maintained or you may see a screen where you can apply for a limit account.
Unlock limited account limit in KB Star Banking app
※ When canceling a financial transaction limit account with KB Star Banking, you must apply for cancellation without supporting documents such as customer rating, salary transfer, pension receipt, stock transaction, etc.
1. Run the KB Star Banking app
Run the KB Star Banking app on Android or iPhone. If not, please proceed with installation through the link.
2. Entire account
Click the All Accounts button at the bottom to go to the Full Account Inquiry screen.
Kookmin Bank limit account release release
3. Application for lifting limit restrictions
On the overall account inquiry screen, click the three vertical dots button to the right of the bankbook that is set as a limit account, and then select the limit limit removal application menu on the screen that appears.
Kookmin Bank limit account release release
Kookmin Bank limit account release release
4. Unlock restricted accounts
Depending on the release requirements, the limit may be maintained or you may see a screen where you can apply for a limit account.
Visit a Kookmin Bank branch and solve the problem
In order to unlock a Kookmin Bank limit-limited account, you can visit a nearby branch in case it is possible to unlock it without any preparatory documents or supporting documents. It is recommended that you call the customer center at 1588-9999 before visiting and check the preparatory documents again. Please note that when visiting a branch, additional documents may be required or the limit release may be refused.
-> Find the nearest branch of Kookmin Bank
Review of Kookmin Bank limit account cancellation
I simply tried to unlock the limit online, but when I opened an account non-face-to-face, I had to transfer 1.5 million won in salary for three consecutive months, so I failed. So, I am thinking of trying to lift the limit by converting my Kookmin Bank account to a stock account, and listening to the stories of other people who have succeeded, it is said that it was easy to lift the limit in the following cases.
Kookmin Card 3-month payment history
3 automatic transfers (loan interest, apartment management fee, etc.) will be released after 3 months
Switch to a KB Able Plus account, deposit money into the account, repeat stock trading a few times, and unlock it the next day.
It is said that it is easier to unlock Kookmin Bank’s restricted account than other banks, so I hope everyone will refer to the information and do well in unlocking it.