How to release Shinhan Bank limit account limit and reviews by bank [Kookmin Bank Woori Bank]
These days, when a new trading account is opened at a bank, it is often opened under the name of a limit-limited account.
Each bank is slightly different, but if you register as a limit-limited account, it is not inconvenient because withdrawals or transfers are limited to about 300,000 won per day.
This time, I’m going to learn how to unlock Shinhan Bank’s limit-limited account, which I learned by doing it myself. 국민은행 한도제한계좌
What is a capped account?
As mentioned earlier, it refers to an account where transactions such as withdrawals and transfers are restricted. 이베이스매뉴얼
This is a system used to prevent the use of bankbooks that are not usually used as payroll or business accounts for illegal transactions.
Even if it is your main bank, anyone who creates a new account will be created with this limit-limited account.
How to cancel limit-limited account
The method of releasing the limit-restricted account can be broadly divided into the method of canceling through confirmation of the financial transaction purpose and the method of releasing through the bank usage record.
First, the documents required to confirm the purpose of financial transaction to cancel the limit-limited account are as follows.
1. In case of use as a paycheck account: Employment related documents such as employment certificate, pay stub or wage and salary income withholding tax receipt
2. In case of opening a bankbook for pension receipt: pension certificate and confirmation of pension beneficiary
3. In case of opening a business account: Value-added tax certification office, tax payment confirmation, goods supply contract, electronic tax invoice, etc.
4. Meeting passbook: Member list and documents related to the bylaws
5. When using as a utility bill management passbook: receipt of management fee, etc.
In addition, various supporting documents can be used to release the limit-limited account.
If you are opening a bank account for reasons other than the above, it may be a good idea to get a phone consultation before visiting the bank you want to use.
Review on how to cancel Shinhan Bank’s limit-limited account
Shinhan Bank’s limit-limited accounts are divided into two types: limit-limited account 1 and limit-limited account 2.
Limit-limited account 1 is limited to 300,000 won at a time, 1 million won per day, and limit-limited account 2 is characterized by limiting transfers to 1.5 million won at a time and 5 million won per day.
First of all, there are various ways to go from limit limit account 1 to 2, but in my case, I used the method of releasing it through transaction performance.
As a result of inquiring with Shinhan Bank, it was possible to cancel it through the transfer of utility bills including card payments for 3 months or more (cards other than Shinhan Bank are accepted) or automatic transfer of products such as Shinhan Bank savings account.
Currently, I have been automatically debiting my savings account and the card I have for more than 3 months, and it is up to the limit-limited account 2.
After that, to go up to the limit-restricted account 2, it is said that it will be released if you make a salary transfer for more than a year or use a credit card automatic debit for more than a certain amount [500,000 won] for 6 months.
Since I am already using another bank, I decided to just be satisfied with the limit-limited account 2.
What about other banks?
In addition to Shinhan Bank, Woori Bank and Kookmin Bank were the only banks that I tried to release limit-limited accounts.
In the case of Kookmin Bank, it was canceled using the method of canceling it with a business passbook, and the VAT payment certificate and electronic tax invoices for more than 3 months were canceled by transaction through Kookmin Bank.
In the case of Woori Bank, it was used to open a meeting account, and it was used through the rules of the meeting with more than 15 people.
In the case of membership, I wrote about two A4 rules and submitted them through a bank visit, and I was able to cancel the limit-limited account through the phone call confirmation of the number of meeting people.
concluding
So, this time, I looked at the methods of unlocking the limit-limited account, along with the methods I did at some banks.
There was only a little step-by-step procedure for how to unlock the Shinhan Bank limit-limited account, and I tried using each release method for the rest.
I hope that today’s content has been of some help to those who are experiencing difficulties due to the limit-limited account.
Anyway, other than the Nonghyup account, I don’t use it very well.
This time, I received a deposit in my subscription savings account.
The loan was transferred to the “KB My Fit Passbook” that was created when the ASEM’s IPO share subscription was made.
But this “KB My Fit Account”
30,000 won per day
1 million won at the window
There is a transfer limit under such conditions.
I don’t know why, but
(Probably to prevent cannon bankbooks??)
One of the four conditions above must be met to lift the limit limit.
But in most cases, proof of 3 months’ worth is required.
I have to get rid of it today.
Waiting for 24 hours at Upbit is annoying.
I can’t wait for this either…
So the very next day, I went to KB Kookmin Bank.
KB Kookmin Bank Gangnam Central
2nd floor, Clock Tower Building, 402 Gangnam-daero, Gangnam-gu, Seoul
I visited just after lunch time.
I think I waited about 20 minutes.
In my case, the Nonghyup was my salary account.
We tried to lift the limit by changing to KB Kookmin Bank.
So, the related documents
Certificate of Employment
Earned income withholding tax receipt
pay stub
copy of passbook
I went to the bank with the same documents as
The person who consulted me kindly explained it to me.
What is the fastest way to unlock the limit?
Create a credit card
It was.
I have a credit card that I’m using right now.
It doesn’t matter what credit card you use
I just asked you to make it.
It was a credit card with an annual fee of Rs.
The 30,000 won payback event was in progress, so it was practically free.
to sum up
1. Changed the monthly passbook from Nonghyup to KB Kookmin Bank
2. Although there is no transaction record for 3 months, a new credit card is issued and
Same-day transaction limit and transfer limit cancellation on condition of continuous use
(Credit card can only be used for 3 months.
I’m just going to keep using it)
3. I tried to get a credit loan, but I took a step back
Have you recently opened an account at a bank or securities company?
Unlike 10 or 20 years ago, even if there is a 20-day account opening limit, I think that there will be at least one experience in which it is possible to open an account only when income or employment is confirmed.
In the past, I also had an uncomfortable experience when using a limit-limited account if it was not my main bank or because there was not enough transfer limit.
Today, we are going to summarize the contents of how to cancel Kookmin Bank’s limit limit account and change the transfer limit increase.
Limited account?
A limit-limited account literally means an account with a limit on the account.
Although there is usually a difference between banks, it is inconvenient when transferring large amounts or using the main account because the limit is 1 million won per bank transfer / 300,000 won per day when using ATM or mobile.
The purpose of having the restricted account can be seen as a cannon bankbook, borrowing name, and voice phishing prevention purposes.
Kookmin Bank limit account?
Then, I looked at the case of Kookmin Bank limit-limited accounts as a representative example.
Basically, it is possible to open only one account per person, so if there is a limit, it was confirmed that there is a limit of 300,000 won for withdrawals per day at the window / 300,000 won for ATM, internet banking, phone banking, and live sending.
In particular, it can be seen that it is quite inconvenient as no bankbooks/cards are not used through automated devices.
Let’s see how to unlock it.
How to cancel Kookmin Bank limit account
So, let’s see how to cancel the limit account.
Basically, depending on the transaction purpose of each passbook, you can visit and proceed with the evidence.
For example, in the case of a paycheck, you can visit the office with documents that can prove your income, such as a pay stub.
In other words, from the customer’s point of view, you can think of it as a process of canceling a passbook by proving that it is a legally used passbook.
If you do not have any supporting documents, there is no need to worry.
As shown in the picture above, you must meet the performance conditions.
It can be considered that the cancellation is possible by proving that the salary is transferred to the limit-limited account or if there are utility bills or card performance, etc.
How to change your transfer limit
Assuming that you have completed unlocking the limit account, let’s see how to change the transfer limit.
Generally, if you have only a security card, the transfer limit is 10 million won / 10 million won.
If you frequently make public offerings like me, or if you need to transfer 100 million won in one transfer, we recommend that you receive an OTP through your visit.
In the case of real OTP, it is convenient because it can be used in common as long as it is registered when using a bank, securities company, or insurance company.
Then, I actually looked for a way to change the transfer limit in the Kookmin Bank app.
First of all, please connect to Kookmin Bank Star Banking application.
After logging in, click the top right menu and click Banking – Product Management/Cancellation – Inquiry/Change of Transfer Limit.
Then you can check your current transfer limit.
If you click Change Room, you can change the limit to a maximum of 500 million won per day and 100 million won per transfer.
The amount can be set for each security medium and can be changed to 500 million won per day / 100 million won at one time for OTP, 500 million won per day for KB mobile certificate / 100 million won at one time, 10 million won per day for security card, and 10 million won at one time.
Therefore, as mentioned earlier, if you are using other banks or other securities companies, you can use it conveniently if you obtain a real OTP.
So far, we have looked at how to lift the limit account limit and how to change the transfer limit.