웰컴디지털뱅크(웰컴저축은행)

Welcome to the **NO.1 digital banking savings bank**! We are proud to be the top choice in the savings bank sector, with the highest cumulative app downloads and users, as reported by App Annie as of December 31, 2023. At Well Bang, we offer a comprehensive suite of services, including deposits, cards, loans, financial services, credit management, and life services.

Experience the innovative **‘Well Bang Walking Savings’** program, where you can earn interest rates of up to 10% per annum just by walking. We provide preferential interest rates based on the number of steps you achieve within the subscription period, making it easier and more rewarding to stay active.

New to Well Bang? Enjoy a **WELCOME!** offer with a preferential interest rate of up to 7% per year on your first transaction. This special rate is available for 30 days to customers who open an account for the first time, helping you maximize your savings right from the start.

Concerned about managing your assets and liabilities? Our **Welcome My Data** service is here to help. We have already facilitated a total estimated savings of KRW 8,334.98 million through our nationwide interest reduction project as of March 14, 2024. We will collect and manage all your debts and inform you if a transfer loan is possible. Plus, our **credit weather** feature helps you monitor your credit management effectively.

Opening an account with us is **easy and convenient**. You can open a non-face-to-face account anytime, anywhere, 24 hours a day, even in the early morning hours. No public certificate is required; just use pattern or fingerprint authentication along with a 6-digit authentication number. We also offer dedicated accounts tailored for Payers, office workers, and bosses, complete with special benefits.

Don't miss out on the exclusive **‘Wellbang Lounge’** prize benefits. With **Well Bank Walking**, loan customers can earn up to 100 won per day and up to 3,000 won per month by walking, while receiving customers can earn up to 40 won per day and up to 1,240 won per month. Participate in **Well Bang Lotto** by guessing 6 numbers from 0 to 9 for a chance to win prizes, or try your luck with **Well Bang Odd or Even** for weekly prize opportunities.

Our **convenient financial services** enhance your daily life. With Wellbang, transferring funds is as simple as holding the account card you wish to withdraw from and dragging it to the account card you wish to deposit into. You can check your total assets, detailed status, and savings goal progress all on one page. Curious about your car's value? Just enter the license plate number to find out. Use our **Automatic Payment** service for hassle-free payment of utility bills and other usage fees. Plus, our **free credit management** service allows you to monitor your credit score without affecting it.

We prioritize your security with our **electronic financial fraud prevention service**, including “PC designation service,” “2-channel authentication service,” and “one-time authentication number” service, all in line with the Financial Supervisory Service’s guidelines.

Product Information

**[Well-Bang Working Savings]**

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: Between 10,000 won and 200,000 won per month
• Interest payment: Lump sum payment at maturity
• Basic interest rate: 1.0% per year + preferential interest rate up to 9.0% per year
• Preferential interest rate conditions:
  • Differential payment of preferential interest rates based on the annual number of steps (8.0%):
    • More than 1 million steps: 1.0%p per year
    • More than 2 million steps: 2.0%p per year
    • More than 3 million steps: 3.0%p per year
    • More than 4 million steps: 8.0%p per year
  • Payment by automatic transfer through our bank account at least 6 times (1.0%p)

**[WELCOME first transaction preferential m term savings]**

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: Between 10,000 won and 200,000 won per month
• Subscription conditions: Within 30 days from the date of first opening deposit subscription
• Interest payment: Lump sum payment at maturity
• Basic interest rate: 3.7% per year + preferential interest rate up to 3.3% per year
• Preferential interest rate conditions:
  • Payment by automatic transfer through our bank account at least 8 times (1.8p per year)
  • When the average deposit/withdrawal account balance from the new date of this deposit to the day before the contractual maturity date is 500,000 won or more (1.5p per year)

**※Common precautions**

In accordance with the Depositor Protection Act, this deposit is protected up to “50 million won” per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest. Please check the product description and terms and conditions before signing the contract. You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before transacting. Interest rates may change, so please refer to the website or app.

Customer Center Operating Hours

• Loan: 1661-0001 (Weekdays 08:30 ~ 18:00)
• Deposit/Withdrawal: 1661-9400 (Weekdays 09:00 ~ 18:00)
• Business operator: 1661-9300 (Weekdays 09:00 ~ 18:00)
• Financial fraud reporting night call center: 02-397-8600/8800

Permission and Purpose of Using Wellbang App

**- Required access rights**

• Storage space: Required for storing joint certificates, checking for OS tampering, submitting documents, storing photos, and submitting supporting documents.
• Phone: Required for identity verification, device verification, and consultation calls.
• App activity: Used to collect app information and detect malicious apps by obtaining broad package visibility rights to prevent electronic financial transaction incidents.

**- Optional access rights**

• Contacts/Address Book: Contact information is collected and shared to use functions such as contact transfer, sending SMS, purchasing coupons, and selecting recipients when recommending a friend. If you do not consent to this as an optional permission, its functionality may be limited.
• Camera: Used for photo identification, face authentication, document submission, etc. This is an optional permission, and if you do not agree, its functionality may be limited.
• Photos and videos: Save photos and collect photos submitted as supporting documents. This is an optional permission and its functionality may be restricted if you do not consent to it.
• Notification: Used to receive notifications of important notices, events, and promotions. This is an optional permission; if you do not consent, you may be restricted from receiving notifications.

Items for Investigation of Credit Disorderly Conduct

• Malicious app detection information, diagnostic information on detected malicious apps

Welcome Savings Bank Co., Ltd. CEO: Daewoong Kim

Business registration number: 120-87-93876

Welcome Savings Bank Compliance Officer Deliberation No. 3765 (2024.08.08~2025.08.07)

Reviewed by the Korea Federation of Savings Banks 2023-00710 (2023.06.22~2024.06.21)

What's New in the Latest Version 3.4.9

Last updated on Oct 22, 2024

1. 앱 사용 환경개선 및 안정화