웰컴디지털뱅크(웰컴저축은행)

Welcome to the **No. 1 Digital Banking Savings Bank**! We're thrilled to offer a wide range of services, including deposits, cards, loans, financial services, credit management, and life services. Our commitment to excellence has made us the top choice in the savings bank sector, with the highest cumulative app downloads and users as of December 31, 2023, according to App Annie.

Discover our unique **'Well Bang Walking Savings'** program, where you can earn interest rates of up to 10% per annum just by walking. We provide tiered preferential interest rates based on the number of steps you achieve within the subscription period. Start walking and watch your savings grow!

New to our bank? Enjoy a **welcome bonus** 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. It's our way of saying hello and helping you kickstart your savings journey.

Concerned about managing your assets and liabilities? Try **Welcome My Data**. We've helped customers save an estimated KRW 8,334.98 million through our nationwide interest reduction project as of March 14, 2024. We'll collect and manage all your debts, inform you about potential transfer loan options, and help you participate in the interest reduction project. Plus, our **credit weather** feature assists in managing your credit effectively.

Opening an account with us is **easy and convenient**. You can do it anytime, anywhere, 24 hours a day, even without a public certificate. Just use pattern or fingerprint authentication and a 6-digit authentication number. We also offer dedicated accounts tailored for payers, office workers, and bosses, each with special benefits.

Don't miss out on the **'Wellbang Lounge'** and its exclusive prize benefits. Our **Well Bank Walking** initiative rewards loan customers with up to 100 won per day and up to 3,000 won per month, and receiving customers with up to 40 won per day and up to 1,240 won per month. Try your luck with **Well Bang Lotto** by guessing six numbers from 0 to 9, or play **Well Bang Odd or Even** for weekly prizes.

Make your financial life easier with our **convenient services**. With a simple drag-and-drop, you can transfer funds between accounts. Check your total assets, detailed status, and savings goals on one page. Curious about your car's value? Just enter the license plate number. Use our **Automatic Payment** service for hassle-free bill payments and explore **free credit management** to monitor your credit score without affecting it.

We take your security seriously with our **Electronic Financial Fraud Prevention Service**. We offer PC designation, 2-channel authentication, and one-time authentication number services, all in compliance 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 at maturity
• Basic interest rate: 1.0% per year + preferential interest rate up to 9.0% per year
• Preferential interest rate conditions:
  • Differential payment based on annual steps achieved (up to 8.0%):
  • 1 million steps: 1.0%p per year
  • 2 million steps: 2.0%p per year
  • 3 million steps: 3.0%p per year
  • 4 million steps: 8.0%p per year
  • 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 deposit subscription
• Interest payment: Lump sum at maturity
• Basic interest rate: 3.7% per year + preferential interest rate up to 3.3% per year
• Preferential interest rate conditions:
  • Automatic transfer through our bank account at least 8 times: 1.8%p per year
  • Average deposit/withdrawal account balance of 500,000 won or more from the new date to the day before maturity: 1.5%p per year

※Common precautions: In accordance with the Depositor Protection Act, this deposit is protected up to "50 million won" per person, including principal and interest. Please review the product description and terms before signing up. You have the right to a comprehensive explanation of the product, so make sure to understand it before transacting. Note that interest rates are subject to change, so check our website or app for the latest information.

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: For storing certificates, checking for OS tampering, submitting documents, and storing photos.
• Phone: For identity verification, device verification, and consultation calls.
• App activity: To collect app information and detect malicious apps.

**Optional Access Rights**

• Contacts/Address Book: For contact transfer, SMS sending, coupon purchases, and friend recommendations. Functionality may be limited if not granted.
• Camera: For photo identification, face authentication, and document submission. Functionality may be limited if not granted.
• Photos and videos: To save and collect photos submitted as supporting documents. Functionality may be limited if not granted.
• Notification: To receive important notices, events, and promotions. Functionality may be limited if not granted.

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. Improved app usability and stability