It was opened by KB Kookmin Bank,
What if the transfer limit is limited to 300,000 won?
Let’s unlock, increase, and change.
Nowadays, many people open a non-face-to-face account with Kookmin Bank over the Internet, but it seems to be the first time that you have experienced only 300,000 won per day. 국민은행 한도제한계좌
It is said that the restriction is applied for financial transaction crimes such as cannon bankbooks or voice phishing.
So, today we are going to look at how to cancel Kookmin Bank’s limit-limited account and how to change or increase the transfer limit.
Kookmin Bank Limited Account Restrictions 이베이스매뉴얼
First of all, it is possible to open only one account per person within a certain period of time. In addition, the limit of ATM withdrawals and transfers from automated machines is 300,000 won per day, and the same is true for online banking and live sending. You can withdraw up to 1 million won per day at the branch counter.
For normal students, it doesn’t seem to matter much. However, I think that it is impossible to trade with this amount of money while living a social life. So, let’s see how to solve it, but there are some conditions.
How to cancel Kookmin Bank limit limit account
It is difficult to solve on the Internet. It seems to be because of the guidelines of the Financial Supervisory Service to prevent crimes that are often seen in the news. You can think of it as evidence of why the account is being used and the purpose of it.
First, you must visit the nearest Kookmin Bank branch with your ID and request cancellation. For reference, if you go to a branch and get a number ticket from the ‘KB Star Banking’ app, you can use it quickly without waiting time.
release condition
There are two ways. It is to prove it with transaction details and to prove it with documents. Let’s go through them one by one.
History inquiry
It must occur for at least 3 consecutive months under the same item of the following conditions.
1) Salary transfer – Deposit more than 500,000 won per case
2) KB credit card payment performance (including cash service performance, excluding check/prepayment performance)
3) Automatic debit of utility bills – Performance of automatic payment of at least 3 monthly utility bills (apartment management fee, Giro, CMS, online banking)
4) Pension Receipt – Citizens, public officials, private school teachers, military personnel and veterans pay transfer results)
It is important to note that it must occur for more than 3 months under the same conditions. Normally, it would be good to register as a salary or utility account and keep it for about 3 months.
When you visit the bank after meeting the above requirements, it would be better to check whether the requirements have been met. There aren’t many counter staff these days, so the waiting time seems to be considerable even for simple tasks.
You can think of it as checking and processing this quickly, but the employee makes a computerized inquiry and increases the amount immediately.
Documentary evidence
You can visit a branch with this and open it. Documents can be divided into four types.
1) Salary – Employment certificate, pay stub, wage and salary income withholding tax receipt
2) Business operator – contract for supply of goods or invoice
3) Living Expenses: Receipt of payment of utility bills
4) Confirmation of pension beneficiary
change and increase
Especially when you need to trade large amounts of money such as real estate, many people seem to be needed.
First of all, 500 million a day, 100 million at a time. Of course, you can change it by visiting the branch in person, but I think it would be good to guide you because it is convenient to do it online.
KB Star Banking App
First of all, you need to install the app, and you need an ID, security card or OTP. It is possible to log in with a KB mobile certificate, so it would be good to refer to it.
Security cards can be set up to less than 10 million won once a day, and OTP or KB mobile certificates can be set up to 100 million won at a time or 500 million won a day, so you can refer to them according to the amount you need.
Click the trident on the right side of the home screen. And in the second picture ‘MY menu’, if you click the squared area, it will appear like the last picture, and you can change it here. It would be good to note that both increase and decrease are possible.
Today, I learned how to increase the amount by lifting the limit of Kookmin Bank account and changing the transfer limit, I hope it will be helpful to those in need. thank you
What is a limit account?
This is a restricted passbook that allows customers who have opened a bank account to transfer only 300,000 won per day through internet mobile banking or an automatic teller machine or 1 million won at a branch office. In order to release the limit, you must submit various supporting documents.
Kookmin Bank Restrictions
– Only one account per person can be opened
– Withdrawal limit per day at the window: 1 million won
– Cash (check) card domestic (foreign) automatic machines
Daily withdrawal and transfer limit: 300,000 won each
– Internet banking. Send horn kangbing/live
Daily transfer limit: 300,000 won each
– Withdrawal from bank account with automated machine
Attendance without media (without bankbook/cardless): Registration not allowed
How to lift Kookmin Bank’s limit on financial transactions
In order to use without restrictions on financial transactions, you can request cancellation by visiting a branch near you by preparing evidence suitable for the purpose of financial transaction.
Evidence of financial transaction purpose confirmation
– Salary Passbook: Employment certificate, pay stub, receipt of wage and salary income withholding, etc.
– Pension receipt passbook: Pension certificate (confirmation of pension beneficiary, etc.)
– Business passbook: goods supply contract (invoice), (electronic) tax invoice, financial statements, value-added tax certification office, tax payment certification, etc.
– Meeting passbook: Documents proving the meeting, such as membership list and bylaws
– Utility bill, management fee account: utility bill payment receipt, management fee receipt, etc.
– In other cases: objective evidence that can confirm the purpose of establishment is required
Recognized transaction for limit account release
For accounts that have met the criteria below with the same items for the past 3 months in a row, even if there are no supporting documents, the limit of financial transaction account will be released based on the transaction history.
– Salary transfer: Salary transfer of 500,000 won or more per case
– KB card payment: credit card payment performance
– Utility bill transfer: 3 or more monthly utility bill automatic payment and bank loan interest repayment transaction
– Merchant payment: 1 or more monthly credit card membership payments from KB Kookmin Bank
– Pension receipt: National pension, civil servant pension, private school teacher’s pension, military pension and veterans’ pension received at least once a month
– Stock trading: Performance of stock trading more than a certain number of times through KB able Plus passbook
So, to end this post, it was time to learn how to unlock Kookmin Bank’s limit-limited account.
How to cancel Kookmin Bank’s account limit limit – Recently, it is not easy to open a passbook at a financial institution such as a bank or securities company. Of course, it is easy to open a non-face-to-face account, but it is not easy to transfer or withdraw money from a non-face-to-face account because it is tied to a limit-limited account.
What is a capped account?
This is because regulations are in place to prevent fraud. In the past, it was possible to open an account at any branch, but recently, if you go to a bank branch and open a bank account, you may be able to open an account only if you live or have a job within a few kilometers of the area. It becomes very inconvenient to use as a limit account is caught here. This also applies when trying to use an account that has been used for a long time and has been suspended.
Different banks have different criteria for unlocking a capped account, but the rough rules are similar. You must visit the branch to process the documentary evidence that confirms the purpose of the financial transaction. In principle, commercial banks, except for Internet banks such as Kakao Bank, visit their branches in person.
What is the scope that can be used as a Kookmin Bank limit-limited account?
If you do not open the limit-limited account, you can only use it for very limited purposes.
Only one limit account can be created at a given financial institution.
The withdrawal limit through the window is 1 million won per day.
The limit of withdrawals and transfers using cash (check) cards at domestic and overseas ATM machines is 300,000 won per day.
The maximum transfer limit through Internet banking, phone banking, and Live Send is 300,000 won per day.
Withdrawal from bankbook/withdrawal without bankbook/without card is not possible.
Because each medium is limited, the maximum amount of transfer (withdrawal) per day is 1.6 million won: 1 million won at the window, 300,000 won with check card withdrawal, and 300,000 won through internet banking. If you have 16 million won in your account and you want to withdraw it all, it will take 10 days under the limit account status.
How to cancel Kookmin Bank limit limit account
To cancel an account with Kookmin Bank limit limit, you must visit a branch with your ID and proof of financial transaction purpose. Most banks, not just Kookmin Bank, have standards for releasing limit-restricted accounts to some extent, but since there are various situations, in the end, the decision to release limit-limited accounts depends on the final judgment of the banker in charge. If you look at the document standards, it is stated as ~. Even if the documents do not match, it would be a good idea to prepare them if the banker can tell that they are for actual use. Of course, it would be better if the documentary evidence that meets the criteria below is sufficient.
Proof of financial transaction purpose
Salary Passbook: Employment certificate, pay stub, receipt of wage and salary withholding, etc.
Pension receipt passbook: Pension certificate (confirmation of pension beneficiary), etc.
Business passbook: Goods supply contract (invoice), (electronic) tax invoice, financial statement, VAT certification office, tax payment certificate, etc.
Meeting passbook: Documents proving the meeting, such as member list, bylaws, etc.
Utility bill, management passbook: utility bill payment receipt, management fee receipt, etc.
In other cases: objective evidence that can confirm the purpose of establishment is required
Conditions for canceling limit-limited accounts based on usage performance
If there are no supporting documents, it is possible to cancel the Kookmin Bank limit-limited account based on usage performance. However, the performance must be in the last 3 months. For example, if it is a utility transfer, it means that the utility transfer record must be in the last 3 months.