In the past, if there were several banks, each bank had to install the application directly, but transfer/balance inquiry was possible. However, with the start of open banking service, it is easy to install only one bank application such as Toss and Kakao Pay, and open banking to other bank accounts. You can manage your balance until now. As a result, there are many products that offer preferential treatment when using open banking. Today, we are going to look at Jeonbuk Bank’s JB Smart App term deposit product. 전북은행 스마트뱅킹
Jeonbuk Bank
JB SMART APP Deposit
maximum interest rate
2021.7.17 1.40% / 2021.09.15 1.55% / 2021.12.14 1.75% / 2022.02.04 2.00% / 이베이스매뉴얼
As of 2022.08.02
3.05%
Subject to subscription
individual/individual business
subscription period
1 year
subscription amount
More than 1 million won and less than 10 million won
Multiple accounts can be opened
Up to KRW 30,000,000 per person can be opened
Interest payment method
Lump-sum payment at maturity
*What is lump sum payment at maturity?
Calculated at the contracted interest rate during the subscription period and paid in lump sum at maturity
ex) New amount X contracted interest rate X number of deposit days/365
Jeonbuk Bank JB Smart App Term Deposit Interest Rate
Channel available for subscription
mobile banking
(Product for exclusive use of open banking)
base rate
2021.07.17 0.70% / 2021.09.15 0.85% / 2021.12.14 1.05% / 2022.02.04 1.30% /
As of 2022.08.02
2.35%
Prime rate
Up to 0.7% (applied upon expiration)
preferential conditions
preferential rate
① Utilization of marketing when new deposit [Consent to collection, use, and provision of personal (credit) information (product service information, etc.)] agreed (however, only when all product service information tools are agreed) 0.10% per year
② 0.30% per annum if you make a new deposit by withdrawing from your account at another bank by transferring money from our open banking service
③ Open banking recommendation number preferential treatment (0.10% per year per person, up to 3 people)- Recommendation number is provided for each account when new
– If another person inputs the recommendation number before the maturity date of this deposit, preferential interest rates are provided for both the account provided with the recommendation number and the input account Can be used only once Maximum 0.30% per year
First, as part of the marketing item consent
At the time of deposit
0.1% when ‘all items’ of marketing agreement is agreed
Second, in the Jeonbuk Bank application
When you make a new term deposit, open a deposit withdrawal account.
Select a third-party bank account registered for open banking
0.1% in the case of a new term deposit by interlocking substitution
Thirdly, given at the time of registration
Recommendation number for each account until the expiration date
If someone else enters it when making a new term deposit,
0.3% for both recommenders and recommended Chinese characters
It is said that the preferential interest rate is applied to each item.
Jeonbuk Bank JB Smart App Term Deposit Interest Rate :: Photo by Serpstat, Source: Pexels
I introduced you before
Hana Bank Hana One Q Term Deposit Division
You can see that the products are almost identical.
There is a difference in interest rates.
If you are able to open a new deposit and withdrawal account at Jeonbuk Bank
if the same condition
You can also use Jeonbuk Bank Open Banking Deposit
I don’t want to be bad.