GO BANK(고려저축은행)

Description

App information
Korea Savings Bank GO BANK (Go Bank) is a new deposit/loan integrated app service introduced by Korea Savings Bank.
This is an app service that allows customers to sign up for various financial products (deposits/loans) conveniently and safely.
You can conveniently sign up for a deposit/savings account without visiting the bank, and use it conveniently from loan applications to money transfers.

[Korea Savings Bank 『GO BANK』 Main Services]

1. Banking service
① Inquiry (All account inquiry / Transaction history inquiry / Savings payment date change / Maturity automatic re-deposit / Deposit deposit)
②Transfer (immediate transfer / automatic transfer (other bank/local bank/CMS) / scheduled transfer / delayed transfer)
③Banking management (transfer limit inquiry/reduction/transfer limit increase/delayed transfer service registration/termination/account password change and error resolution, etc.)
④Accident report (bankbook, seal, security card, OTP, cash card accident report and OTP accident recovery)
⑤ Non-face-to-face savings account opening (application / account opening application details inquiry/cancellation)

2. Loan service
①Loan application (automatic loan application / general loan application / collateral loan application)
②Loan limit inquiry
③Check loan progress status
④ Check deposit collateral loan results
⑤ Loan account inquiry (all account inquiry / transaction history inquiry / loan cancellation account inquiry)
⑥Loan repayment inquiry/payment (interest payment amount inquiry/repayment scheduled amount inquiry/interest (principal) immediate withdrawal request/principal repayment/limit cancellation/deposit-secured loan offset)
⑦Loan repayment schedule inquiry (maturity status / repayment schedule (interest payment due date)
⑧Right to request interest rate reduction (application/history inquiry)
⑨Loan withdrawal (application/inquiry/cancellation)

3. Apply for deposit and loan products
①Deposit product
②Loan products

4. Requirements for loan processing
①Online document submission
②Write an electronic contract
③Consent to credit inquiry and write suitability

5. Customer Center
①Notice
②Help
③ Electronic civil service application
④Online counseling center
⑤Right to request interest rate reduction
⑥Sales information
⑦User precautions
⑧Usage information (Usage time information / Counselor connection)
⑨Terms of Use/Privacy Policy (Terms of Use/Electronic Finance Terms of Use/Personal Information Processing Policy)
⑩ Application for issuance of various certificates (deposit balance certificate / debt balance certificate / financial transaction confirmation / withholding tax receipt / non-face-to-face application)
⑪Right to terminate illegal contract

6. User information management
①Check/change user information
②Change user password
③Lost/re-registered user password
④Reset user password error 5 times
⑤Register your first user password
⑥Long-term non-connection cancellation

7. Certification Center
①Joint certificate information
②Copy joint certificate (PC → Smartphone copy / Smartphone → PC copy)
③Joint certificate management (registration of joint certificates from other organizations / cancellation of joint certificates from other organizations / joint certificate management)

8. Security Center
①Electronic financial fraud prevention service
②Simple password authentication management (registration/re-registration/cancellation)
③Pattern authentication management (registration/re-registration/cancellation)
④Fingerprint authentication management (registration/re-registration/cancellation)
⑤Face ID authentication management (registration/re-registration/cancellation)
⑥mOTP management (setting/resetting/cancellation)
⑦OTP correction
⑧Other organization OTP management (registration/change)
⑨Terminal designation service (subscription/inquiry/cancellation)
⑩Additional authentication service (subscription/change)
⑪Authentication exception service

9. App version

[Korea Savings Bank Customer Center]
Customer Support Team: 1877-9900 (Weekdays 09:00 ~ 18:00)

[App permission and purpose information]
1. Storage space [Required]: Save joint certificate, use temporary storage space
2. Camera [required]: Take an ID card for non-face-to-face real name verification
3. Photo [Required]: Use a photo stored in the device to verify identity.
4. Phone [required]: Used to collect mobile phone device information
5. Location [Required]: Search for branch location
6. SMS [Required]: Sending information such as transfer results

Items for investigating credit order disorder (preventing voice phishing damage for customers using the Koryo Savings Bank App through detection of malicious apps): Malicious App detection information, diagnostic information on detected malicious Apps

[Koryo Savings Bank Loan Product]
Product Name: Go-Pass Loan
- Loan eligibility: Salary earners over the age of 25 with proof of income (however, housewives can be reviewed without proof of income) Those with a NICE personal credit score of 451 points or higher, annual income of 20 million won or more
- Loan limit
Minimum KRW 5 million ~ Maximum KRW 80 million (maximum KRW 5 million for housewives)
- Loan period: 12 to 120 months, repayment in equal installments of principal and interest
- Loan interest rate
Loan interest rate = base interest rate (procurement interest rate) + additional interest rate
Base interest rate: procurement cost
Additional interest rate: Differentially applied depending on the bank’s internal rating, etc.
*Go-Pass loan: 10.19% ~ 19.99% per year (differentially applied according to internal standards) (base date: 2024.11.26.)
- Default interest rate: Contracted interest rate + 3.0% (up to 20%)
Do not exceed the statutory interest rate, including interest rates and fees.
- Interest charging period: Monthly installment (automatic transfer possible)
- Method of repayment of principal and interest: Repayment of principal and interest in equal installments
- Early repayment conditions (fee): loan amount repaid before the due date x repayment fee rate before the due date x remaining days of the loan / loan agreement period
■Premature repayment fee rate: 1.73% (However, pre-repayment fee applies when repayment occurs within 3 years from the loan origination date)
- stamp duty
* KRW 70,000 if exceeding KRW 50 million (50% borne by customer)
- Precautions
Please check the product description and terms and conditions before signing the contract.
You have the right to receive a sufficient prior explanation about the product, and after understanding the explanation,
Please do business.
Excessive borrowing can cause your personal credit score to decline.
A decline in personal credit score may result in restrictions or disadvantages in financial transactions.
In case of late payment, you may be required to repay the principal and interest before the expiration of the contract period.
Loan is determined based on savings bank screening standards and customer credit rating.
Loan interest rates may change depending on changes in the base interest rate.
If there is a change in personal information at the time of extension of the period, part or all of the loan amount will be refunded.
It may be recalled.
If repayment of the loan or interest payment is delayed, a delinquent interest rate will be applied and deposits, etc.
You may suffer financial disadvantages due to offset against other claims or legal procedures.
there is.
For further information, please contact the Customer Service Center (TEL. 1877-9900).
Please be sure to refer to the product description.

Reviewed by Korea Savings Bank Compliance Officer No. 2024-122 (2024.10.04.~2024.10.03.)
Reviewed by the Korea Federation of Savings Banks 2024-01396 (2024.10.31.~2025.10.30.)