These days, when installment savings rates are not very meaningful, there is a general deposit account where you can earn interest at an annual interest rate of 2% just by depositing.
It is also a bankbook that allows you to check and receive interest accumulated daily through your account, rather than keeping the money at least months to years and receiving interest later.
You can start investing with Toss Bank parking account!
When I used it myself, I liked it because it was a high interest rate for a general deposit account, and even if it was a small amount, it could be used as a compound interest every day.
There are many other advantages, so I would like to introduce you to a Toss Bank account that you can use very well.
What is a Toss Bank parking account?
A parking account is a regular deposit account!(Terms of access to Toss Bank)
A parking account refers to a bank account that allows you to easily put cash in and out of your bank account at any time, just as parking a car and withdrawing it.In a word, it means a savings account.
That’s why people often say Toss banking parking account, but if you open the Toss application, you can see that there is no name “parking account,” but just “Toss banking account.”You can think of it the same way.
Toss Bank Parking Account Benefits
The benefits of opening a Toss Bank account are as follows.(As of June 27, 2022 on the date of creation.)
Up to 100 million won in deposits, you can receive 2% interest per year.(Before tax, the amount exceeding 100 million won is 0.1% per year.)
You can send up to 1 billion won without OTP at a time.(However, you need to issue a Toss Bank card.)
There is no limit to the number of transfers to Toss Bank and other banks.
There is no fee for withdrawal from ATM.
Here we will learn more about the main benefits of Toss Bank’s parking account, the interest and commission benefits, respectively.
2% interest per annum payable daily (benefit effect)
The screenshot on the right shows that I received interest today and it’s 0 won 🙂
I understand that the interest rate benefit of 2% per year is roughly a good interest rate, but I calculated it once below in a specific amount so that it can be more touching.
Since the annual interest rate is 2%, the monthly interest rate is 2% / 12 months = about 0.16%.
Then, I roughly calculated how much interest I can get by depositing the following amount in my bank account for a month.
0.16% per month (2% per annum) Interest on applicable interest rates (pre-tax)
If you deposit 1 million won for a month, Interest 1,600 won.
If you deposit 2 million won for a month, Interest 3,200 won.
If you deposit 5 million won for a month, Interest 8,000 won.
If you deposit 10 million won for a month, Interest 16,000 won.
If you deposit 20 million won for a month, Interest 32,000 won.
It is calculated that you can receive the above interest only by calculating it as a simple interest rate.
It may seem like a small amount.
Let’s value even a small amount!
However, the Toss banking parking account does not wait for a month to receive interest, but you can receive interest every day if you want, so you can also put the interest you received in your deposit account and enjoy a compound interest effect.
If you do not receive interest by pressing interest every day, Toss Bank will calculate the interest based on the amount in the bankbook as of the third Friday of each month and pay the interest on Saturday, the next day.
However, even if it is a little troublesome, it is better to enjoy the benefits of our company, so it is better to collect interest every day.
A bankbook that can be made separately from Toss Bank’s bank account.
In addition, Toss Bank has functions such as a savings box that can be created separately from deposit accounts, such as collecting change and collecting large amounts of money, called “collecting.”
Like Toss Bank’s parking account, collecting bank accounts offer the same 2% annual benefit.
However, if you use the Collect function, you can also refer to the fact that the total amount in this Collect account and the amount in Toss Bank parking account will be combined to provide an annual interest rate of 2% up to 100 million won!
👇 If you use Toss Bank parking bank account, start managing money easily by saving it 👇
Start managing your money easily by saving up your Toss Bank parking account.
Using Toss Bank Collecting Toss Bank Parking Bank provides relatively high interest among domestic deposit accounts at an annual interest rate of 2%, and can be easily opened with the Toss Bank application.toss-bank parking bin
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Both bank transfers and ATMs are completely free of charge.
Toss banks are natural, and when transferring money to other banks, you can transfer money without any fee without limitation.
I thought Kakao Bank’s free account transfer fee 10 times a month was pretty good, but Toss Bank’s fee is free without a limit on the number of times, so it’s a really good benefit.
You can withdraw money not only from bank transfers but also from ATM devices without commission.
The decisive reason why I established a general deposit account in Toss Bank is because of this free fee benefit.
It may change in policy in the future, but I personally hope that this benefit will continue to be maintained in the future.:)
Like this, we focused on the advantages and benefits of Toss Bank’s parking account today.
There are also many parking accounts with high interest rates these days, so please look below and compare them with other deposit account benefits and choose a better bank account.