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Financial innovation that is easier and more frequent in everyday lifeKakao Bank, the first bank in the financial sector■ Redesigned bank• 365 days a year, all banking operations can be done on mobile without visiting a branch.• Easy account opening in 7 minutes■ Easy usability• Account transfer without joint certificate or security card• Easy remittance to a KakaoTalk friend without knowing the account number (remittance is possible even if the other party is not a Kakao Bank customer)■ Choose according to your preference• Check card with sophisticated design, from Kakao Friends character design to luxurious black color• Customizable account name and color■ Visible Benefits• Competitive interest rates and benefits provided to anyone without complicated subscription conditions or preferential conditions• Term deposit that allows you to check the increasing interest rate in real time• Emergency fund loan (small minus loan) that 90% of Koreans aged 19 or older can apply for■ 26 Week Installment Savings with Kakao Friends• Installment savings accumulated every week for 26 weeks starting from 1,000 won• With the support of Kakao Friends, maturity is just around the corner!■ A piggy bank that collects on its own• Feel free to save by selecting the collection rules you want• Usually, it is a cute item, and when you are curious about the exact amount, check it with a peek function.■ Gathering bankbook to write and view together• Easily invite KakaoTalk friends as members• View balance and deposit/withdrawal status with members• Membership fee request with a witty message card■ Management of valuable ‘my credit information’• Check my credit information safely and free of charge in the first financial sector• Provide notification service and credit information management tips when credit changes occur■ Overseas remittance with unconventional fees• Overseas remittance available 365 days a year, anywhere (send and receive)• Overseas remittance to over 200 countries around the world through overseas accounts and Western Union (WU)• Designation and extension of foreign exchange transaction banks can also be applied for through mobile without visiting a branch.■ Affiliate service at Kakao Bank• Easy to open a stock account at a securities company• You can apply for an affiliate credit card with Friends characters■ Transfer fee and deposit/withdrawal fee exemption• Exemption from other bank transfer and automatic transfer fees• Deposit/withdrawal/transfer fees waived for all domestic ATMs (banks, affiliated VAN devices)* ATM/CD machine deposit/withdrawal/transfer fees may change according to future policies. If the policy changes, we will inform you in advance through the Kakao Bank app and website one month before implementation.■ Information on customer center operating hours• Inquiries about deposits/installment savings, loans, and credit cards: 1599-3333 (09:00 ~ 22:00 365 days)• Jeonse and monthly rent deposit loan, foreign exchange inquiry: 1599-3333 (09:00 ~ 18:00 weekdays)• Accident report: 1599-8888 (24 hours, 365 days)■ Information on chatbot operating hours• KakaoTalk Plus Friend "Kakao Bank Customer Center" (24 hours a day, 365 days a year)■ Permissions and purpose information for using the Kakao Bank app• Telephone (required): Counseling connection, identity authentication, device authentication• Information in the installed app (required): Prevention of electronic financial transaction accidents• Camera (required): ID card photo and document submission, video call, profile picture registration• Location (optional): Prevention of fraudulent registration and detection of fraudulent transactions• Storage (optional): Transfer/remittance/withdrawal confirmation, card sales slip storage* You can use the service even if you do not agree to the optional access right.* The access rights of the Kakao Bank app are implemented by dividing them into mandatory and optional rights in response to Android OS 6.0 or higher. If you are using an OS version less than 6.0, you cannot selectively grant permission, so it is recommended to check if the manufacturer of your device provides an operating system upgrade function and update the OS to version 6.0 or higher if possible.