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Biz News Korea(Eng)

KakaoBank draws over 60,000 account opening in the first six hour of service

Collected: 2017.07.27

Distributed: 2017.07.31

Source: Go Direct

South Korea’s second online-only bank KakaoBank of Korea Corp. led by the country’s most popular chat platform was off to a an explosive start, drawing 65,500 account openings in just six hours it begun business on Thursday morning.

It had taken two days for the first-ever online bank K-Bank to draw that many accounts.

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The credit information provider that supports the Kakao Bank authentication program underwent system crash due to over-traffic.

An account can be opened simply with installing the KakaoBank application from app store. It would take seven minutes on average to open an account that allows the users immediately to take out overdraft of 3,000,000 won ($2,695). Credit loan and overdraft facility loan available to salary-paid workers can be up to 150 million won, or 1.6 times their annual pay.

The rates on installment savings and fixed deposit were set at annualized rate of 2.0 percent. Users can deposit up to 3 million a month and must hold the saving at least for six months. They would not have to cancel the saving plan when in need of emergency money.

KakaoBank axed service fees to the minimum or null. Wiring $5,000 or less in U.S. value to 22 countries including the US, Europe, Japan, UK, Canada, Australia and Hong Kong only would charge 5,000 won and 10,000 won for anything above.

Chat platform can be used to send money to the people on the friends’ list.

“Our system is the most simple and convenient banking solution for the mobile age,” said KakaoBank’s co-CEOs Lee Yong-woo and Yoon Ho-yeong.

By Chung Ji-sung

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