Welcome to the **NO.1 digital banking savings bank** in the industry! We lead the way with the highest number of cumulative app downloads and users in the savings bank sector, according to App Annie data as of December 31, 2023. Discover the multitude of services we offer, including deposits, cards, loans, financial services, credit management, and life services, all under one roof.

**Get Moving with 'Well Bang Walking Savings'** - Simply by walking, you can gradually accumulate interest rates up to an impressive 10% per annum. We offer preferential interest rates based on the number of steps you achieve within the subscription period.

**WELCOME! Enjoy a Preferential Interest Rate on Your First Transaction** - New customers can enjoy a special interest rate of up to 7% per year for their first 30 days after opening an account.

**Struggling with Asset and Liability Management? Try Welcome My Data** - We've helped customers save a total of KRW 8,334.98 million through our nationwide interest reduction project as of March 14, 2024. We collect and manage all your debts and inform you about potential transfer loan options. Plus, we offer credit weather to help you monitor your credit management effectively.

**Easy and Convenient Account Opening** - Open a non-face-to-face account 24/7, anytime, anywhere, even without a public certificate. Just use pattern or fingerprint authentication along with a 6-digit authentication number. We also have dedicated accounts tailored for Payers, office workers, and bosses, with special benefits upon account opening.

**Don't Miss Out on the 'Wellbang Lounge'** - Exclusive to Wellbang, enjoy prize benefits such as Well Bank Walking, where loan customers can earn up to 100 won per day and up to 3,000 won per month, and receiving customers can earn up to 40 won per day and up to 1,240 won per month. Plus, participate in Well Bang Lotto and Well Bang Odd or Even for more chances to win.

**Convenient Financial Services for Your Everyday Life** - With Wellbang, transfer funds easily by pressing and holding the account card you wish to withdraw from and dragging to the account card you wish to deposit to. View your total assets, detailed status, and savings goal status all on one page. Check your car's price by simply entering its license plate number, and use our automatic payment service to pay utility bills and other fees effortlessly. Monitor your credit score with our free credit management service, which does not affect your credit score.

**Electronic Financial Fraud Prevention Service** - We operate "PC designation service," "2-channel authentication service," and "one-time authentication number" service in line with the Financial Supervisory Service's guidelines to keep your finances secure.

Product Information

[Well-Bang Working Savings]

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: The same amount between 10,000 won and 200,000 won per month
• Interest payment: lump sum at maturity
• Basic interest rate: 1.0% per year + preferential interest rate up to 9.0% per year
• Preferential interest rate conditions:
  1. Differential payment of preferential interest rates based on the annual number of steps achieved (8.0%)
     • Preferential interest rate application section according to the number of steps:
       • More than 1 million steps: 1.0%p per year
       • More than 2 million steps: 2.0%p per year
       • More than 3 million steps: 3.0%p per year
       • More than 4 million steps: 8.0%p per year
  2. Payment by automatic transfer through our bank account at least 6 times (1.0%p)

[WELCOME First Transaction Preferential M Term Savings]

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: The same amount between 10,000 won and 200,000 won per month
• Subscription conditions: Within 30 days from the date of first opening deposit subscription
• Interest payment: lump sum at maturity
• Basic interest rate: 3.7% per year + preferential interest rate up to 3.3% per year
• Preferential interest rate conditions:
  1. Payment by automatic transfer through our bank account at least 8 times (1.8%p per year)
  2. When the average deposit/withdrawal account balance from the new date of this deposit to the day before the contractual maturity date is 500,000 won or more (1.5%p per year)

**Common Precautions** - In accordance with the Depositor Protection Act, this deposit is protected up to "50 million won" per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest. Please review the product description and terms and conditions before signing the contract. You have the right to receive a sufficient prior explanation of the product, so make sure you understand it before transacting. Note that interest rates may change, so please check our website or app for the latest information.

Customer Center Operating Hours

• Loan: 1661-0001 (Weekdays 08:30 ~ 18:00)
• Deposit/Withdrawal: 1661-9400 (Weekdays 09:00 ~ 18:00)
• Business operator: 1661-9300 (Weekdays 09:00 ~ 18:00)
• Financial fraud reporting night call center: 02-397-8600/8800

Permission and Purpose of Using Wellbang App

Required Access Rights

• Storage space: Required for storing joint certificates, checking for OS tampering, submitting documents, storing photos, and submitting supporting documents.
• Phone: Required for identity verification, device verification, and consultation calls.
• App activity: Used to collect app information and detect malicious apps by obtaining broad package visibility rights to prevent electronic financial transaction incidents.

Optional Access Rights

• Contacts/Address Book: Contact information is collected and shared to use functions such as contact transfer, sending SMS, purchasing coupons, and selecting recipients when recommending a friend. If you do not consent to this as an optional permission, its functionality may be limited.
• Camera: Used for photo identification, face authentication, document submission, etc. This is an optional permission, and if you do not agree, its functionality may be limited.
• Photos and videos: Save photos and collect photos submitted as supporting documents. This is an optional permission and its functionality may be restricted if you do not consent to it.
• Notification: Used to receive notifications of important notices, events, and promotions. This is an optional permission; if you do not consent, you may be restricted from receiving notifications.

Items for Investigation of Credit Disorderly Conduct

• Malicious app detection information, diagnostic information on detected malicious apps

Welcome Savings Bank Co., Ltd. CEO: Daewoong Kim
Business registration number: 120-87-93876
Welcome Savings Bank Compliance Officer Deliberation No. 3765 (2024.08.08~2025.08.07)
Reviewed by the Korea Federation of Savings Banks 2023-00710 (2023.06.22~2024.06.21)

What's New in the Latest Version 3.4.9

Last updated on Oct 22, 2024

1. 앱 사용 환경개선 및 안정화