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“The deposit was sent to a strange number. What could it be?”, “Is it voice phishing?”, “Can’t I get cashback from Toss?”
As the ‘Interest Cashback’ program, which returns a portion of the interest paid to the bank in cash, is launched ahead of the Lunar New Year holiday, related posts and ‘deposit proof shots’ (captures of bank deposit details) are pouring into online communities for self-employed people and small business owners. Responses range from “I received 500,000 won through public finance cashback, what is this?” to “Isn’t this voice phishing?” Responses such as “It’s only about 400,000 won, but it’s good once you get it” are also continuing.
According to the financial sector, the first cashback of 1.3587 trillion won began on the 5th for 1.87 million individual business owners. The average is around 730,000 won per person. Starting with KB Kookmin Bank on the 5th, most commercial banks, including Shinhan and Woori, processed interest refunds between the 6th and 8th. K Bank, an internet bank, will also provide interest cashback worth a total of 5.1 billion won to 27,000 self-employed people starting on the 7th.
Each bank has provided detailed information to customers eligible for interest cashback via KakaoTalk or text message since the 1st. Cashback recipients are borrowers who have a personal business loan from a bank as of December 20 of last year. Up to a loan limit of 200 million won, 90% of interest paid in excess of 4% for one year will be refunded. The total refund limit is 3 million won per borrower.
If you receive loans from multiple banks, you can also receive ‘duplicate support’. One borrower can receive cashback from multiple banks. Since bank note interest refunds are processed by each individual bank, there is no limit to duplicate receipt. On the 9th, in the small business online community, there are a series of posts saying, ‘How much did you receive from Bank A and how much did you receive from Bank B?’
However, borrowers who received loans from some internet banks that are excluded from interest refunds are pouring out complaints, asking, ‘Everyone else is getting it, so why can’t we?’ The banking sector presented this support plan based on the principle of ‘not damaging soundness’, but Toss Bank, which is expected to have an annual deficit, is reviewing its own support plan instead of shouldering the financial resources.
2024-02-09 02:03:34
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