Savings-related products launched one after another in the parking passbook craze
Used as a means to catch customers in the low interest rate and stock investment craze
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[아시아경제 송승섭 기자] As the craze for parking passbooks that earn interest even if you put them in one day is blowing, related products are also appearing in the savings banking industry. It is analyzed that it is being used as a useful marketing tool to capture customers in a situation where the trend of ultra-low interest rates continues and funds are drained from stock investment.
Pepper Savings Bank launched’Peperlulu Parking Passbook’, a parking passbook with an annual interest rate of 2%, to commemorate the relocation of its new building on the 8th. Up to 200 million won can be deposited, and the maximum interest rate is 3 million won. If it exceeds 3 million won, an interest rate of 1.5% is applied. It can be downloaded as an application (app) and is limited to individual customers, and only one account can be opened per person.
‘BangBangBang Parking Passbook 369 Term Deposit’ launched by Sangsangin Savings Bank, launched on the 1st, provides a pre-tax interest rate of 1.6%. It is an app-only product, and it is a compounded product that applies a contracted interest rate for each deposit period even when it is terminated. The basic interest rate is 1.6%. Depending on the deposit period, a contract rate of 1.7% per year for 3 months or longer, 1.8% for 6 months or longer, and 1.9% for 9 months or more is applied. You can sign up to 100,000 won per person. The product exceeded 50 billion won in deposits within 3 days of launch.
In the case of SBI Savings Bank, the’Cider Bank deposit and withdrawal passbook’ is operated as a parking passbook. The annual interest rate of 1.3% is applied without preferential interest rate conditions such as previous month’s performance, salary transfer, or automatic transfer. Assuming that 10 million won is deposited for one year, about 13,777 won comes in as interest. There is no limit on deposit. Instant transfer, automatic transfer, and ATM deposit and withdrawal fees are also free.
Catch customers with a parking passbook when the low interest rate keynote and stock investment craze overlap
[이미지출처=연합뉴스]
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The savings banking industry is releasing parking passbooks one after another in order to hold on to the funds that are churning due to low interest rates and stock investment. Instead of a savings account where funds are tied up, it is a calculation to attract customers by creating a parking account with a relatively high interest rate while allowing you to withdraw money freely. In particular, it is an analysis that a parking passbook is approaching an attractive product for those who want to temporarily leave the money they did not find an investment destination or store the money earned from stocks.
It is also a useful tool for managing the deposit rate. In the case of banks, the ratio between deposits and loans must be set at a certain level. In order to increase the loan product, it is necessary to secure a large amount of deposits, and the parking passbook plays such a role.
However, as a customer, when signing up for a parking passbook, interest rate application conditions differ from bank to bank. Products with higher interest rates may require more demanding conditions than expected. You should also carefully look at the deposit period and amount limit that fits your asset status.
Reporter Song Seung-seop [email protected]
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