Hello, thank you for visiting Guo Xian again today.:D
The other day, I created a deposit and withdrawal bankbook to open a savings account at Shinhan Bank without face-to-face contact.The other day, I was happy to hear that it had expired, and I was looking for money…What? The installment savings account expired and the money was automatically transferred to the deposit and withdrawal account, but the deposit and withdrawal account had a limit, so I couldn’t find the money.
What the hell is going on here!I can’t believe I can’t find my money.
Looking into it, you have to go through several steps to lift the limit.For this posting, I hope those who make a deposit and withdrawal account by signing up for Shinhan Bank will refer to it…!Don’t go through the same mishap as I did.
Let’s find out how to open a limited account.
First of all, what is a limited account?
When you sign up for a new product, you will create a deposit and withdrawal account, and in the case of Shinhan Bank and the post office, the withdrawal limit is unconditionally restricted. Limited accounts are divided into 1 and 2.
Limited Account Type
Financial Transaction Limit Account 1: The withdrawal limit is limited to 300,000 won per day.
Financial Transaction Limit Account 2: The withdrawal limit is limited to up to 1.5 million won per day.
*However, withdrawal and transfer limits are possible within the limit of 5 million won for integration of branches, automated machines, and Internet banking.
The first thing that takes place is the limit account 1, and if you cancel 1, you move on to step 2.
In other words, you can’t solve it at once, you have to solve it twice before you can return to your regular account…
Limit account will be cancelled step by step.
Limit Limit Account 1 > Request for Release > Promotion to Limit Account 2 > Request for Release > All Limit Limit Cancellations Completed
lifting of limitation of limits
Change the limit from 1 to 2 (choose one of the following methods)
(Method 1) Payroll account used for 3 months + visit the counter (with the certificate of employment)
(Method 2) 3 months of Shinhan credit card use + visit the counter
(Method 3) Automatic transfer for 3 months with installment savings of 100,000 won or more + Visit the counter
Change from Limit 2 to General Account (Choose one of the following methods)
(Method 1) Using Shinhan Card for more than 1 million won for more than a year
(Method 2) Maintain a salary account for more than one year
If you need to contact Shinhan Bank directly, you can contact the representative number.
※☎ 1577-8000※
If you sign up for a new deposit at Shinhan Bank…
I found out while searching, but there is also a way to not impose this limit in the first place at the discretion of the bank clerk.
It is said that if you ask an employee of the department above the deputy department to lift the limit because they will sign up for a deposit product today, they will sometimes grant it.For example, if you don’t lift the limit, I’ll take out all the money and go to another bank.”In this case, it is said that they will minimize the paperwork and immediately lift the restrictions to sign up for new membership…
What a funny sight.I don’t know how effective the policy is.
a policy of doubtful purpose and effectiveness
Personally, I don’t think I’ll use Shinhan’s service anymore.As I posted on the posting the other day, Shinhan Card also charged about 7,000 won per month in the name of “Smart Living Service,” but I felt like I was stabbed in the back when I saw a service that I didn’t agree with in the statement.Of course, I know there’s no way I can defend myself.But I couldn’t help the feeling of being stabbed in the back of my head.
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[Shinhan Card] How to cancel the smart living service
Smart Living Service – Deduct 6,900 won per month!Very absurdly, the service that I did not even remember applying for was costing 6,900 won per month.The FanPay app does not have the ability to view or cancel the service you are using at once, so you can call.
cafe902.tistory.com
In addition, it is questionable whether imposing a limit in this way will be effective in line with the official purpose.
To add more, the main reasons why I feel dissatisfied are as follows.
1. (before/after) there is no notice or notice asking for your understanding.
2. The customer should realize that the limit has been imposed and make an individual inquiry to solve it.
3. I didn’t think about the customer’s position on how to solve it.
4. Doubts about whether to fundamentally resolve the purpose of preventing financial accidents
It is said that it is a policy designed to prevent financial accidents such as cannon bank accounts, and if so, I think it is right to identify and release them through legal documents.In order to release the cancellation, you have to use your own credit card or use the bank product for more than three months…?
How much of a solution is this to solve the problem?
In other words, wouldn’t it be a meaningless rule if a professional cannon bankbook member uses Shinhan Financial Services for three months and goes to the counter with a nominee to lift the limit?
I think it’s a policy that’s troubling in many ways and makes customers suspicious…!
Unfortunately, I’m going to connect Shinhan Card to my bank account to deduct the amount for three months.Regulations are regulations, so you should follow them.However, I don’t think we would have communicated in this way if we were a company that values customer satisfaction even a little.
You had a lot of complaints today.
Is there anyone who experienced the same thing as me?
If you have any experience solving it more efficiently, please share it in the comments.
Then have a good day today!:)