What method do you mainly use for depositing? When I was young, I used to deposit money at the window, but after issuing a debit/debit card, I mainly use ATM machines. By the way, my main bank is Toss Bank, which is an internet-only bank. So, the actual deposit and withdrawal was using Kookmin Bank.
Cash -> Kookmin Bank Debit Card -> Kookmin Bank ATM Deposit -> Remittance from Toss -> Money transfer to Toss Bank
I was going through this process. Toss is free of remittance fees. However, thinking about it, I have a question.
Put it in your Kookmin Bank account with an ATM and transfer money to Toss Bank,
Transfer directly to Toss Bank card through ATM,
Shouldn’t there be a difference?
Actually, this is to save fees, but usually when you deposit (transfer) from an ATM machine to another bank, a fee is charged. That was a bit annoying. Kookmin Bank deducted 1,000 won each. Actually, this was making me uncomfortable, but I was wrong. When depositing using Toss Bank Card, a fee is indicated on the ATM machine and on the statement, but is not actually charged. The fee is borne by Toss. 토스뱅크 ATM 입금
Cash -> Toss Bank Debit Card -> Kookmin Bank ATM Deposit -> Direct Deposit to Toss Bank
It’s a lot simpler. There is no need to put money in Kookmin Bank and transfer it.
This time I used the Nonghyup Bank ATM because I had a business to see somewhere else for a while. Please select the ‘Deposit/Deposit without bankbook’ menu.
Then, a menu pops up. Select the ‘Cash Deposit with a Credit Card’ menu. Other banks’ ATMs may have similar menus.
And insert your Toss Bank card. Then the linked account and name will appear. Check it and move on, but if you look at it now, do you see the 700 won fee floating around? The indication is like that, but it is not the actual amount charged. 이베이스매뉴얼
The screen is slightly different from before. Again, ATM thinks that a fee is charged and prints it like that. There is no actual fee charged. The full amount deposited will be credited. The statement also shows that the fee has been reduced… No. Could it be that the computerization of the Toss Bank of ATM machines is not done properly yet?
Now, check your phone. Then there is a notification. ‘The fee indicated on the ATM screen and on the transaction receipt (statement sheet) is not charged to the customer.’ It’s a notification. And if you look at the account, you can see that 100,000 won has been fully deposited instead of 99,300 won. Right. No fees are charged. So I don’t carry cash, so if I have cash, I just go to any nearby bank and deposit it with an ATM to Toss Bank, and I pay with a debit card. This was pretty convenient. Especially in the case of Toss Bank Card, convenience store cashback is not bad.