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Everyone

웰컴 저축은행

Nougat

NO.1 digital banking savings bank!
No. 1 in cumulative app downloads in the savings bank sector
No. 1 in cumulative app users in the savings bank sector
※ Based on App Annie (December 31, 2023)

■ Management of my assets and liabilities is Welcome MyData
· Total estimated savings from nationwide interest reduction project: KRW 17.6784 billion (as of February 13, 2025)
· Collect and manage all your debts and participate in interest reduction projects.
· Is my credit management clear? Check and manage your credit weather.

■Find high limits and low interest rates with a loan comparison service. 
· You can compare more than 60 products at once, ranging from credit loans, automobiles, sunlight loans, and non-DSR loan products.
· Even if you already have a mortgage loan, you can find out if there is a subordinate loan available.
· Even if you viewed it on another platform, visit Welcome again! Find products that can only be viewed on Welcome Loan Comparison.

■ Easy and convenient account opening
· Even at this time? You can open a non-face-to-face account anytime, anywhere, 24 hours a day.
· What if I don’t have a public certificate? You can authenticate with a pattern or fingerprint and open an account with just a 6-digit authentication number.
· Even if you leave it for just one day, you can open an account with free deposits and withdrawals that accumulate interest.

■ Benefits that can only be enjoyed at Wellbang
· Well Bank Walking: The more you walk, the greater your health and benefits. If you are a loan customer, enjoy the pleasure of up to 3,000 won per month. 
· Well Bang Lotto: Match 6 numbers and be lucky enough to win up to 1 million won every day.
· Well Bang Odds and Odds: Is it odd? Is it a match? Take advantage of the total prize money of 1 million won every week for those who guess correctly.
· Well-Bang Friend Recommendation: Both you and the friends you recommend can enjoy unlimited benefits.

■ Convenient financial services in daily life
· Just drag from the withdrawal account to the account you want to transfer to and the transfer is complete!
· Conveniently check your total assets, status, and savings goals in ‘Report’.
· Now conveniently pay various utility bills, including the four major insurance policies, local taxes, and communication fees.
· Conveniently use the app for ‘overseas remittance’, which allows you to send money to 50 countries anytime, anywhere, and ‘currency exchange service’, which is essential for overseas travel.

■ Welcome ‘Life’ filled with various benefits
· Are you curious about the price of your car? You can easily search if you know the vehicle number.
· Community center in your hand, proceed from issuance of electronic certificates to submission all at once with the ‘Government Electronic Document Wallet’.
· Smart ‘Public Stocks at a Glance’ that allows you to check the public offering schedule and attractiveness index at a glance
· Are you curious about your credit score? Try ‘Free Credit Management’ without affecting your credit score.

■ Electronic financial fraud prevention service
· Welcome Savings Bank operates PC designation service, 2-channel authentication service, and one-time authentication number service in accordance with the Financial Supervisory Service’s ‘Electronic Financial Fraud Prevention Service’ guidelines.

■ Information on customer center operating hours
· Loan: 1661-0001 (Weekdays 8:30 - 18:00)
· Deposit/Withdrawal: 1661-9400 (Weekdays 9:00 - 18:00)
· Business operator: 1661-9300 (Weekdays 9:00 - 18:00)
* Financial fraud reporting night call center: 02-397-8600/8800

■ Information on permission and purpose of using Wellbang App
- Required access rights
· Storage space: Required for storing joint certificates, checking for OS tampering, storing photos, and submitting supporting documents.
· Phone: Mobile phone number is collected to use mobile phone identity authentication, device authentication, consultation calls, and visible ARS functions.
· App activity: Used to collect app information and detect malicious apps by obtaining broad package visibility 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 friends. This is an optional permission, and if you do not agree, the function may be restricted.
· Camera: Used for photo identification, face authentication, document submission, etc. This is an optional permission, and if you do not consent, 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.

■ Visible ARS usage guide
- Visible ARS is a service that allows you to work while looking at your phone screen while talking to the customer center. Information on incoming and outgoing calls and mobile content for commercial purposes may be displayed. In order to use the service, you must consent to the provision of the information below and set permissions. To cancel use or withdraw consent, please contact customer service (1661-9400, 1661-0001).
· Purpose of provision: Use of visible ARS services
· Provided information: mobile phone number, app ID
· Provided to: Colgate Co., Ltd.
· Information retention period: Until consent is withdrawn

■ Items for investigation of credit disorderly conduct
· Malicious app detection information, diagnostic information for detected malicious apps

Welcome Savings Bank Co., Ltd. CEO: Daewoong Kim
Business registration number: 120-87-93876

Welcome Savings Bank Compliance Officer Deliberation No. 5733 (2025.03.27~2026.03.26)

The NO.1 digital banking savings bank! Deposits, cards, loans, financial services, credit management, life services, and well-banged!

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