🏦Open a Bank Account in Korea
Get a Korean account so you can receive salary, pay rent and verify your identity online.
Ditulis dan disemak fakta berdasarkan sumber rasmi kerajaan, serta dikemas kini secara berkala.
Ringkasnya
- •Most banks require your Residence Card, passport and a Korean phone number to open a full account.
- •Before your card arrives, some banks offer a limited account with just a passport — ask at the branch.
- •App-only banks (KakaoBank, Toss) are convenient but need Korean identity verification, which usually means an ARC and a Korean phone.
- •Employer- or school-recommended banks are usually the smoothest for a first account.
- •Foreigner accounts may have transfer limits at first that can be raised after a few months.
Fakta pantas
- Core documents
- Residence Card, passport, Korean phone number
- Before ARC
- A limited account may be possible with a passport
- Best for English
- International branches and English banking apps
- Setup time
- About 1–2 hours at the branch
- Mobile banking
- Needs an OTP and identity verification
- Limits
- Transfer caps may apply, raised after 3–6 months
Langkah demi langkah
- 1
Get your Residence Card first
Full accounts almost always require the Residence Card plus passport and Korean contact details. If you do not have it yet, ask about a limited account.
- ▸Bring your immigration application receipt if the card has not arrived
- 2
Choose a bank
Compare English service, branch access, app language, remittance fees, and any employer or school recommendation before deciding.
- ▸International branches in Seoul are easier for English
- ▸App-only banks need Korean verification
- 3
Visit the branch with documents
Bring your Residence Card, passport, Korean phone number, and proof of address, school or employment if you have it.
- ▸Bring originals and photocopies
- ▸Go on weekdays 9am–4pm and avoid the lunch hour
- 4
Complete the application
Staff walk you through the forms, which are often available in English. You choose account type and set up a PIN.
- ▸Ask about foreigner transfer limits up front
- 5
Set up mobile and internet banking
Install the bank app, enable internet banking, and set up an OTP for transfers so you can pay rent and bills online.
- ▸English apps include KakaoBank and Shinhan SOL
- ▸Enable overseas remittance if you need it
- 6
Raise limits over time
Initial foreigner accounts may cap transfers. After a few months of use, ask the branch to review and increase your limits.
- ▸Keep salary or rent records to support a limit increase
Soalan lazim
- Can I open an account without a Residence Card?
- Some banks offer a limited account with only a passport, but most full-service accounts require the Residence Card. Ask each branch directly, as policy varies.
- Which banks are best for foreigners?
- Banks with international branches and English apps are easiest. Employer- or school-recommended banks are often the smoothest for a first account.
- Do I need a Korean phone number?
- Usually yes. Banks send OTP verification codes to a Korean number, and app-only banks require Korean identity verification.
- Why does my account have transfer limits?
- New foreigner accounts often have caps to prevent fraud. These can typically be raised after several months of normal use.
- Can I use app-only banks like KakaoBank or Toss?
- Yes, once you have an ARC and a Korean phone for identity verification. They are convenient but the sign-up flow is mostly in Korean.
- How long does it take?
- Opening an account in person usually takes about one to two hours, and mobile banking can be set up the same day.
Sumber disahkan
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