New bank account limited? How to lift the restrictions
This page is machine translated from Ieumi's guide written in Korean. If the meaning is confusing, please look at the Korean original text. View original text (Korean)
New accounts for foreigners usually open as limited accounts — transfers and withdrawals capped around 1 million won a day. Submitting documents lifts the cap.
📌 Key points
For a salary account, documents like an employment certificate, pay slips, or withholding tax receipts lift the cap. Limits and required documents vary by bank and account opening date — check at the branch. Rules differ by bank, so ask the bank where you opened the account: (1) what conditions lift the limit, (2) which documents are needed, and (3) whether you must visit a branch or can do it in the app.
📍 Where to go
The branch of the bank where you opened the account
❗ What happens if you don't
Unlifted, larger transfers like rent or deposits are blocked. There is no fine — the problem is the inconvenience.
Basis
- 금융위원회 보도자료 「금융거래 한도계좌 한도 상향」 (2024-05-02) https://www.fsc.go.kr/no010101/82205 — 인터넷 100만 · ATM 100만 · 창구 300만원, 기존 한도계좌에도 따로 신청 없이 적용 · 급여 수령은 건강보험자격득실확인서 · 근로소득원천징수영수증 등. 2026-10-05 다시 확인 — 2025 이후 바뀌었다는 금융위 · 금감원 자료 없음
- 하나은행 한도계좌 해제 안내 https://www.kebhana.com/cont/mall/mall06/index.jsp (2026-10-05 확인) — 앱 · 팩스 · 영업점, 재직증명서 · 근로소득원천징수영수증
This content was checked on 2026-10-05.