Membership registration can be done on both the app and PC. However, for a more convenient experience, using the app is recommended.

① Click SIGN UP.
② Review to the terms and conditions and agree.
③ Enter the email address and password you will use to login.
④ Choose your gender, nationality, and date of birth. Enter your phone number then click REQUEST CODE.
⑤ After entering the verification code, click COMPLETE REGISTRATION.

For more detailed instructions, please check the guide video below:

▶ SBI Cosmoney: Sign Up & Verification Guide

Double check if the number you have written is correct and ensure that your data connection is active.
For autodebit registration, phone number verification can only be done with a phone number registered under your own name.

If you are not receiving SMS notifications, please check the following. If the problem persists, please contact the customer service.

1. If you're applied for SMS spam filtering, please cancel it by calling 1800-5344
2. If you have a spam filtering app, please consider deleting it
3. If you are using a prepaid sim without balance, please consider topping up
4. If you change your phone number, please contact the customer service center.

Once you complete the initial phone number verification, you will be directed to the ID Verification Center.

You can use any of the following valid IDs:
● Resident Registration Card
● Alien Registration Card
● Driver's License
● Passport (if submitting a passport, additional proof of address is required)

You do not need to provide all documents. Simply choose one of the above documents to proceed with the ID verification.

① Please select the type of ID you want to use.
② Tap the ID photo area to upload the ID. Choose between camera capture or gallery upload.
③ Enter your first and last name in English. The spelling of your name must match the one on the ID.
④ Tap the next ID photo area to upload your proof of address. then click NEXT.
⑤ Click the ID photo area and upload a selfie with your valid ID. Make sure that your full face is shown at that all the information in your ID are not covered.

Click REGISTER. In the next step, you must proceed with the bank verification process. Only after the completion of the bank verification process will the ID verification processing start.

YES.
Even if you do not have an Alien Registration Card due to loss or reissuance issues, you can still verify your ID using a passport.
However, you will be required to submit a supplemental document to prove your residence here in Korea.

Generally, ID verification is approved within 24 hours on business days.
However, during peak seasons and holidays, approval may take up to 48 hours.
If ID and bank information has both been uploaded but no verification result within 2 days was received,
kindly contact our customer support for assistance at 1800-5344.

Please check if any of the reasons below apply to your case:

● The ID photo is blurry, making it impossible to verify the information.
● The information on the ID does not match the registration details.
● The ID you uploaded is not one of the types supported by SBI Cosmoney.
● The ID type you selected does not match the ID photo uploaded.
● Expired ID.
● A minor under the age of 14 has requested verification.

You may login to your SBI Cosmoney app and reupload the photos of your ID to resume the approval process.
If your ID was rejected for reasons not listed above, kindly contact our customer support for assistance at 1800-5344.

After uploading the photos for ID verification, you must proceed to bank account verification right away.

① Choose between autodebit account or manual account registration.

②-①. If you choose the autodebit account registration option, please click REGISTER ACCOUNT.
②-②. Choose a convenient method of verification: Financial Certificate, Joint Certificate, or Mobile Phone Verification. For foreigners, we recommend the Mobile Phone Verification.
②-③. Verify our identity.
②-④. Enter the bank account details you want to register to Autodebit and agree to the terms and conditions.
②-⑤. When you receive a call from the Financial Settlement Foundation for ARS identity verification, follow the voice instructions to enter the verification code required.
②-⑥. Once the phone call is done, click the REQUEST CODE button.
②-⑦. Check your bank account for the 1KRW deposit made by SBI Cosmoney. In the depositor's name, you will see the 3-digit verification code.
②-⑧. Enter the code in the SBI Cosmoney App and then click CONFIRM, then VERIFICATION COMPLETE.

③-①. If you choose the manual account registration, please choose your bank name and write your account number.
③-②. Choose the ID type registered to your bank, and write your ID number.
③-③. If the information does match, you may proceed with the 1-won bank verification.
③-④. Click the REQUEST CODE button.
③-⑤. Check your bank account for the 1KRW deposit made by SBI Cosmoney. In the depositor's name, you will see the 3-digit verification code.
③-⑥. Enter the code in the SBI Cosmoney App and then click CONFIRM, then VERIFICATION COMPLETE.

You can add or change your manual remittance account by following these steps:

① Login to SBI Cosmoney App > MY PAGE > REGISTERED BANK ACCOUNT.
② Click REGISTER or CHANGE under the manual account section.
③ Select your bank name, type in your account number, choose the ID registered in your bank, and then enter the ID number.
④ Click the CHANGE button. You will be asked to enter your 6-digit PIN code to confirm the changes.

If you want to add an autodebit account to your existing manual account or another autodebit account, please follow the instructions below:

① Login to SBI App → MY PAGE → REGISTERED BANK ACCOUNT.
② Click the ADD AUTODEBIT ACCOUNT button.
③ Choose your preferred authentication method: Financial Certificate, Joint Certificate, or Mobile Phone Verification.
For foreigners, Mobile Phone Verification is recommended.
④ When you receive an ARS identity verification call, follow the voice instructions and enter your 6-digit date of birth in the format of YYMMDD.
⑤ After the call ends, make sure to go back to the SBI Cosmoney App, then enter your email address in the space provided and click the COMPLETE ARS AGREEMENT button.

You can register unlimited number of bank accounts under your name.

It is mandatory under KYC (Know Your Customer) regulations, and the app requires camera/photo access for OCR and verification.

You will see a “Try Again” Notice and be redirected to the permission settings page.

Korean nationals: Resident Registration Card, Driver’s License
Foreign nationals: Passport

Avoid light reflection and blurriness, ensure the entire ID is visible on the screen, check that the ID is valid (not expired), and use an original, undamaged ID (not a copy).

This can happen due to blurred focus, reflections or dark areas, part of the ID border being cut off, OCR failure to read the expiration date or other information, or detection of fake ID patterns (such as copies).

Flash is not recommended for it will result in unwanted light reflections.

If the ID is photograhed as described bleow, the system may fail to recognize the image as an ID during the OCR stage:

1. The photo was taken with the phone held horizontally.
2. The photo was taken vertically, but the phone’s gravity sensor recognized the device as being in a horizontal position.

For proper recognition, we recommend the following:
Hold the phone perfectly upright (vertical) and keep it still for a moment before proceeding to capture the ID.

This is NOT allowed under the new policy.
Please proceed ONLY with an original, undamaged ID.

1. Resident Registration Card: Name, Resident Registration Number (Date of Birth + Gender), Date of Issue
2. Driver’s License: Name, Resident Registration Number (Date of Birth + Gender), License Number, Date of Issue
3. Passport: Name, Nationality, Passport Number, Gender, Date of Birth, Expiration Date, MRZ

Yes. Since OCR accuracy is not 100%, manual entry and editing of fields are allowed.

They differ due to KYC regulatory requirements and structural differences in the information contained in each document type.

OCR data is compared with the ID → authenticity verification → forgery/tampering pattern detection → backend verification.

This may occur if the MRZ section at the bottom of the passport is damaged or not captured clearly.
Please make sure that this area is photographed accurately and clearly.

These include mismatched ID information, OCR recognition failure, suspected damage or forgery, expired IDs, and violations of internal policies such as multiple accounts under the same name.

Cases of ID verification lock may occur during Resident Registration Card authenticity checks.
This happens when an incorrect date of issue is entered five times, causing the authenticity check to be locked.

Verification can be resumed after unlocking via
www.gov.kr/etc/AA090_unlock_id.jsp

We plan to set the pop-up button to redirect users to the above webpage so they can unlock it without contacting customer support.
However, if customer support inquiries arise due to concerns such as distrust of the webpage, please provide guidance based on the information above.

This case may occur when attempting to register using a Resident Registration Card or a Driver’s License. If this happens, please contact the issuing authority of the respective ID.

Starting January 1, 2026, the Overseas Remittance Integrated Limit Management System (ORIS) will be applied.
Under ORIS, ID verification is mandatory by nationality, as outlined below:

- Korean nationals: Resident Registration Card or Driver’s License
- Foreign nationals: Passport

As a result, remittance availability will vary by date. We strongly recommend completing KYC before January 1.

- Before January 1, 2026: Remittance is available regardless of KYC status
- On or after January 1, 2026: Remittance is not available if KYC is not completed

1. Login.
2. Follow the steps below:
- Web: Select the country you want to send a remittance to and click then SEND MONEY button.
- App: Select the country you want to send a remittance to.
3. Select a withdrawal method (Autodebit/ Manual):
- When selecting Autodebit: The amount will be automatically withdrawn from the registered account and processed for remittance.
- When selecting Manual: Remittance amount and fees must be deposited to your issued Gwangju Bank virtual account within one (1) hour.
4. Enter all the required remittance information. Information type may vary depending on the country and chosen receiving method.
5. Double-check the details you entered, and if there are no issues, click the NEXT button. Depending on the withdrawal method, the amount may be automatically withdrawn or require a deposit.

* Note: When processing a remittance, additional information and documentation be required from the sender.

[Sender Information]

1. Address
2. Detailed Address
3. Occupation
4. Reason for transfer
5. Source of funds
6. Relationship with receiver/beneficiary

[Recipient information]

1. Last Name
2. First Name
3. Address
4. Nationality
5. Phone number

[If sending through a bank transfer]

1. Bank Name
2. Bank Account Number
3. Bank Code (for select countries)
4. Account Type (applicable to USA)
5. Remittance Type (applicable to Singapore)

[If sending through cash pickup center]

1. Pickup Center

[If sending through Mobile Wallet]

1. Phone number

[If sending through ThriftRemit]

1. Bank Name
2. Card Number

[If sending through EasyRemit]

1. Bank Name
2. Card Number

[If sending through Alipay Remittances]

1. Alipay ID

[If sending through Wechat Pay Remittances]

1. WeChat ID (Mobile Phone Number)

For Vietnam, bank account number and/or ATM card number is needed to make a remittance transaction.

You have to type the address using English alphabet.
Korean and other language characters cannot be entered.
If you don't know your address in English, please check using http://www.koreapost.go.kr/ Click (Search PostCode) 우편번호검색 > Enter your address in Korean > Click (View in English) 영문보기.

The transaction fee is not included in the advertised rates. We excluded the transaction fee for the customers to see the real exchange rate.

There are 5 scenarios where deposit to the virtual account is unavailable.
Please check one of the situations below:.

1. If you are using another bank account rather than the bank account you registered with SBI Cosmoney
2. If the amount your are trying to deposit is different from the amount you need to deposit
3. If you are trying to deposit while banks are having their routine system maintenance
   • Everyday: 23:30~01:00, Every second sunday of the month 00:00~06:00
     Please try making a deposit between 06:00 ~ 23:00
   • [Deposits may be difficult during these hours: Everyday 01:00-06:00]
     Banks usually have their system maintenance during these hours, 06:00-23:30.
4. If you entered an incorrect virtual account, ofr if you entered other virtual account not in your name
5. Check if you you deposited over 1 million won in a span of 30 minutes
   • Some ATMs require an interval of 30 minutes before you can deposit an amount over 1 million won.

There are various reasons why a remittance is declined.
he most common reason is incorrect information entered, or if a sender mistakenly entered and mixed Korean characters and English alphabet, or special characters.
Please enter all the information according to the guide provided.

In the event of a refund due to a customer's mistake or entering incorrect remittance information, only the remittance amount will be refunded. Transfer fee and any costs incurred in the return process will not be refunded.
If the transfer is completed to a third-party beneficiary, it will go through a separate request for refund. The refund process may take at least 4 to 8 weeks, and a refund may not be guaranteed depending on the partner bank's circumstances.

Remittance times vary by country and may vary depending on network error or local partner circumstances.

1. Vietnam
   
   • Bank Transfers :

     - AGRI BANK : Minimum of 2 minutes~ (including weekends and holidays / based on partner's businees hours)

     - Vietcombank : Minimum of 2 minutes~ (including weekends and holidays). In case the account is of a foreign name, you will receive it in 1 business day. (based on partner's businees hours)

     - Other Banks : Minimum of 2 minutes~ (including weekends and holidays)

     ※ Remittances outside business hours may be delayed.

   • ATM Card :

     Minimum of 2 minutes~ (including weekends and holidays)

     ※ Remittances outside business hours may be delayed.

2. China
   
   • Thrift Remit :

     - 30 minutes: if processed from 9:00 am - 11:00 pm

     - Receive at 9:30 am the following day: if processed from 11:00 pm to 9:00 am

     ※ including weekends and holidays / Some remittances may be delayed due to network error or local circumstances.

   • Easy Remit :

     - 30 minutes: if processed from 9:00 am - 11:00 pm

     - Receive at 9:30 am the following day: if processed from 11:00 pm to 9:00 am

     ※ including weekends and holidays / Some remittances may be delayed due to network error or local circumstances.

   • Alipay Remittance :

     - Receive in 15 minutes after deposit

     ※ Some remittances may be delayed due to network error or local circumstances.

3. Philippines
   
   • Cash Pickup : Within 15 minutes (Claim within partner's business hours)
   • GCash / PayMaya : Receive in 10~15 minutes after deposit (Some remittances may be delayed due to network error or local circumstances)
   • Bank Transfers :
     

     [RapidSend]

     - BDO Unibank, Bank of Philippine Island (BPI), BPI Family, Metrobank, PNB: Receive in 10 minutes (including weekends and holidays)

     
     

     [QuickSend]

     - Under PHP 50,000: Receive in under 10 minutes - 1 hour (including weekends and holidays) / Above PHP 50,000: Send before 12 noon receive the same day, Send after 12 noon receive the next day (within bank's business hours)

     - Asia United Bank, Bank of Commerce, China Bank, China Bank Savings, Chinatrust Bank (CTBC), Development Bank of Philippines (DBP), East West Bank, Equicom Savings Bank, Malayan Bank, Maybank Philippines, Partner Rural Bank (COTABATO) INC, Philippine Bank of Communications (PBCOM), Phil Business Bank, Philippine Veterans Bank, Philtrust Bank, Philippine Saving Bank (PS Bank), Rizal Commercial Banking Corporation Savings Bank (RCBC), Security Bank, Sterling Bank of Asia, Sun Savings Bank Inc, Yuanta Saving Bank Phils Inc (FKA TongYang), Union Bank of the Philippines, United Coconut Planters Bank (UCPB)

     
     

     [Standard]

     - Other Banks (Landbank included): Above PHP 50,000: Send before 1 PM; receive the next day, Send after 1 PM, receive in 2 days (within bank's business hours)

4. Nepal
   
   • Bank Transfers : Minimum of 10 minutes~ (including weekends and holidays)
   • Cash Pickup : 5 minutes / Claim within partner's business hours
5. Cambodia
   
   • WING: Within 5 minutes to 1 hour (including weekends and holidays)
   • Bank account transfer:
   • -Express Remittance : Within 5 minutes to 1 hour (including weekends and holidays)
   • -Standard Remittance : Within 1 day of local bank transfer time
6. Indonesia
   
   • Bank Transfers : 5 minutes to 1 hour (including weekends and holidays)
7. USA
   
   • Before 1:45 pm (US-ET): Within the day / After 1:45 pm: Within 1-2 days (local bank hours)
8. Canada
   
   • Bank Transfers : Before 9:00 pm (Canada PT): Within 2 days / After 9:00 pm: Within 3 days (local bank hours)
9. Australia
   
   • Bank Transfers : Before 1:00 pm: Next business day / After 1:00 pm: Within 2 days (local bank hours)
10. UK
    
    • Bank Transfers : Within 5 hours (including weekends and holidays)
11. Singapore
    
    • Express Remittance : Within 5 hours (including weekends and holidays)
    • Standard Remittance : Before 2:30 pm: within 3 days / After 2:30 pm: within 4 days (local bank hours)
12. Malaysia
    
    • Bank Transfers : Before 4:00 pm: Within 2 days / After 4:00 pm: Within 3 days (Local bank hours)
13. Myanmar
    
    • Bank Transfers
    • - Express Remittance : Within 15 minutes to 1 hour (including weekends and holidays)
    • - Standard Remittance : Within 1-2 days (local banking hours)
    • Cash Pickup
    • - Claim within 15 minutes (Receive within the local pickup center's business hours)
14. Thailand
• Bank
• - Within 15 minutes to 1 hour (including weekends and holidays)
• - For amounts less than THB 50,000, receive within 15 minutes (including weekends and holidays)
• - For amounts more than THB 50,000, receive within 15 minutes to 1 day (based on local banking hours)

Yes, for cash pickup and some banks, recipients need to present a valid ID. Some only require a phone number and tracking number.

That's okay. If you entered the information in a correct format, there will be no problems.

Remittance service to China is only available to Chinese nationals (recipients).
This is in accordance to Chinese internal laws.

Cash pickup tracking number will be sent to the sender's SMS after completing the transfer request through Auto-Debit or Manual Deposit.
Also, you can check it under [Transaction History].

Some Palawan Express branches in Philippines may require a claiming fee. Please see the details below.

Branch Name		Address	Fee
1	Gacott Pera Padala	Caab St., Cambian, Poblacion, Agutaya, Palawan	Up to 0.5% of the amount
2	Calandangan Pera Padala - Araceli Calandangan	Tudela (Calandangan), Araceli, Palawan
3	Mirales Pera Padala	Manamoc, Cuyo, Palawan
4	Pinoy Express Pera Padala	Sta. Rita, Dumaran, Palawan
5	SNJ Express	Nap Road, Poblacion (Centro), Araceli, Palawan
6	Gate Bill Money Remittance	Aidz Store, San Fernando, El Nido, Palawan
7	Island Money Transfer	Nangalao, Linapacan, Palawan
8	Jaliao Pera Padala Center	San Miguel, Poblacion, Linapacan, Palawan
9	LK’s Express Pera Padala	Covento, Cagayancillo, Palawan
10	NMB Money Transfer - Sanga-Sanga	Sanga-Sanga, Tawi-Tawi
11	NMB Money Transfer - Bongao	Poblacion, Bongao, Tawi-Tawi
12	NMB Money Transfer - Bancalaan	Bancalaan, Balabac, Palawan	Up to 1% of the amount
13	NMB Money Transfer - Tandubas	Ungos Matata, Silandup, Tandubas, Tawi-Tawi
14	NMB Money Transfer - Marabon	Marabon, Bancalaan, Balabac, Palawan
15	NMB Money Transfer - Mangsee	Mangsee, Balabac, Palawan
16	NMB Money Transfer - Green Island	Green Island, Tumarbong, Roxas, Palawan
17	NMB Money Transfer - Pangutaran	Poblacion Simbahan, Pangutaran, Sulu
18	NMB Money Transfer - Siasi	North Laud, Siasi, Sulu
19	NMB Money Transfer - Panglima Sugala	Malacca, Panglima Sugala, Tawi-Tawi
20	NMB Money Transfer - Sapa-Sapa	Sapa-Sapa, Tawi-Tawi
21	NMB Money Transfer - Simunul	Sukah Bulan, Simunul, Tawi-Tawi
22	NMB Money Transfer - South Ubian	Tampakan Dampong, South Ubian, Tawi-Tawi
23	NMB Money Transfer - Mapun	Liyubud, Mapun, Tawi-Tawi
24	NMB Money Transfer - Mapun-Liyubud	Liyubud, Mapun, Tawi-Tawi
25	NMB Money Transfer - Sibutu	Sheik Makdum, Tandu Banak, Sibutu, Tawi-Tawi
26	NMB Money Transfer - Sibutu 2	Hji Bidin, Poblacion, Sibutu, Tawi-Tawi
27	NMB Money Transfer - Sitangkai	Poblacion, Sitangkai, Tawi-Tawi
28	NMB Money Transfer - Bengkol	Bengkol, South Ubian, Tawi-Tawi
29	NMB Money Transfer - Laminusa	Tengah-Laminusa, Siasi, Sulu
30	NMB Money Transfer - Taganak	Dambila, Poblacion, Tawi-Tawi

Detailed information regarding transaction limits and fees can be found on the Fee Information page.
https://www.sbicosmoney.com/fee
Terms may change according to various internal and local partner's circumstances.

You can send money to some countries. This is a list of countries that can be send to the recipient's corporate account.

1. Philippines(BDO, BPI and PNB bank only)
2. Indonesia

However, this may change depending on the policies of the partner or the local country.

Remittance to select countries require a Receiving Bank Code to process the remittance.
Please check the information below:

1. USA: Routing Number (= ACH Routing Number) 9-digits
2. Canada: EFT Routing Number 9-digits (= Number'0' + 3 Digit Bank Code + 5 Digit Branch Code)
3. Australia: BSB Code (6-digits)
4. United Kingdom: IBAN Code (22-22 digits and English)

All transaction types regulated by the Financial Action Task Force (FATF) and the Korea Financial Intelligence Unit (KOFIU) anti-money laundering (AML) regulations, and transactions related to the countries with global sanctions are regulated.
As a financial institution, we are taking the necessary steps to monitor, restrict, and report transactions deemed to be of violation to Anti-Money Laundering (AML) regulations, in which case the remittance may be delayed or canceled, or additional information may be required.
Remittances bound to the United States, Canada, Australia, the United Kingdom, Singapore and Malaysia may be refused or restricted if the recipient, or the nature of the funds is deemed to be of:

1. Gambling or gaming (including online and offline, excluding video games)
2. Adult industry
3. Arms and ammunition
4. Non-profit organisations
5 .Charities or charitable funds / institutions
6. Trusts

Deposits through virtual accounts will be limited in accordance with Kwangju Bank's voice phishing and financial regulations.

1. You can deposit up to 2 times a day using your virtual account.

The limit on the number of times is only counted when a normal deposit to the virtual account is made.
If the deposit has failed, it will not be counted.
However, if a remittance transaction has been rejected for whatever reasons after a successful virtual account deposit, the deposit will be counted as one time due to a successful deposit to the virtual account.

*. The number of deposits will be reset every day at 12:00 midnight.

2. You can deposit up to 24 million won in two months into a virtual account.

The two-month unit is calculated as January/February, March/April, May/June, July/August, September/October, November/December.
Ex) If you processed 20 million won in July, the balance that can be deposited throughout August is only 4 million won.

*. Deposit limit will reset on the 1st day of odd month (ex. January, March)

When sending money, remittance review may take place if necessary.

Remittance review is a required procedure to prevent financial fraud and illegal foreign exchange transactions. It is put up for safer financial transactions.
If your remittance is under review, SBI Cosmoney has the right to ask for additional information or may ask you to submit additional documents.

ㆍWhen depositing a cashier's check from a different bank
     - Withdrawal can be done after the bank clears the check one banking day after depositing
ㆍWhen a overseas payment is made via card
ㆍWhen an account is being limited from financial transactions
ㆍWhen the transfer limit amount is low
ㆍWhen the account is seized
ㆍWhen a loan is made on the same day of inquiry

KYC (Know Your Customer) is a verification process wherein the customer's identity, including ID, address, and face are validated.

Recipients who undergo KYC verification through the mobile wallet provider can receive higher transfer limits than those who do not undergo the process.
For MOMO, KYC verification is mandatory to be able to receive remittance from overseas.
The receivable limit may vary depending on the KYC verification status of the recipient and on the recipient's mobile wallet provider. Thus, it is best to double check with the recipient first before making a remittance.
Commonly, recipients who have not done KYC verification can only receive amounts below 50,000 VND.
These limits may change based on adjustments on the company policy.

- When making a remittance, always confirm the overseas transfer eligibility and receiving limit of the recipient.
- For MOMO, it is mandatory to verify the recipient's indentity via KYC verification.

YES! Because every card level has a set remittance limit.
Please check the recipient's card level with the bank where the account is held for a more convenient remittance experience.
- Level 1: NO remittance limit
- Level 2: Limit is at 10,000 yuan per day

If you attempt to remit more than 10,000 yuan to a Level 2 card, remittance will not be possible.
In this case, please contact our customer service to change to another card or request cancellation.
* Refunds due to Level 2 card issues may take up to 4 weeks!

You should enter the ACH Routing Number (Electronic)

While most banks have the same ACH Routing Number and ABA Routing Number, there are some banks and branches where the ACH Routing Number and ABA Routing Number are different.
Therefore, please ensure you enter the correct ACH Routing Number (Electronic).

If you unknowingly write either the Wire Routing Number or ABA Routing Number, the transfer may be delayed or canceled.

For USA, Canada, Australia, and the UK, please follow the steps below:
● Check your local bank's website or app
● Look at your account opening documents
● Contact your bank's customer service

[Remittance Certificate Issuance (for Single Transactions)]
Login → Transaction History → Select any completed remittance → Scroll to the bottom of the page → Under Download Certificate, choose between 'Korean' or 'English'

 

[Remittance Statement Issuance (for Multiple Transactions)]

Login → My Page → Remittance Certificate → Set issuance conditions → Tap 'Issue'
* You can issue statements for up to 2 years at a time. If you need records for more than 2 years, please download the documents separately.

 

[Important Notes]
* If you need details for a single transaction, issue a Remittance Certificate from [Transaction History].
* If you need a record of multiple transactions, issue a Remittance Certificate from [My Page].
* Either documents can be downloaded in Korean or English. Only completed transactions are recorded and can be issued a certificate.
* You CANNOT issue a certificate for a specific recipient using the above methods. If needed, you may email us at [email protected].
* This feature is only available on the latest version of the app. If the service does not appear, make sure to update your SBI Cosmoney app to the latest version from the app store.

You can check the issued documents using the methods below. The document's password is your 8-digit date of birth (YYYYMMDD).

[How to check newly issued documents]
● Web: After issuance, open or save the PDF file → Enter the password
● iOS: Click 'Korean' or 'English' for your desired file language → Enter the password
● Android: Click 'Korean' or 'English' for your desired file language → Click OPEN A FILE in the pop-up notice → Enter the password

[How to check issued documents later]
● Web: Go to the Download History at the top right corner of your browser or click Ctrl + J → Open file → Enter password
● iOS: With the file open on your SBI Cosmoney app, click the share button at the top right corner of your screen → Click Save to Files → Choose which folder you want to save the file → Click Save → Go to Files App → Look for and open the file → Enter the password
● Android: With the file open on your SBI Cosmoney app, click the three dots at the top right of your screen → Click Download → Open MY FILES app → Download → SBI Cosmoney → Open the file → Enter the password
* The downloaded file name matches the document number found at the bottom left of the document.

[If the document does not open properly]
● Make sure to use one of the following web browsers: Chrome, Edge, or Whale, or the file reader software Adobe Acrobat Reader might have to be installed on your PC first
● Mobile:
→ Android: Use built-in apps like Micro365 Office or Google Drive
→ iOS: No separate app or viewer needed; can open directly"

The issued documents do not have legal effect, but they can still be used and submitted as reference materials in the following cases:

● Verification of Financial Transactions
Can be used as supporting evidence between parties in financial transactions, and may serve as supplementary proof in case of disputes

● Proof for Institutions or Visa Applications
In some countries, these documents can be attached as supporting materials for tax filings or visa extensions.

● Personal Financial Management
Useful for tracking and managing personal income and expenses.

If you forgot your account details (e-mail or phone number) used when you sign up, please contact our Customer Service.
1800-5344, [email protected]

1. Click the [Login] button to proceed to Login Page.
2. Click the Forgot your password? button, choose how you want to reset your password, choose your gender, enter your date of birth, enter your email address or phone number registered to SBI Cosmoney, then click Request Code.
3. You need to enter the 6-digit verification code that you received on your phone number or email to change your password.

[WEB]
After logging in, you can edit your mobile phone number, password and bank account from the "My Page" menu on the top right of the website.

[APP]
After logging in, you can edit your mobile phone number, password, and bank account from the "My Page" menu at the bottom.

If you want to modify other personal information, please contact our Customer Senter for assistance. 1800-5344, [email protected]
You must use correct personal information in order to use the remittance service.

If you forgot your app passcode, you can delete the app and install again. After re-installation, you can make another passcode after logging in.

Membership withdrawal can be processed through the following channels.

*Web: Login > MyPage > Membership Withdrawal button

*App: Login > MyPage > Account > Membership Withdrawal button

The withdrawal procedure is as follows.

1. Check the Terms and Conditions
2. Select reason for withdrawal
3. Password authentication

Membership withdrawal is prohibited in the following cases:

- If there is a remittance in progress (you can check it in the transaction history)

- In case the refund is not completed (Contact Customer Service)

Members can only use one ID per person.
This is necessary to manage the annual remittance limit per person according to the law.
If you register again and your account has been duplicated, all accounts except the recently registered one will be automatically withdrawn.

1 point is equivalent to 1 won. You can use it for transaction fee.

1. Coupon registration on web/mobile web: Login > Click [Name] > My page > Point/Coupon > Enter coupon code.
2. Coupon registration on mobile app: Login > My page > My point & coupon > Enter coupon code.

Remittance services through app and web is available 24 hours / 7 days a week.
Customer Service Operating Hours and Country Hotlines are as follows:

[Customer Service Operating Hours and Country Hotlines]

1. Head Office
· Weekdays (Mon-Fri) 09:00 AM to 6:00 PM (Lunch Break 12:30 PM to 1:30 PM)
· Weekends (Sat-Sun) 10:00 AM to 7:00 PM (Lunch Break 01:00 PM to 02:00 PM)

- Hotline(Korean, English) : 1800-5344
- Philippines : 010-4496-5344, 070-5208-1667, 070-5208-1378
- Vietnam : 070-5208-0074, 070-5208-3455, 070-5208-0797
- Cambodia : 070-5208-1375
- Indonesia : 010-4421-5344, 070-5208-1489
- Nepal : 070-5208-3457, 010-4418-5344
- China : 070-5208-1491
- Myanmar : 010-4412-5344, 070-4814-0237
- Thailand : 010-5782-5344, 070-5208-0351

2. Local Call Center (same call rates as Korea)
- Philippines (Weekdays: 10:00 ~ 22:00, Weekends: 10:00 ~ 19:00): 070-5208-3453
- Vietnam (Weekdays: 09:00 ~ 22:00, Weekends: 10:00 ~ 19:00): 070-5208-0074, 070-5208-0797, 070-5208-3455
- Nepal (Mon-Tue / Thu-Fri : 11:15 ~ 19:15, Weekends 10:15 ~ 18:15): 070-5208-3457

3. Gimhae Branch
· Weekdays and Weekends (Monday to Sunday) 10:30 AM to 7:30 PM
- Hotline: 1522-3231

Everyday at 23:30 ~ 01:00 / Every second sunday of the month 00:00 ~ 06:00