Parking Accounts BEST 5 — After-Tax Interest Across 151 Disclosed Products (August 2026)

Method

Comparing only the top rate shown on a parking account screen can differ from the interest actually received. The applied rate changes by balance tier, some products attach preferential conditions, and 15.4% under standard taxation is withheld when the interest is paid.

So this article checked the actual applied tiers and conditions of each product, then calculated after-tax interest on the same amount over the same period.

Where the figures came from

Savings bank products were checked against the instant-access deposit comparison disclosure on the 저축은행중앙회 consumer portal, as of August 7, 2026. At that time 151 products from 79 savings banks were listed.

Bank parking accounts were checked separately against each bank's official product page and disclosure. The two 전북은행 씨드모아통장 products had their terms verified again on the official product screen on August 9, 2026.

How the list was narrowed

First, products open to individuals, with a top rate of 2% or higher per year, and disclosed in 2026 were kept. Of the 151 savings bank products, 31 met these conditions.

Six bank parking accounts were added, after-tax interest on 10 million KRW held for 92 days was calculated the same way for all of them, and the top five were selected.

The calculation terms

That is also why the comparison period is 92 days. The 씨드모아 preferential rate ends after three months, so comparing over six months or a year would require folding in the base rate as well.

The order was set from disclosed rates, product terms and the calculation above alone.

Parking Accounts BEST 5

1st 전북은행 씨드모아통장 — 85,295 KRW after tax on 10 million over three months

씨드모아 splits into 소액우대 and 고액우대 by the amount held. 소액우대 applies the preferential rate to balances up to 50 million KRW; 고액우대 applies it to the entire balance once the 50 million KRW condition is met.

씨드모아통장 settles interest on the fourth Friday of each month and pays it the next day. Holding 10 million KRW for 92 days gives pre-tax interest of 100,821 KRW and after-tax interest of 85,295 KRW under standard taxation. On the same terms, 50 million KRW gives 426,476 KRW and 100 million KRW gives 852,953 KRW.

The 4.00% applies only for three months from opening, so for money left longer the base rate afterwards has to be calculated separately.

2nd 애큐온저축은행 애큐온모바일자유예금 — 72,501 KRW

The 3.40% base rate carries no separate amount tier, so the calculation does not change as the balance grows.

Holding 10 million KRW for 92 days gives pre-tax interest of 85,698 KRW and after-tax interest of 72,501 KRW. Applying the same rate to 100 million KRW gives 725,010 KRW after tax.

The three-month figure is lower than 씨드모아, but with no period limit it is worth comparing separately for money left long term.

3rd 고려저축은행 보고파플러스 파킹통장 — 66,103 KRW

Holding 10 million KRW at the 3.10% base rate for 92 days gives after-tax interest of 66,103 KRW. Meeting all preferential conditions for 3.40% gives 72,501 KRW.

The gap between the base and maximum rate is 0.30 percentage points, and on 10 million KRW over 92 days the after-tax difference is 6,398 KRW.

4th JT저축은행 점프업Ⅱ저축예금 — 64,184 KRW

At 10 million KRW the whole amount takes 3.01%, giving pre-tax interest of 75,868 KRW and after-tax interest of 64,184 KRW.

Above 50 million KRW, 2.75% applies to the excess. Holding 100 million KRW for 92 days gives after-tax interest of 614,126 KRW.

5th 페퍼저축은행 페퍼스 파킹통장5 — 63,971 KRW

At 10 million KRW, 3.00% applies, giving pre-tax interest of 75,616 KRW and after-tax interest of 63,971 KRW. At 50 million KRW it is 319,857 KRW after tax.

Up to 50 million KRW the calculation is simple, but above that 1.00% applies to the excess, so a larger amount has to be compared against other products again.

Side by side

Picking on the rate alone diverges from the interest actually received. The amount limit the rate applies to, the preferential conditions and the deposit protection range have to be read together.

The deposit protection limit is 100 million KRW per person per financial company, principal and interest combined. The same limit has applied to banks and savings banks since September 1, 2025.

After-tax interest by amount

Pre-tax interest was calculated as principal × annual rate × 92 ÷ 365, and after-tax interest is that figure less 15.4% under standard taxation. Products with several preferential conditions were calculated on the base rate, and 씨드모아 was calculated at the maximum rate because the comparison period matches its preferential period.

At 3 million, 10 million and 50 million KRW the ranking does not change. Up to this range the applied rate of each product does not shift much.

The interest difference does grow with the amount. Over 92 days on 3 million KRW the gap between first and fifth is 6,397 KRW; at 50 million KRW it widens to 106,619 KRW.

At 100 million the gap widens sharply

Raising the balance to 100 million KRW keeps the order of the five the same. What changes is the spacing. Some products apply a low rate above 50 million KRW while others keep the same rate.

Calculated on each product's disclosed rate. 씨드모아 was calculated on the case where the 고액우대 condition is met at a balance of 50 million KRW or more and up to 4.00% applies to the entire balance.

The spread changes. On 10 million KRW the difference between fourth-placed JT 점프업Ⅱ저축예금 and fifth-placed 페퍼스 파킹통장5 is 213 KRW; at 100 million KRW it becomes 187,650 KRW. 페퍼스 파킹통장5 applies 3.00% up to 50 million KRW but 1.00% to the 50 million above that.

애큐온모바일자유예금 and 고려 보고파플러스 파킹통장, by contrast, have no base-rate change by amount across this range, so the calculation at 100 million KRW works the same way.

When close to 100 million KRW is held at one financial company, deposit protection has to be checked alongside. The limit is 100 million KRW per person per financial company, principal and interest combined. Putting in 100 million KRW of principal alone can push the total past the protection limit once interest is added.

Conditions easy to miss when only the top rate is read

Some products look high on the disclosed rate but come out differently once 10 million KRW is actually placed. The amount the high rate applies to, the preferential conditions and the applicable period all differ.

• Where the high rate applies to a small amount SBI저축은행 생활파킹통장 has a disclosed maximum rate of 7.70% per year, but the amount range that rate applies to is limited. A lower rate applies above 2 million KRW, so the whole of 10 million KRW cannot be calculated at the maximum rate. For a product like this, checking the average rate that actually applies across the whole amount is more accurate than the maximum rate.
• Where the base and maximum rates are far apart 웰컴저축은행 웰컴 주거래통장 has a gap between its maximum and base rate. Preferential conditions such as salary transfer, automatic payments and simple-payment usage have to be met to receive the maximum rate. Where meeting the conditions every month is difficult, the calculation should use the base rate or the preferential rate that can actually be received rather than the maximum rate.
• Where monthly usage is required Conditions checked every month, such as card spending or automatic transfers, can drop the preferential rate for that period if they go unmet even once. For money left long term, it is worth looking at how many months the conditions can realistically be kept rather than at the maximum rate.
• Where the preferential period is fixed Some products apply the high rate only for a set period, such as a first-transaction preferential rate. 씨드모아 applies its preferential rate for three months from opening. For money left longer than three months, the base rate after the preferential period has to be folded into the calculation to come close to the interest actually received.

The tax withheld from interest

Deposit interest carries 15.4% tax under standard taxation. It is income tax of 14% plus local income tax of 1.4%, and the bank withholds it when the interest is paid.

Calculated under standard taxation. Where a tax-exempt or different taxation method applies, the actual after-tax interest can differ.

Under the same taxation method, a product with a higher pre-tax rate also gives more after-tax interest. The tax is applied to pre-tax interest at the same rate.

That said, where interest and dividends received over a year exceed 20 million KRW in financial income, comprehensive taxation on financial income can apply. If there are other deposits or dividend income, they have to be added together with parking account interest.

Where to put it by amount

Once the amount is fixed the answer narrows, because each product pays its high rate over a different amount tier.

The 씨드모아 rate of 4.00% applies for three months from opening. For money left longer, the base rate after the preferential period has to be folded into a new calculation. Amounts above 100 million KRW fall outside deposit protection, so splitting them is the safer route.

Split by situation

Money to be used within three months

씨드모아 has a preferential period of three months from opening, which matches the comparison period. Holding 10 million KRW for 92 days gives after-tax interest of 85,295 KRW.

Where the money will stay past three months, the base rate afterwards has to be folded into a new calculation.

Money with no fixed term

애큐온모바일자유예금 applies a base rate of 3.40% per year with no separate preferential period limit. Where the money may stay longer than three months, it can be compared against the 씨드모아 rate after the preferential period ends.

A lump sum above 50 million KRW

Where the 고액우대 condition is met, 씨드모아 고액우대 applies up to 4.00% per year to the entire balance at 50 million KRW or more. Holding 100 million KRW for 92 days gives 852,953 KRW after tax.

애큐온모바일자유예금 gives 725,010 KRW after tax on the same amount. Where the balance approaches 100 million KRW, the deposit protection limit has to be calculated alongside the difference in interest between products.

Not wanting to keep up with preferential conditions

JT 점프업Ⅱ저축예금 and 페퍼스 파킹통장5 apply tiered rates with no separate preferential conditions.

Holding 10 million KRW for 92 days gives 64,184 KRW after tax for JT and 63,971 KRW for 페퍼스. For a larger amount, the rate applied above 50 million KRW differs, so the calculation has to be redone by amount.

Comparing bank products only

Setting savings banks aside leaves 전북은행 씨드모아, 케이뱅크 플러스박스, 카카오뱅크 세이프박스 and 토스뱅크 통장 to compare.

Holding 10 million KRW for three months gives 85,295 KRW for 씨드모아, 36,250 KRW for 케이뱅크, 34,117 KRW for 카카오뱅크 and 21,323 KRW for 토스뱅크.

Recalculating with your own amount and term

Changing the principal, rate or period can change the ranking. An interest calculator that shows after-tax interest from an amount and a period is worth using alongside this.

Frequently Asked Questions

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Based on after-tax interest on 10 million KRW over three months, from each financial company's disclosure