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[國泰KOKO 數位帳戶] 每月非約定轉帳50次的細部限制(KoKo非約定轉帳上限)

國泰的數位帳戶KOKO,主打每個月50次免費轉賬,其實對於中小型個人商戶是挺方便的,但是有些限制在一開始的時候不容易察覺。



限制一:
轉帳不是立刻免手續費,而是在下個月之後,費用才返還。
這點純粹是爽度的問題,因為一般的免費跨行轉帳,都是立刻就免費,只有國泰KOKO的轉帳費用會先扣 15元(每筆轉帳),然後在下個月返還帳戶。

目前筆者知道的免費轉帳有:

  • 台新Richard狗狗,每月5次轉帳
  • 永豐信用卡每月刷一次,隔月免費5次轉帳
  • 富邦好像也有,但個人不熟

限制二:
每筆轉帳金額,非約定轉帳最高5萬每筆。
非約定轉帳各家的金額略有出入,但都在 30k~50k之間。


限制三:
KOKO每月非約定轉帳上限金額,至多20萬。
這倒是挺惱人的,超過20萬的金額移轉,就真的只能到銀行現場領取&匯款了。
順道一提,單日ATM取款最多只能10萬,ATM存款好像是20萬。


限制四:
在一開始申請的時候,不會自動與既有的國泰世華帳戶建立約定轉帳。
一定要去臨櫃之後,才能設定,一開始不知道的時候還挺囧的。





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林小狗研究室 | 區塊鏈, 門羅幣XMR, 數位廣告, 信用卡: [國泰KOKO 數位帳戶] 每月非約定轉帳50次的細部限制(KoKo非約定轉帳上限)
[國泰KOKO 數位帳戶] 每月非約定轉帳50次的細部限制(KoKo非約定轉帳上限)
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林小狗研究室 | 區塊鏈, 門羅幣XMR, 數位廣告, 信用卡
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