Bangul - Savings Goals and Round-Ups App with Bank-Held Savings

Home, goals, goal detail, rules and activity, with the 4-step New goal sheet, a rule sheet with a 3-month preview and a transaction detail sheet for every movement.

Round-ups, weekly transfer, payday, guilty pleasure, rainy day, 52-week challenge and no-spend days. Every saving shows its sum, such as 4,300 to 5,000 = 700 × 2 = 1,400원.

Rules never pull the source account below the customer's buffer, and a weekly maximum caps them within a 300,000원 policy limit. Skipped collections say why, such as a 92,400원 balance.

6 active, 2 paused and 2 completed goals, 10 saving rules, 33 movements and 4 linked accounts and cards with MyData consents that are active, expiring and expired.

Rules That Failed in Silence

In the pilot, a transfer that hit a low balance simply did not happen. Customers saw a goal that grew slower than expected and support had no record of which rule fired, which was skipped and why.

Spending Across Many Issuers

Round-ups need card data from every issuer, not one bank. Under the Credit Information Use and Protection Act, MyData consent is itemised per institution and data type, expires and can be withdrawn at any time, so rules must stop and say so when a consent lapses.

Money Onmaru Must Never Hold

Holding balances could bring Onmaru under the Electronic Financial Transactions Act, so each pocket is a deposit account at Cheongsol Bank in the customer's name. The real-name rules allow withdrawals only to the customer's own accounts, and Bangul stores the identity provider's CI, never the resident registration number.

Deposit Rules Shown Correctly

The Financial Consumer Protection Act requires the rate, interest method and protection to be explained clearly. KDIC protection is per person per bank, not per goal, and interest carries 15.4% withholding tax, so the app has to show gross, tax and net.