"Change Small Deposit Amount Daily Based on Mood"... K-Bank Launches 'Mood Account'

Selecting Emojis and Low Amounts That Match Your Mood

[Asia Economy Reporter Minwoo Lee] K Bank is launching a savings product that allows the MZ generation (Millennials + Generation Z) to select emotion expression emoticons based on their mood and change the small deposit amount accordingly.

K Bank announced on the 8th that it will release this kind of 'Mood Account.' It is a type of the existing parking account called 'Plus Box,' offering an annual interest rate of 1.3% for deposits up to 300 million KRW per day. Customers can create up to 10 accounts, and the interest accumulated daily is paid on the fourth Saturday of each month.

The account features the ability to select an emoji representing daily emotions, write a message like a diary entry, and set a small deposit amount. After signing up for the Mood Account and entering the relevant page, a message saying "How do you feel today?" appears along with various emotion emojis such as happiness, excitement, anger, and sadness. Customers can choose from 20 emojis according to their mood that day.

Depending on the selected emoji, the message and deposit amount are set arbitrarily. For example, the happy emoji sets the message "A day when anything is possible" and a deposit amount of 777 KRW, composed of the lucky number '7.' The sad emoji sets the message "A day when everything feels bothersome" and a deposit amount of 10,004 KRW. Customers can also directly change the message and deposit amount.

A K Bank official explained, "This product is a reinterpretation of the 'Happy Savings Jar,' which is popular on social networking services (SNS) among the MZ generation, where people save money along with notes whenever they feel happy, adapted in K Bank's unique way." He added, "We plan to further add fun elements to the Mood Account by reflecting customer feedback in the future."

This content was produced with the assistance of AI translation services.