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Recently, as bank interest rates continue to rise, many people are interested in deposits and savings accounts. Financial companies are also pouring out products that offer high interest rates, but if you look closely, it is said that the conditions are quite strict and it is difficult to receive the advertised interest rate.



This is reporter Jeon Yeon-nam.



<Reporter> This is



a savings product offered by an internet bank.



The basic interest rate is 1.8%, but if you use a credit card a lot and take public transportation, you can pay up to 10% a year.



Also, there are products that give preferential interest rates if you agree to receive marketing text messages or spend more than a certain amount at the mart.



As interest rates rise, more than 25 trillion won in bank deposits are piling up in two months, and new products are pouring in.



The problem is that the conditions for receiving a preferential interest rate are difficult.



From last year to September of this year, a total of 2.25 million deposits and savings accounts with these conditions were sold, of which only 7.7% met the conditions and received the advertised interest.



[Hong Ye-rim / Consumers who signed up for high-interest savings savings accounts: When I first saw the notice, I thought 'I could get 10% (the highest interest rate)', but looking at the details, I have to have the first use record, and there must also be a record of using the mart... .] If



you cancel mid-term, there are often conditions that give less interest than general savings and savings accounts.



As a result, 2 out of 10 subscribers canceled mid-term with only low interest, less than 1% per annum.



[Kang Hyung-guk / Secretary General of the Financial Consumer Federation: You can think of it as a strategy to attract customers.

In fact, in most cases (conditions) cannot be met.

If you examine how much real interest you receive (from general products), there is not that much difference.]



Rather than signing up for a product just looking at the highest interest rate, it is necessary to carefully

examine whether you

can meet the preferential rate payment conditions.



(Video coverage: Kang Dong-cheol, video editing: Kim Byung-jik)