Shinhan Bank’s Super SOL Welcome Fixed Deposit was reported to offer up to 4% annual interest on a one-year term, but 4% is a preferential maximum, not the base rate. MoneyToday reported on October 12, 2026, that the base rate was 3.6%, with the top rate dependent on meeting two conditions. The report also gave a ₩500 billion total sales cap; it did not establish how much capacity remained or whether applications are still open.
What the reported 4% rate means
The Super SOL Welcome Fixed Deposit launched on October 6, 2026, according to MoneyToday’s October 12 report. Its reported rates differ by term:
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| Term | Base annual rate | Maximum annual rate with preferences |
|---|---|---|
| Six months | 3.3% | 3.7% |
| One year | 3.6% | 4% |
These are the rates reported by MoneyToday, not a verified current offer or a complete official product disclosure. The report says the maximum one-year rate requires qualifying for both preferential-rate conditions.
How the reported preferential conditions work
MoneyToday reported two ways to earn an additional 0.2 percentage points each on the one-year deposit:
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- Recent first login to Super SOL: Open the deposit within six months of your first login to Shinhan Super SOL.
- Qualifying salary deposits: If you had no salary-transfer history with Shinhan during the six months before opening the deposit, make salary deposits of at least ₩500,000 per transaction for at least three months after opening.
The report describes these conditions, but does not provide the full contractual definitions or establish how the bank verifies eligibility. Check Shinhan’s current product terms before opening the account, especially if your salary payment is identified or processed differently from a standard salary transfer.
Deposit limits and sales cap
The reported minimum deposit is ₩500,000 and the maximum is ₩20 million. Total sales were capped at ₩500 billion on a first-come, first-served basis, according to the October 12 report. That figure is the overall offer cap, not an individual account limit; the report does not say how much remained available on that date or whether the offer is still open.
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Does this show 4% deposits spreading to major South Korean banks?
It indicates competition among some banks, but the available October 12 snapshot does not establish that a broad group of major commercial banks had launched comparable 4% offers. MoneyToday reported that Gwangju Bank had raised the maximum annual rate on its one-year Good Start Deposit to 4.04% on September 29 and then reduced it. As of October 12, the report named BNK Busan Bank and Standard Chartered Bank Korea as the only other banks offering rates above 4%. This is a dated market snapshot, not a live ranking.
The Financial Services Commission’s July 23, 2025 announcement identifies Shinhan, Woori, KB Kookmin, Hana, and NongHyup as domestically systemically important banks for 2026. That designation provides institutional context; it does not mean those banks offered the same product or rate.
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What to verify before choosing the deposit
Compare deposits at the same maturity and check the details that determine what you will actually earn and whether the account fits your needs:
- Whether the quoted rate is a base rate or a maximum, and which conditions unlock any additional interest.
- Whether the bank is accepting applications and whether capacity remains under the sales cap.
- The minimum and maximum deposit, along with any account-specific restrictions.
- Early-termination and withdrawal terms. MoneyToday’s report does not establish these contract details.
Also confirm the current official rate and full terms directly with Shinhan. MoneyToday’s English article notes that it was translated using AI and may differ slightly from the original; it is a contemporaneous news report, not a substitute for the bank’s product disclosure.
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Deposit-insurance context
Shinhan Financial Group’s 2025 Form 20-F says Korea’s deposit-insurance limit increased from ₩50 million to ₩100 million per depositor per bank, effective September 2025. The filing is available from the U.S. Securities and Exchange Commission. This is general coverage information: your total deposits at the same bank and the applicable coverage rules determine how it applies to you.
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