은행 및 카드사에서 운영하는 멤버십 서비스
은행이나 카드사에서 멤버십 서비스를 운영하고있습니다. 예를들어 신한플레이(신한카드, 은행), 하나머니(하나은행), 국민은행(liiv mate), 우리Won멤버스(우리은행) 등이 대표적입니다. 일단 멤버십 서비스는 통장이나 카드를 이용하지 않아도 가입할 수 있습니다.
이러한 멤버십 서비스는 사실 앱테크의 원조격입니다. 최근 몇년 짠테크, 앱테크가 유행하면서 가입자도 많이 늘어나고 혜택도 확대가 되어가는 추세입니다. 오늘은 은행이나 카드사에서 운영하는 앱테크의 특징과 각 멤버십에 대해서 분석해보겠습니다.
멤버십 서비스의 특징은?
먼저 멤버십 서비스는 다른 앱테크들과 다른 큰 장점이 하나있습니다. 바로 현금화가 가능하다는 것입니다. 또한 현금화 가능한 최소 금액이 없다는 점입니다. 사실 다른 앱테크를 하다보면 최소 출금수수료가 있는 것도 있고, 아예 현금화가 불가능한 것도 있습니다. 그렇기 때문에 사실 앱테크의 기본은 은행 멤버십 서비스가 되는 것 입니다. 이체 수수료 또한 없기 때문에 최고의 앱테크 입니다.
또한 적립률도 남다릅니다. 은행이나 카드사들은 자신들의 멤버십 서비스를 이용해서 소비자에게 자신들의 상품이나 카드를 홍보하고 판매를 해야 하기 때문에 많은 보상을 주기도 합니다. 따라서 앱테크를 한다라고 하면, 반드시 은행 앱테크는 기본으로 깔고 가야합니다.
신한플레이란? (+ 사용후기)
신한플레이는 신한카드와 신한은행에서 운영하는 멤버십 서비스입니다. 신한카드의 정보와 신한은행의 정보를 모두 볼 수 있습니다. 신한플레이를 먼저 소개해드리는 이유는 제가 사용해본 멤버십 서비스 중 적립이 가장 많이 되었기 때문입니다. 월 평균 2만원 이상은 적립이 되었습니다. 제대로 하면 아마 그 이상도 가능할 것입니다.
신한플레이에서 앱테크를 할 수 있는 방법은 대표적으로 '신한플러스'라는 메뉴와 '진행 중 이벤트'에서 할 수 있습니다. 각 각 카드사와 은행, 증권사의 이벤트를 모아 놓은 것입니다. 대부분 신한플레이 어플 내에서 이벤트 참여가 모두 가능하고 보상이 높은 특징을 가지고 있습니다. 사용하다보면 '와 이렇게나 준다고?'하면서 놀라는 경우가 많이 있습니다.
또한 신한에는 대표적인 퀴즈가 3개 정도 있는데, O/X퀴즈, 쏠야구 퀴즈, 위드퀴즈가 있습니다. 매일 참여가 가능하며 최소 3~ 최대 10,000포인트 까지 적립이 가능합니다. 10,000포인트의 당첨확률이 낮아서 그렇지 퀴즈 앱테크 중에서는 최대 당첨금액입니다.
신한플레이 앱테크를 통해 받은 마이신한포인트는 현금계좌이체, 네이버 포인트 전환 등으로 사용할 수 있습니다.
하나머니(+ 사용후기)
하나머니는 하나은행에서 운영하는 멤버십서비스 입니다. 신한플레이와 조금 다른점은 신한플레이는 자사의 상품이나 서비스를 중심으로 앱테크를 한다고 할 수 있고 하나머니는 광고를 중심으로 앱테크를 한다고 볼 수 있습니다. 이러한 점은 일반적인 앱테크와 비슷합니다. 일반적인 광고중심의 앱테크 + 자사의 상품 홍보로 요약할 수 있겠습니다.
하나머니도 계좌이체나 네이버포인트로 전환이 가능합니다. 이외에도 다양한 방법으로 포인트전환을 할 수 있습니다.
하나머니에서 대표적으로 적립받을 수 있는 방법은 1. 머니사다리 2. 친구초대 3. 출석체크 4.행운상자 5. 광고보고 적립 등이 있습니다. 5. 광고보고 적립은 다른 멤버십 서비스와 내용이나 적립액이 비슷합니다.
위에 5가지 이벤트는 매일 또는 상시로 참여가 가능한 이벤트 입니다. 제일 적립이 많이되는 메뉴는 '친구초대'입니다. 사실 머니사다리는 최소 1 머니에서 최대 5만 머니 까지 당첨이 가능하나 하루에 4명이 당첨됩니다. 당첨확률이 낮습니다.
그래서 확실히 적립이 많이 되는 것은 친구초대 입니다. 초대한 사람, 초대 받은 사람 둘다 2,000머니씩 적립이 100% 됩니다. 아래 추천인 코드를 복사하시고 링크를 클릭해서 가입하세요.
추천인코드
Z5AB7T5A4
>>하나머니 가입하러 가기
liiv mate(+ 사용후기)
신한플레이를 제외하고는 하나머니나 liiv mate, 우리won멤버스는 적립되는 포인트가 적습니다. 그만큼 신한플레이가 압도적으로 많이 적립이 됩니다. 그래도 여러가지를 같이 하면 많이 적립할 수 있습니다.
흔히 리브메이트라고 불립니다. 국민은행의 멤버십 서비스 입니다. liiv mate도 신한플레이와 비슷한 앱테크 방식을 취하고 있습니다. 자사의 상품 등을 홍보하녀 앱테크를 하는 것입니다. 또한 출석체크, 오늘의 퀴즈, 친구초대를 통해 리브 포인트리를 적립받을 수 있습니다. 적립받은 포인트는 계좌이체, 포인트 전환 등 다양한 방법으로 사용할 수 있습니다.
리브메이트(liiv mate)에서 포인트리를 많이 적립받으려면 금융서비스와 연계하여 사용하면 됩니다. 예를들어 kb pay로 결제를 하거나, 국민카드를 사용하거나 , 상품가입, 자산연동을 하면 됩니다. 만약 이렇게 사용한다면 어느 앱테크 보다 적립이 많이 된다고 볼 수 있습니다. 연계형 앱테크로 국민 카드나, 상품, 계좌를 주로 이용하시는 분이라면 그냥 이용하지 말고 함께 연동하여 이용하면 혜택이 배가 됩니다.
우리won멤버스(+ 사용후기)
우리won 멤버스도 다양한 이벤트가 있습니다. 대표적인 것은 우리won로또가 아닐까 십습니다. 당첨만 된다면 어떠한 앱테크 보다 가장 큰 수익일 것입니다. 바로 당첨 상금이 2,000만원이기 때문입니다. 따로 참여조건은 없으며 우리wow또 쿠폰을 다운받으면 자동 참여가 됩니다. 그리고 매주 화요일 마다 추첨을 합니다. 이외에는 OX퀴즈, 빙고 만들기 등으로 매일 적립이 가능합니다.
우리won멤버스도 자사의 상품을 중심으로 앱테크를 할 수 있습니다. 그렇다고 상품가입이나 카드발급을 해야 받을 수 있는것은 아니고 간단한 참여를 통해 꿀 머니를 적립받을 수 있습니다. 꿀머니도 현금으로 계좌이체나 포인트 전환으로 사용할 수 있습니다.
Q&A
가장 많이 하는 질문을 모아봤습니다.
Q : 이용중인 카드나 통장이 있어야 하나요?
A : 아니요. 이용중인 카드나 통장 상품이 없어도 가입 및 포인트 받기가 가능합니다.
Q : 현금으로 계좌이체는 어떻게 하나요? 해당 은행 통장이 있어야 하나요?
A : 멤버십 서비스마다 차이가 있습니다. 자사의 은행 통장으로만 현금 이체가 가능한 것도 있고 통장에 상관없이 이체할 수 있는 곳이 있습니다.
신한플레이의 마이신한포인트는 신한은행 통장으로만 현금이체가 가능합니다.
Q : 포인트 현금 이체 수수료는 얼마인가요?
A : 무료입니다. 얼마를 인출하든 수수료는 없습니다.
Q : 사용 유효기간은 어떻게 되나요?
A : 기본적으로 5년 입니다.
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