Collection Account Management Savings 2026.06.16

Tips to Manage Your Account and Automate Savings to Stop Leaking Salary

From splitting accounts to saving spare change, create a saving habit

It's often said that salaries disappear as soon as they come in. That's why it's important to establish a collecting structure in advance.

Using automatic saving mechanisms like splitting accounts, setting savings goals, or collecting spare change allows you to accumulate money without relying solely on willpower.

We have gathered apps that can assist with account management and automated savings. Try creating a savings habit in a way that suits you.

Toss

This financial service combines remittance, inquiry, and savings all in one app. It features the ability to set a savings goal and automatically accumulate money or save spare change after transactions, creating a structure that allows money to build without relying solely on willpower. It's also convenient for managing accounts by categorizing them based on purpose, allowing you to view your assets at a glance.

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Kakao Bank

This is a popular internet-only bank known for its ease of use. You can separate your emergency fund using Safe Box, or manage funds by purpose with 26-week savings or group accounts. With a familiar interface and simple transfers, even those who are just starting to split accounts can use it without feeling stressed.

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Toss Bank

An internet-only bank created by Toss, it offers features like interest on balances and automatic savings. It's useful for dividing accounts by purpose and automatically accumulating spare money, and it can be fun to receive interest regularly based on different conditions. It connects well with the Toss app, making it easy to manage assets.

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Kakao Pay

This is a lifestyle finance service focused on payments and remittances, providing expense management and small savings features. You can collect spare amounts while making regular purchases and check your spending, making it easy to start managing money without too much effort. It's ideal for those who want to add a saving habit to their frequently used payment apps.

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Bank Salad

This is an asset management app that consolidates various bank and card assets. It allows you to get a quick overview of account balances and monthly expenses, which is useful for identifying where money is leaking and for planning your account splitting strategy. Regularly checking asset changes helps in managing savings goals effectively.

Finnq

This is a lifestyle finance app that assists with expense management and savings. It analyzes spending and provides accumulation features, making it a great reference for those looking to reduce leaking money and reach their savings goals. With spending alerts and savings assistance features, it helps you form the habit of money management effortlessly.

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Shinhan SOL

This is the mobile banking app of Shinhan Bank, where you can manage savings products like installment savings and automatic transfers. It’s great for linking with your salary account to create a structure where savings and living expenses are split automatically on payday. Employees who use Shinhan Bank as their primary bank can take advantage of this for automating account management.

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Savings are influenced more by structure than by willpower. It's more effective to set up mechanisms in advance so that money is automatically collected when your salary arrives.

Choose a method that works for you among account splitting, goal savings, or collecting spare change. We hope you use the above apps to reduce leaking money and develop a saving habit.

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