CROSS Pay
Get paid, pay, send
All with one account
No branch visit, no paperwork.
Get your own account number right in the app.
- Your own account number, right away
- Subway and buses with this card
- Send money home to your family
Easier than a bank account
Even with no bank nearby, CROSS Pay is always open.
- Opening
- Visit a branchRight in the app
- Documents
- RequiredNot needed
- Topping up
- Bank or ATMAny convenience store
- Send & pay
- Separate servicesOne account
How to top up
No bank visit needed - cash alone is enough.
Convenience store barcode
Top up with cash at a store near you.
KRW 500,000 per transaction
Convenience store ATM
Just follow the steps on the ATM screen.
KRW 300,000 per transaction
Bank transfer
Move money to the account number issued to you.
KRW 2,000,000 per transaction
What you can do with it
One card and one app, from payments to transfers.
Online and in store
Pay at the counter or when you shop online.
Transit card
Ride the subway and buses without topping up separately.
ATM withdrawal
Take out cash at an ATM whenever you need it.
Transfers
Send money home or to someone in Korea right away.
Rewards every time you pay
A little comes back with every payment.
- Every timePoint stamp
- Every payment adds a stamp that comes back as a reward.
- Up to 1%Payment cashback
- No sign-up needed - it comes back automatically on every payment.
- 2xFirst 3 payments
- The weeks right after your card arrives pay back the most.
Spending, managed for you
No budgeting app needed. CROSS Pay analyses your spending and guides you.
Track spending by date, day of week, category and more
See exactly where your money went, neatly sorted.
Simple guides to help you spend smarter
Find out what to cut back on next month.
How to get your card
Apply in the app, then register the card when it arrives.
- 01
Install the app
Download the CROSS app and sign up.
- 02
Verify yourself
Follow the steps to verify your identity.
- 03
Apply
Enter your delivery address and you're done.
- 04
Get your card
Register the card in the app and start using it.
Frequently asked questions
Up to KRW 2,000,000. Deposit and withdrawal limits may vary slightly by customer.
At convenience stores nationwide, at ATMs, or by bank transfer.
Yes - one CROSS Pay card works on both the subway and buses.
Yes - the balance you topped up can be sent overseas directly.
- Balance limit: up to KRW 2,000,000
- Top-up limit — Convenience store: KRW 500,000 per transaction / ATM: KRW 300,000 per transaction / Bank transfer: KRW 2,000,000 per transaction
- Transfer limit (within Korea): KRW 5,000,000 per day
- Withdrawal limit (ATM): KRW 300,000 per transaction / KRW 2,000,000 per day / KRW 5,000,000 per month
- Deposit and withdrawal limits may vary slightly by customer.
Meet CROSS Pay in the CROSS app
Payments, top-ups and transfers — all in one app.