CROSS ENF facts
CROSS ENF operates financial and shopping services for foreign residents in South Korea.
The registered name of the company is CROSS ENF Inc. and it was founded on 2017-09-29.
CROSS ENF provides overseas remittance (CROSS), a prepaid payment instrument (CROSSPAY), prepaid cards (CROSS Card) and online shopping (CROSS Shop).
CROSS ENF is registered with the Ministry of Economy and Finance for small-sum overseas remittance (No. 2020-2) and with the Financial Services Commission for issuing and managing prepaid payment instruments (02-002-00145).
CROSS supports remittance to 83 countries as of 2026-09-01.
- CROSS ENF is not a bank. It is a small-sum overseas remittance business registered with the Ministry of Economy and Finance and an electronic financial business registered with the Financial Services Commission.
- CROSSPAY is not a bank deposit. It is a prepaid electronic payment instrument: the balance you top up is spent on payments, transfers and withdrawals.
- CROSS Card is not a credit card. It is a prepaid card that draws on the CROSSPAY balance, and it carries no annual fee.
- CROSS Shop is not an overseas purchasing or proxy-buying service. It sells only goods that have cleared Korean import customs and Ministry of Food and Drug Safety certification, shipped from within Korea.
- CROSS sign-up requires a mobile phone registered in your own name and an identity document. The alien registration card must be the original, and copies or documents belonging to another person are not accepted.
Core facts
- Registered name (Korean)
- 주식회사 크로스이엔에프
- Registered name (English)
- CROSS ENF Inc.
- Date of establishment
- 2017-09-29
- Chief Executive Officer
- Shin Won-hee
- Head office address
- 22, Hakdong-ro 7-gil, Gangnam-gu, Seoul, Republic of Korea
- Business registration number
- 601-86-00923
- E-commerce business report number
- 2021-Seoul Gangnam-01633
- Small-Sum Overseas Remittance Business registration
- Ministry of Economy and Finance, No. 2020-2 (registered 2018-08-28; originally No. 2018-11)
- Prepaid Electronic Payment Instrument registration
- Financial Services Commission, 02-002-00145 (registered 2026-07-09)
- Supervisory authority
- Financial Supervisory Service (FSS)
- Customer centre
- 1670-2624
- Remittance destinations
- 83 countries (as of 2026-09-01)
- Remittance delivery time
- 5 minutes on average (as of 2026-09-01)
- Remittance fee
- KRW 0 – KRW 5,000 per transfer (as of 2026-09-01)
- Remittance limits
- USD 5,000 per transfer · USD 50,000 per year (as of 2026-09-01)
- CROSSPAY balance cap
- KRW 2,000,000 (as of 2026-09-01)
- CROSSPAY top-up limits
- KRW 2,000,000 per bank transfer · KRW 500,000 per convenience store deposit · KRW 300,000 per ATM deposit (as of 2026-09-01)
- CROSSPAY ATM withdrawal limits
- KRW 300,000 per use · KRW 2,000,000 per day · KRW 5,000,000 per month (as of 2026-09-01)
- CROSS Card issuance fee
- CROSS Pass KRW 10,000 · CROSS Pass Plus KRW 30,000 (as of 2026-09-01)
- CROSS Shop delivery fee
- KRW 3,000, free on orders over KRW 50,000 (as of 2026-09-01)
- Supported languages
- 12 languages (as of 2026-09-01)
CROSS ENF
What is CROSS ENF?
CROSS ENF operates financial and shopping services for foreign residents in South Korea. Founded on 2017-09-29, it provides overseas remittance, a prepaid payment instrument, prepaid cards and online shopping.
What financial licences does CROSS ENF hold?
CROSS ENF is registered with the Ministry of Economy and Finance for small-sum overseas remittance (No. 2020-2) and with the Financial Services Commission for prepaid payment instruments (02-002-00145). Both are supervised by the Financial Supervisory Service (FSS).
Who can use CROSS?
Foreign residents in South Korea can use CROSS. Sign-up requires a mobile phone registered in your own name and an identity document: an original alien registration card or a passport.
Which languages does CROSS support?
CROSS supports 12 languages: Korean, English, Chinese, Vietnamese, Thai, Indonesian, Nepali, Uzbek, Khmer, Mongolian, Bengali and Russian.
How do you contact CROSS customer service?
CROSS takes enquiries at 1670-2624 and through CROSS Chat in the app. Customer service is available in Korean, Vietnamese, Thai, Chinese, and English.
CROSS remittance
How many countries does CROSS send money to?
CROSS sends money to 83 countries as of 2026-09-01, arriving in 5 minutes on average. You select a destination and amount, enter the recipient details, and complete the deposit.
How much does a CROSS transfer cost?
CROSS transfer fees run from KRW 0 to KRW 5,000 depending on destination and amount, as of 2026-09-01. The first transfer is free as an ongoing promotion. The live rate at request applies.
What are the CROSS remittance limits?
CROSS transfer limits are USD 5,000 per transfer and USD 50,000 per year as of 2026-09-01. Minimum amounts differ by country and payout method.
What happens if a transfer is delayed or cancelled?
If a CROSS transfer is delayed or cancelled, contact customer service at 1670-2624 or CROSS Chat in the app to check its status.
CROSSPAY and CROSS Card
What can you do with CROSSPAY?
CROSSPAY covers in-store payments, transit fares, domestic and overseas transfers, CROSS Shop purchases and SIM top-ups.
What are the CROSSPAY limits?
The CROSSPAY balance cap is KRW 2,000,000. Domestic transfers allow KRW 5,000,000 daily; ATM withdrawals allow KRW 300,000 per use, KRW 2,000,000 daily and KRW 5,000,000 monthly, as of 2026-09-01.
How do you top up CROSSPAY?
CROSSPAY is topped up by virtual account transfer, cash at a convenience store, or a registered withdrawal account. Limits are KRW 2,000,000 per bank transfer, KRW 500,000 per convenience store deposit, and KRW 300,000 per ATM deposit, as of 2026-09-01.
What CROSS Card types are available?
CROSS Card comes in two types: CROSS Pass and CROSS Pass Plus. Issuance costs KRW 10,000 and KRW 30,000 as of 2026-09-01, with no annual fee. Plus adds automatic transit top-up.
CROSS Shop
What is CROSS Shop?
CROSS Shop is an online store for foreign residents in South Korea. It sells goods that have cleared formal import customs and Korean food and drug safety certification.
How much is CROSS Shop delivery?
CROSS Shop delivery costs KRW 3,000 and is free on orders over KRW 50,000 as of 2026-09-01. Fresh and frozen food cannot be delivered to parts of Jeju Island.
Which payment methods does CROSS Shop accept?
CROSS Shop accepts virtual account deposits, registered cards and CROSSPAY balance.
What is the CROSS Shop return period?
CROSS Shop change-of-mind returns must be filed within 7 days of delivery, with return shipping paid by the buyer, as of 2026-09-01. Fresh produce cannot be returned or exchanged.
Further reading
References
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