Transfers Blocked by Expired Certificate, Fix Fast in 5 Steps Starting with Renewal

If the authentication certificate is expired, transfers will not work.

If the transfer button suddenly stops responding on mobile or PC, suspect certificate expiration first.

User:

"I need to send money right now, why won't it go through?!"

If expired, try renewal before reissue, because renewal extends the existing certificate and is faster.

The promised answer is here first

→ Step 1: Open bank app or internet banking → Certificate menu → Attempt renewal

→ Step 2: If renewal is not possible, proceed to reissue (delete then issue new)

→ Step 3: After reissue, check certificate storage location (phone internal or security token)

→ Step 4: Log out and log back into bank app, then test transfer

→ Step 5: If still not working, contact customer service, Korea Financial Telecommunications and Clearings Institute, or visit a branch for in-person verification

Most cases are resolved at the first step.

The authentication certificate is the electronic signature file formerly called the public certificate, used for bank and securities transfers.

How to renew

Open the bank app, log in, and go to 'Certificate Center' or 'Certificate Management'.

Selecting the renewal menu triggers identity verification (password, mobile verification, etc.).

Successful renewal only extends the validity period of the existing certificate.

If renewal fails, should you reissue

Reissue means deleting the existing certificate and issuing a new one.

If issued on PC, choose to save to 'My PC', and if issued on phone, choose 'My Phone'.

Issuance may require additional verification such as resident registration number, mobile identity check, or email verification.

What to check after reissue

If the storage location changes, the app may not read the certificate.

If you forgot the certificate password, reissue is the only solution.

Restore backed-up certificates to the same location.

If it still does not work

→ 1. Contact your bank's customer center with the current situation (include a screenshot of the error message).

→ 2. Visit the nearest bank branch to get the certificate issued in person with ID.

→ 3. Check with the Korea Financial Telecommunications and Clearings Institute certificate center for system outage status.

Customer service is the fastest channel for account or app issues.

So, what to start with

→ 1. First try 'renewal' in the bank app certificate management.

→ 2. If renewal fails, proceed with reissue (delete then issue new).

→ 3. After issuance, confirm storage location and password, and if problems persist, visit a branch.

This is for reference only.

PickStock 💡

※ This article is for information only and not investment advice.

※ Investment decisions and responsibility lie with the investor.

※ Figures are as of the time of writing and are subject to change.

This article is for information only and not investment advice.