Kakao Money is your balance in your kakaopay account, rather than a loyalty programme. Like Alipay, you can use this to buy things in offline shops directly and send it to your kakaotalk friends without a transfer fee. If you're from Africa, this may be useful because this is the most similar app with the African Mobile Money system.

You can recharge it from your bank account, but the minimum recharging amount is 10,000 KRW. If it doesn't have enough balance to send money to someone another, it will be automatically recharged from your bank account.

- Those transfer information can be changed by the operator, without any prior notice.
- The 카카오머니 reward programme is operated by or on behalf of 카카오페이(kakaopay corp) and is subject to terms, conditions and restrictions. For details, please visit https://www.kakaopay.com/