Introduction

If you want to make your Seoul trip even more special, you should pay attention to "how to custom design a NAMANE card" instead of using a standard card. The NAMANE card, which is as much a hot topic on Reddit and Google as the Climate Card, has become an essential souvenir among travelers because you can create a one-of-a-kind card using your own photos or images of your favorite idols.

Specifically for the 2026 season, the newly released NAMANE card K-pop collaboration 2026 limited edition designs are stimulating the desire of fans to collect them even more.

The overall flow of using a NAMANE card involves "Designing - Manufacturing - Registering on the app - Recharging - Using - and finally, Refunding." In this post, I will guide you through "how to get a refund or withdraw your balance" after finishing your trip. I will explain it slowly with descriptions to make it easy to follow.

(Withdrawing or refunding the total balance from both Pay and Transit accounts through the official NAMANE Card app.)

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If you are curious about previous steps, you can check the information you need below:

• [NAMANE Card #1: Introduction and How to Pre-design Your Card]
• [NAMANE Card #2: How to Find Kiosks and Manufacture a Physical Card / K-pop Collaboration News]
• [NAMANE Card #3: How to Sign Up for the NAMANE App and Register Your Card]
• [NAMANE Card #4: How to Recharge Your NAMANE Card via Kiosk]
• [NAMANE Card #5: How to Recharge Your NAMANE Card via the App]]
• [NAMANE Card #6: How to Recharge Your NAMANE Card at CU Convenience Stores]
• [NAMANE Card #7: How to Use the NAMANE Card / Converting Pay Balance to Transit Balance]

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Table of Contents

1. Refund Regulations and Policies
2. Withdrawal Regulations: When You Can't Get a Refund
3. How to Convert "Transit Balance" to "Pay Balance"
4. How to Withdraw "Pay Balance" as Cash at CU Convenience Stores
5. Frequently Asked Questions (FAQ)

1. Refund Regulations and Policies

(1) General Regulations

• If you have not used the card at all after recharging, you can receive a full refund within 7 days.
• If more than 8 days have passed since the recharge, you can only refund the remaining balance if you have used more than 60% of the final recharged amount.

(2) When Recharged via Real-time Account Transfer in the App

• If more than 7 days have passed since the recharge, you can transfer the remaining amount online using the [Send] > [Transfer Balance] function in the app.

(3) When Recharged with Cash at a Convenience Store

• Same-day Refund: If you apply on the same day without using any of the recharged amount, a full refund is possible. (You must visit the specific store where you recharged with your receipt).
• Within 7 Days: If the recharged amount is unused but it is between 1 and 7 days after the recharge, only 96% of the amount is refunded. (You must contact NAMANE Customer Service with a photo of your receipt).
• After 8 Days: A refund of the remaining balance is only possible if you have actually used more than 60% of the final recharged amount.

2. Withdrawal Regulations: When You Can't Get a Refund

If your situation does not meet the refund criteria above, you should use the "Withdrawal" function instead of a refund application. This applies if:

• Less than 7 days have passed since the recharge, but you have already used the card.
• More than 7 days have passed since the recharge, but you have used less than 60% of the final recharged amount.

In these cases, you can convert your remaining "Transit Balance" to "Pay Balance" and then withdraw the "Pay Balance" as cash at a CU convenience store.

3. How to Convert "Transit Balance" to "Pay Balance"

Under current regulations, "Transit Balance" cannot be directly withdrawn as cash. You must move it to your "Pay Balance" first.

[Step 1] Launch App & Login

Open the app and log in using your password.

(Logging into the app by entering the password for the automatically saved user ID.)

[Step 2] Select "Transit Balance" & "Refund"

Navigate to the "Wallet" icon on the far left of the bottom menu bar, select "Transit Balance," and then tap "Refund."

(Selecting the "Refund" option in the NAMANE Card transit wallet to transfer the balance.)

[Step 3] Scan Physical Card

Turn on NFC and place your physical card against the top-back of your phone. Wait until the screen advances.

(Tagging your physical NAMANE Card via NFC to verify the card ownership for the refund.)

[Step 4] Enter Amount

Enter the amount you wish to transfer and tap "Next."

• Your "Transit Balance" must exceed 500 KRW to perform this conversion, as the one-time conversion fee is 500 KRW.
• The maximum conversion amount per transaction is 30,000 KRW.
• Conversions are limited to 5 times per month.

(Checking your remaining transit balance and entering the specific amount you wish to refund.)

[Step 5] Confirm Transaction

Review the details and tap "Next."

(Reviewing the refund amount and transaction fees before clicking "Next" on the NAMANE Card app.)

[Step 6] Re-scan Physical Card

Place your card against the top-back of your phone again, tap "Next," and wait.

(Holding the NAMANE Card against the back of the phone to complete the NFC refund process.)

[Step 7] Conversion Complete

Once you receive the completion notification, tap "Confirm."

(Successful completion of the refund process; click "Confirm" to return to the main screen.)

4. How to Withdraw "Pay Balance" as Cash at CU Convenience Stores

[Step 1] Launch App & Login

Open the app and log in using your password.

(Logging into the app by entering the password for the automatically saved user ID.)

[Step 2] Select "Pay Balance" & "Withdraw"

Navigate to the "Wallet" icon on the far left of the bottom menu bar, select "Pay Balance" and then tap "Withdraw."

(Navigating to the wallet menu and selecting "Withdraw" to get cash from your NAMANE Card pay balance.)

[Step 3] Enter Amount

Enter the amount you wish to withdraw and tap "Next."

• Your "Pay Balance" must exceed 2,000 KRW because the one-time fee is 1,000 KRW and the minimum withdrawal amount is 1,000 KRW.
• Withdrawals can be requested in units of 1,000 KRW.
• The maximum withdrawal amount per transaction is 30,000 KRW.
• Withdrawals are limited to 5 times per month.

(Entering the desired amount to withdraw from your available NAMANE Card pay balance.)

[Step 4] Confirm Transaction

Review the details and tap "Next."

(Confirming the withdrawal amount and the associated service fee by clicking "Next".)

[Step 5] Agree to Terms

Agree to the terms and tap "Yes, withdraw please."

(Agreeing to the terms and conditions by clicking "Yes, withdraw please" in the NAMANE Card app.)

[Step 6] Enter Password

Enter the password you set during registration.

(Entering your secure 6-digit passcode to authorize the cash withdrawal from your pay balance.)

[Step 7] Present Barcode

Show the barcode on your phone screen to the CU convenience store staff.

(Presenting the generated barcode and guide to the CU store clerk within the 2-minute time limit.)

[Step 8] Withdrawal Complete

Once the withdrawal is finished, tap "Confirm."

(Finalizing the withdrawal process by clicking "Confirm" after receiving the cash at the CU store.)

5. Frequently Asked Questions (FAQ)

Q. Can I get a full refund after using the card?

A. No. Once the card has been used, even if it is within 7 days of recharge, you do not meet the criteria for a full refund. In this case, you should follow the "Withdrawal" process at a CU convenience store to get your cash back.

Q. What are the requirements for converting Transit Balance to Pay Balance?

A. You must have a balance of more than 500 KRW because there is a 500 KRW conversion fee. The maximum amount per conversion is 30,000 KRW, and this action is limited to 5 times per month.

Q. Are there limits and fees for cash withdrawals at CU?

A. Yes. There is a 1,000 KRW fee per withdrawal. The minimum withdrawal is 1,000 KRW (meaning you need at least 2,000 KRW in your Pay Balance), and the maximum is 30,000 KRW per transaction, up to 5 times monthly.

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Image Source: NAMANE Official Website, waytoseoul team