1* Utilizing the NFC function, you can now use the app as Tmoney on your smartphone * Save money on public transportation by about 10% compared to cash payments and enjoy no extra fees for transfers * You can check balance, reload, or refund anytime. Anywhere. * Charge and refund easily with your credit or debit card (Master, VISA, Amex, JCB, Unionpay) without having to deal with the hassle of currency exchange. * As long as you remember your ID / PW you can protect your balance even if you lo