New to Korea’s transit? T-Money is the rechargeable card that unlocks buses, subways, and even many taxis nationwide. This guide shows you exactly how to buy it, tag it, stack Seoul’s transfer discounts (30-minute window by day, 60 minutes at night) up to four times, and get any leftover balance refunded before you fly out.
What is T-Money (and where it works)?
- Accepted on virtually all Seoul–metro buses & subways, and widely across Korea (Busan, Daegu, Daejeon, Incheon, Jeju, etc.).
- Also usable at many convenience stores and lockers; some taxis accept it via an onboard reader.
- Physical cards + mobile options (Samsung Wallet, Android “Mobile T-Money,” and iPhone’s Apple Wallet support).
Buy, register, and top up (first 5 minutes)
How to tag on buses, subways, and taxis
- Subway: Tag in at the gate to enter and tag out to exit. Line-to-line changes inside the station count as one continuous ride.
- Bus: Tag when boarding and when alighting—this calculates distance and preserves transfer discounts.
- Taxi: Pay on the reader if it displays T-Money support.
Seoul transfer discount — the 5 golden rules
- Time window: Next boarding within 30 minutes from last tag-out (or 60 minutes between 21:00–07:00).
- Count: Up to 4 transfers (i.e., 5 rides total) per journey.
- Mode mix: Bus↔Subway and Bus↔Bus are eligible; same bus route twice in a row does not get a discount.
- Tagging: Every leg must be properly tagged out/in, or the system treats the next ride as a new trip.
- Fare math: Seoul uses integrated, distance-based pricing. A small minimum increment (often ~₩250) can apply with each transfer depending on distance/line.
Important exceptions (airport lines & surcharges)
- AREX: The All-stop train integrates with Seoul’s fare system. The Express (non-stop) uses separate, reserved-seat tickets and does not participate in transfer discounts.
- Shinbundang & some lines: add a supplemental surcharge even with T-Money.
Single-journey subway tickets & the ₩500 deposit
Subway-only single-journey cards include a ₩500 refundable deposit. After exiting, find the “Deposit Refund Device” and insert the card to get ₩500 back.
Refund your remaining balance
- At convenience stores: Refunds for balances ≤ ₩20,000; a ₩500 service fee applies; card cost isn’t refundable.
- Higher balances: Visit a subway service center or T-Money Town (Seoul City Tower, near Seoul Station) for larger refunds.
Mobile T-Money: Samsung & Apple Wallet
Apple Wallet (launched 2025-07): Add a T-Money transit card and use Express Mode to tap without unlocking. In-Wallet top-ups generally require a Korean-issued payment method; travelers can still top up the device/card with cash at stations/convenience stores as needed.
Samsung Wallet / Android Mobile T-Money: Mature support; easiest if you have Korean payment credentials. Otherwise, use cash top-ups.
Samsung Wallet / Android Mobile T-Money: Mature support; easiest if you have Korean payment credentials. Otherwise, use cash top-ups.
Quick checklist
- Always tag out on buses and subways.
- Make your next boarding within 30 minutes (or 60 minutes 21:00–07:00).
- Avoid same-route bus back-to-back if you want the discount.
- For airport trips, use AREX all-stop for integrated fares; Express is separate.
- Refund ≤ ₩20,000 at convenience stores (₩500 fee); larger refunds at service centers or T-Money HQ.