T-money comes in two forms, a physical card and mobile T-money, with different setup, top-up, and refund steps. Knowing the basics before you travel saves confusion at the gate.
T-money works as a physical card or a mobile card
A physical T-money card is a prepaid plastic card sold at convenience stores and subway stations, while mobile T-money is issued directly on your phone with no physical card needed. Both require a prepaid balance before you can pass through the gate.
Buy a physical card and top it up right away
Physical cards are sold at convenience store counters and subway station ticket machines. Since a newly bought card usually has zero balance, top it up immediately at the same counter or machine using cash, transfer, or card, depending on what the machine supports.
Mobile T-money setup differs by phone type
Android phones typically install the Mobile T-money app and issue a SIM-based card, with top-ups available through linked wallets, credit cards, or carrier billing. iPhones and Apple Watches with NFC, iPhone 7 or later with iOS 16 or later, add a T-money card to the Wallet app and tag with Apple Pay, with no need to unlock the phone or open an app.
Refund limits and fees depend on where you refund
Convenience stores can refund balances up to a brand-specific limit, reportedly up to KRW 30,000 at CU, Ministop, and Emart24, and up to KRW 20,000 at chains like 7-Eleven, with a KRW 500 fee. Subway station customer service counters reportedly handle refunds up to KRW 50,000. These limits and fees can change, so confirm current terms with T-money customer service before you go.
Do not confuse this with a postpaid transit card
T-money is a prepaid card that deducts from a charged balance. A postpaid transit card linked to a credit or debit card bills your transit fares later and requires a completely different registration process. Check your card type before assuming you can ride without a balance.
Frequently Asked Questions
Where can I buy a physical T-money card?
At convenience store counters or subway station ticket machines. Top it up right away since new cards usually start at zero balance.
Can I use T-money on an iPhone?
NFC-capable iPhones, iPhone 7 or later with iOS 16 or later, can add a T-money card to the Wallet app and tag with Apple Pay.
Can I get a full refund at a convenience store?
Convenience store refunds are capped at roughly KRW 20,000 to 30,000 depending on the brand, with a small fee. Larger balances need a subway station counter or the official refund process.
Source and Use Notes
This page summarizes published data for planning. Actual station conditions can differ, so verify them on site.