With regard to the new rules for bank cards, what can banks I, II, and III accounts do?

Can an individual only have one bank card in the same bank?

This is a misunderstanding: there can only be one Class I account!

One of the new rules for central bank accounts that began to be implemented yesterday is that “individuals can only open one type I account in the same bank”. Many people have the misunderstanding that in the future, individuals can only apply for one bank card in a bank. This is not the case. Now let's learn how to distinguish between I, II, and III accounts, and how to open these accounts.

A customer can only apply for one type I account

What exactly is a Class I account? “You can understand a type I account as a 'family small vault', which is the most powerful and powerful after opening, but it does not need to be moved outside every day.” ICBC related staff said, “I class households must pass through the bank cabinet. On-site processing, after opening, customers can use this account to purchase financial products such as wealth management products, cash withdrawal, transfer, consumption and payment payment, etc. There is no limit."

In fact, after the official implementation of the new rules for the central bank account yesterday, the original bank card in the hands of everyone has automatically become a class I account, and the public can do nothing. However, if you go to the bank to handle the counter business, the bank will remind the customer to choose one of them as a class I account, and the other cards will be automatically downgraded to class II (similar to the wallet that everyone goes out with, the spending limit is limited) or the class III household ( Similar to "small change bag", can only be used for small payments).

If there is already a bank card, what kind of account does the card open at the same bank? Belongs to Class II or Class III households.

Bank staff reminded that in order to prevent large amounts of funds from being stolen, it is best for citizens to replace accounts tied to third-party payment accounts with Class II or Class III households. Class II and Class III households can be opened through mobile banking or direct banking.

Alipay individual user single day transfer limit of 100 pens

At 0:00 yesterday, when the new regulations of the central bank officially landed, Alipay, which had been silent for a while, announced that it would adjust some of its business rules, mainly related to payment account management and transfer management.

According to the “Announcement on Combating Telecom Fraud Protection User Fund Security” issued by Alipay official Weibo, from December 1st, the same user can only open a Class III payment account in Alipay; the newly registered account is 6 from the date of registration. If there is no transaction within the month, the account may be suspended. After re-authentication, it can be used again. If multiple accounts correspond to the same mobile phone number and are not reasonable, Alipay will inform and clean such accounts. In addition, from December 1st, when using the Alipay account to transfer funds, the maximum number of transfers per day is 100. The single transfer amount requirement remains unchanged.

Alipay said that no unit or individual can buy or sell POS machines online. Alipay will no longer provide collection services for merchants selling pos machines and card reader terminals. It is worth mentioning that according to Alipay's latest user service agreement, the maximum limit for 100-day transfer is only for individual users, and enterprise users are not subject to this restriction.

News Help: Bank I, II, III Accounts

Class I households: Full-featured bank settlement accounts must be opened at the counter or through bank self-service machines, after the face-to-face audit of the bank staff, to handle deposits, purchase financial products and other financial products, withdraw cash, transfer, and There is no limit to all financial services such as payment of contributions.

Class II households: can handle deposits, purchase financial products such as investment and wealth management products, limit consumption and payment, and limit the transfer of funds to unbound accounts. After the bank staff confirms their identity face to face, the Class II households can also transfer cash and unbound account funds into the business, and can distribute the bank card entity card. Among them, the total amount of funds transferred to the non-binding accounts of Class II households and deposited in cash is 10,000 yuan, and the total annual accumulated limit is 200,000 yuan; consumption and payment, transfer of funds to unbound accounts, cash withdrawal days The cumulative limit is 10,000 yuan, and the total annual limit is 200,000 yuan.

Class III households: can only handle the limit consumption and payment, and limit the transfer of funds to unbound accounts. After the bank counters and self-service equipment are used to confirm the identity of the bank staff on the spot, the Class III households can also transfer the unbound account funds into the business. Among them, the balance of the class III household account shall not exceed 1,000 yuan; the cumulative limit of the unconstrained account fund transfer date shall be 5,000 yuan, and the annual cumulative limit shall be 100,000 yuan; the consumption and payment payment, and the cumulative daily limit of funds transferred to the unbound account The total is 5,000 yuan, and the annual cumulative limit is 100,000 yuan.