Outlets enthusiastically recommend to apply for online savings card bank electronic cards are welcomed

China Times (chinatimes.net.cn) reporter Lu Mengxue Ran East Beijing report

"Can you get an electronic card?"

A cardholder told the reporter of Huaxia Times that when she recently applied for savings cards at a outlet at SPD Bank, the staff recommended her to apply for an electronic card. After applying for an electronic card at the mobile banking APP, you can use it normally at the bank's offline outlets.

Bank staff said that the demand for physical cards for many customers today is reduced, and it is very fast to get electronic cards. Applying for electronic cards first and then checking can improve the efficiency of offline cards.

Electronic cards only support the opening of the second -class card and three types of cards. This function has been previously recommended, but offline outlets are recommended to handle. Earlier, "Huaxia Times" reported that in order to cooperate with the "broken card", the bank strictly opened the card audit, and many banks also opened a new savings card from one type of card to two types. It also creates conditions for the bank's recommendation to apply for electronic cards.

Dong Ximiao, chief researcher at Zhailian Financial, believes that the recommendation of applying for electronic cards can save some costs for banks on the one hand, and on the other hand, the nature of "card" is still an account, from "card" to "account" as the basis or will or will be or will be "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts" or will be based on "accounts". It is a development direction in the future.

One minute Lightning account opening

"Don't you need a physical card? It is more convenient to get an electronic card."

In the bustling bank business hall, Xiaohan (pseudonym) expressed the need for savings cards, and the staff recommended to apply for electronic cards.

The above scene took place at a business outlet at Beijing at the end of July. Xiao Han told the reporter of the Huaxia Times that many customers who wanted to apply for savings cards that day were asked if they could get an electronic card.

It is not new to open an electronic account, but the situation of being recommended to get an electronic card for offline outlets is relatively rare.

Earlier, "Huaxia Times" reported that in order to cooperate with the "broken card", the bank strictly opened the card audit, and many banks also opened a new savings card from one type of card to two types. It also creates conditions for the bank's recommendation to apply for electronic cards.

"Huaxia Times" reporter downloaded the on -site test of SPD Bank's mobile banking APP and found that online application cards are indeed more convenient and fast. After submitting identity information, work units and other related information, I got a bank card number electronics more than ten seconds later. Card.

However, it is worth noting that Pudong Development Bank electronic cards can only apply for two types of cards (daily limit of 10,000 yuan, annual limit of 200,000 yuan), three types of cards (daily limit of 2,000 yuan, annual limit of 50,000 yuan), and need to be bound One type of card (full -function account). After opening the electronic card, you need to go to the offline bank outlet for on -site verification to use it normally.

"Many users now do not need the needs of physical cards, so they do not want physical cards. And after users apply online, there is no need to fill in some information online. Just verify it, it is more convenient and faster." "Huaxia When the reporter conducted an electronic card test offline, a staff member of SPD Bank said.

With the help of the staff member, the reporter of the Huaxia Times also applied for a physical card, which means that the electronic card that previously opened online has been the same as the physical card function processed offline. Compared with the previous card opening process, this method is indeed faster.

Electronic account function is limited

In addition to SPD Bank, the reporter of Huaxia Times noticed that most banks have their own electronic card opening channels, which are essentially electronic accounts. Three types of electronic cards. However, the titles of various banks are different, such as Everbright Bank, China Merchants Bank, CITIC Bank, and Bank of China called "electronic accounts", ICBC calls "ICBC E wallet", and Construction Bank is called "E account".

Bank of Communications also said that the second -class account opened by electronic channels confirmed the identity across the scene by the counter and the self -service equipment, and can also handle the amount of cash on the limited amount, the non -binding account funds transfer to the business, the distribution bank card entity card.

However, not all banks, like SPDB and Bank of Communications, support the application of physical cards for electronic cards, and have the same functions as offline physical cards.

"Huaxia Times" reporter noticed that most of the second -class electronic cards processed on the line only supported the transfer and transfer between the binding cards, and did not have the fast payment function of platforms such as WeChat/Alipay/Jingdong. Although some three types of electronic cards can be used for fast payment and transferred with non -binding bank cards, credit cards cannot be repaid, investment and financial management. In addition, many banks' electronic cards do not support converting into physical cards, and they cannot have the same features as offline savings cards.

For example, the staff of CITIC Bank told the reporter of the Huaxia Times that the electronic card applied for the online online only supports the transition to a physical card on the day of the application, which means that the online card handling cards is still closely cooperating with offline outlets. The staff of the Construction Bank said that the bank's E account operations are online, and the offline outlets cannot perform relevant operations. "It is recommended that if you need to use the card to transfer money, or to get a card online, you can use E online to put E E to E. Account sold. "

You can use mobile banking consumption and financial management

Although there are many restrictions on electronic cards, they provide channels for many customers who use mobile banking apps.

"Without CCB card, you can also enjoy the service of CCB." Construction Bank wrote on the opening interface of the E account.

Generally speaking, using a bank's mobile banking APP for consumption and financial management, a bank card of the bank needs to be bound, which makes many customers who do not apply for the bank card to refuse. The electronic account provides a way to solve this problem. A reporter from the Huaxia Times found that opening an electronic account must be bound to one type of card, and this type of card generally supports many account opening banks. For example, Industrial and Commercial Bank of China supports a type of cards for CCB, CCB, ICBC, Bank of Communications, Agricultural Bank of China, and Postal Savings Bank; CITIC Bank's electronic account supports the binding of 12 types of card banks; Guangfa Bank supports the six major state -owned banks and 12 joint -stock banks One type of card and so on.

After the electronic account is successful, if the user needs to consume, wealth management, and repay the loan, you only need to transfer funds to the electronic account.

In addition, although the second -class account and three types of accounts have a certain limit on funds, many banks have relaxed this limit in the fields of investment and wealth management, repayment of loans.

For example, Construction Bank prompts on the E account prompt page to add, "Buying investment wealth management financial products, issuing and returning loans of the Bank will not be subject to the above -mentioned deposit limit." Products (De Libao) and consignment wealth management products (including funds, insurance, precious metals, crude oil, etc.), can also sign a living period, subscribe for savings Treasury bonds and large deposit orders, etc., and there is no limit on the above investment and financial transactions.

Editor -in -chief: Meng Junlian Editor: Zhang Zhiwei

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