202 1 bank card requires work certificate.

202 1 you need to bring your ID card to apply for a bank card.

For cardholders who hold multiple bank cards, industry insiders suggest that they

202 1 bank card requires work certificate.

202 1 you need to bring your ID card to apply for a bank card.

For cardholders who hold multiple bank cards, industry insiders suggest that they can regularly sort out their bank accounts and assets under their names and actively sort out and merge their Class I bank card accounts. Among them, the "sleep account" with zero funds in the account and long-term unused should be cancelled in time to reduce the risk of illegal misappropriation of the account. Before canceling the bank card account, we should pay attention to various third-party agreements such as withholding, third-party depository and related repayment. Since cracking down on illegal trading of "two cards", some banks have raised the threshold for new card users.

Is it really difficult to open a bank card?

Recently, a blogger of a video website spoke out about the "difficulty" of running a debit card in a foreign joint-stock bank, which attracted attention. Bloggers say they are freelancers and housewives. When he opened the card, he was repeatedly asked by the bank staff about the reason, purpose and reasons for choosing the bank. He also asked for supporting documents such as contracts. Under the video comments of bloggers, many netizens said that they had similar experiences. Is it really so difficult for banks to handle debit cards?

Recently, Beijing Youth Daily reporter found that there are great regional differences in debit card account opening procedures and requirements, and different banks in the same region are also different. For example, Beijing is relatively easy, and Guangdong and other places are very strict; Among banks, the requirements of Agricultural Bank of China are stricter. Generally speaking, banks are much more cautious than before.

interview

Many banks in Beijing can open cards with their ID cards.

Beiqing Daily Consulting visited a number of joint-stock banks and state-owned banks in Beijing, and all said that no matter whether they are freelancers or not, they can apply for a card with their ID cards, but there are still some differences among banks in terms of specific requirements.

The staff of a branch in Chaoyang, a joint-stock bank, said that ordinary customers can open cards with smart devices in three to five minutes with their ID cards, but if they don't have a formal job, they need to go to the counter. In addition, debit cards opened by the elderly may not be able to open mobile banking.

The account manager of another joint-stock bank said that customers without formal occupation only need to open cards and bring their ID cards.

The account manager of a branch of a state-owned bank in Xicheng said that under normal circumstances, you can use your ID card to open a card, but if sensitive people such as the elderly want to open mobile banking at the same time, they will definitely ask questions about the use of funds in detail to prevent fraud risks.

The staff of these banks all said that when opening the card, they would ask the customer the purpose of the card and answer truthfully. General customers are paying salaries or managing money.

truth

Different banks in the same area have different card opening conditions.

Agricultural Bank of Beijing: Other certificates are required to open a Class I account.

The results show that among the banks visited, China Agricultural Bank has the most stringent requirements. The lobby manager of an agricultural bank branch in Dongcheng District said that if the newly opened account is a Class I account or a newly opened debit card, it is necessary to open mobile banking and online banking. In addition to the ID card, you need to provide other photo identification, such as driver's license and medical insurance card. , the household registration book is also ok. If you only open a second-class account, your ID card will do.

It is understood that the difference between Class I accounts and Class II accounts of banks is that Class I accounts are full-featured accounts, which can be used for various businesses such as large deposit and withdrawal, transfer, consumer payment, investment and wealth management, etc., and the scope of use is not limited, and there is no limit; Class II accounts are convenient wealth management accounts, which are used to purchase financial products such as investment and wealth management, as well as limit consumption and payment. And there will be certain restrictions.

The lobby manager suggested that gullible people, such as the elderly, should open a Class II account if they just want to bind Alipay and WeChat for daily payment, which is "less risky".

Customer service of ICBC in Beijing: We will pay a return visit to the newly opened account.

The customer service of ICBC said that you can apply for a debit card at a bank outlet with your ID card. When opening an account, the staff will call the customer's mobile phone number or send a text message to verify whether it is handled for you. It is worth noting that in the near future, ICBC will pay a telephone call back to the newly opened account, and control the abnormal situation that the account has not been used by myself and cannot be contacted many times within one week. If this happens, you need to bring your ID card and bank card to any outlet for identity verification, and then deregulate.

Banks in Guangdong and other regions: it takes more than one certificate to open a card.

Compared with Beijing, many banks in Guangdong have much stricter requirements for handling debit cards. ICBC customer service said that some outlets in Guangzhou were temporarily unable to open accounts.

It is reported that China Bank in Jiangmen, Guangdong Province needs customers to provide proof of work and social security to apply for a bank savings card. China CITIC Bank in Shantou, Guangdong Province requires supporting documents to prove the source of income, and can only open a bank card with a daily transfer deposit limit of 5,000 yuan, which can only be increased after a period of use.

It is understood that almost all banks in Shenzhen have strict requirements for individual account opening, and the requirements for procedures and materials are different. The information that may need to be provided includes ID card, social security payment record for more than half a year in Shenzhen, work certificate with official seal of the unit, mobile phone access certificate for more than half a year, residence certificate, etc. Among them, the access time of ID card and mobile phone number is almost a rigid requirement of the bank, and other materials depend on the bank's own requirements. In addition, when handling the card opening business, bank staff must ask users about the purpose of opening an account, watch the warning video of "selling cards for one day, life is limited", and sign the Notice of Legal Responsibility and Precautions for Illegal Crimes.

remind

The "sleep account" under the personal name should be cancelled in time.

It is worth noting that in addition to strictly controlling card opening, banks are also actively cleaning up excess stock accounts held by individual customers.

Everbright Bank recently announced that it will clean up personal sleep accounts and long-term fixed accounts, focusing on the situation that one person holds more than four Class I cards of the bank. Ping An Bank and Industrial Bank have also issued announcements to clean up existing accounts, including "multiple accounts for one person" and "long-term fixed accounts".

The announcement (1) issued by the Postal Savings Bank as early as February 29 last year indicated that the number of individual settlement accounts under the same customer's name would be cleared by stages before June 30, 2026 (that is, Class I households 1, Class II households 5 and Class III households 5). If the above situation exists in the account, I will go to any branch of the bank for reasonable registration, demotion and account cancellation as soon as possible with valid real name certificate. For overdue accounts, banks will restrict financial services.

In April this year, China CITIC Bank made it clear that the number of customers held by the same person in Class I, Class II and Class III households should not exceed 4, 5 and 5 respectively, and the application scope and amount limit of the above three types of bank cards are decreasing in turn.

For cardholders who hold multiple bank cards, industry insiders suggest that they can regularly sort out their bank accounts and assets under their names and actively sort out and merge their Class I bank card accounts. Among them, the "sleep account" with zero funds in the account and long-term unused should be cancelled in time to reduce the risk of illegal misappropriation of the account. Before canceling the bank card account, we should pay attention to various third-party agreements such as withholding, third-party depository and related repayment.

Banks tend to be cautious when opening cards in areas with frequent criminal activities.

Insiders pointed out that behind the difficulty of opening bank cards in some areas, the results of the "broken card" action appeared.

On June 5438+ 10 last year, a national deployment meeting of "card breaking" was held at the inter-ministerial joint meeting on combating and controlling new crimes in telecommunication networks in the State Council. The meeting demanded that credit punishment should be intensified, and units and individuals who rent, sell, lend or buy bank accounts or payment accounts recognized by public security organs and relevant organizers, and units and individuals who use other people's identities or fictitious agency relationships to open bank accounts or payment accounts should be punished by suspending all business of their bank accounts and payment accounts within five years and not opening new accounts for them. It is necessary to formulate disciplinary measures for untrustworthy users who rent, lend, sell or buy calling cards, and publicly expose a number of business outlets and industry personnel involved in the "two certificates".

From June 5438 to February 2020, the Supreme People's Court, the Supreme People's Procuratorate, the Ministry of Public Security, the Ministry of Industry and Information Technology and the People's Bank of China jointly issued the Notice on Severely Cracking Down on Illegal Trading of Telephone Cards and Bank Cards in accordance with the Law, and severely cracked down on illegal trading of "two cards" with a "zero tolerance" attitude. The circular stressed that the telecommunications industry regulatory authorities and the People's Bank of China will strengthen industry supervision according to law, and telecommunications enterprises, banking financial institutions and non-bank payment institutions should implement the main responsibility and strengthen risk prevention and control in accordance with the principle of "whoever opens the card is responsible".

Industry insiders told Beiqing Daily that under the influence of the principle of "who opens the card, who is responsible", some banks have also raised the threshold for new card users, and banks in areas with frequent criminal activities are more vigilant. After all, once the issued bank card is used for fraud, banks will also be implicated. The source said that some customers may find it inconvenient, which is ultimately to protect consumers. If the bank card is used by fraudsters, the ultimate victim is the cardholder.

On June 9 this year, the Ministry of Public Security announced that since the "card-breaking" operation was launched, the Ministry of Public Security has organized local public security organs to carry out five rounds of centralized network-closing operations, and launched a fierce offensive against illegal criminal gangs such as illegal reselling of "two cards", cross-border selling of "two cards" and providing money laundering services for telecom fraud, thus accurately cracking down on the criminal chain of "two cards". Up to now, the "card-breaking" campaign * * * has destroyed 15000 criminal gangs illegally selling "two certificates", arrested 3 1 18000 criminal suspects and dealt with 18000 illegal industrial outlets and institutions.

Regarding the phenomenon that banks have different card opening thresholds, Huang, a senior researcher at Suning Financial Research Institute, pointed out that there is no clear implementation standard for the "card breaking" action, which mainly tests a bank's comprehensive anti-money laundering and risk control capabilities. Banks will have different standards when understanding and implementing policies, so the risk audit of users will be different.