It is very difficult for banks to open cards now.

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?

interview

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

The staff of a branch of a joint-stock company in Chaoyang said that the card is now opened with smart equipment. Ordinary customers can do it in three to five minutes with their ID cards. Those who have no formal work 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 company said that if there are no regular professional customers, it is ok to open a card with an ID card.

The account manager of a branch of a state-owned bank in Xicheng said that under normal circumstances, cards can be opened with ID cards. However, if sensitive people such as the elderly want to open mobile banking at the same time, they will definitely ask about the use of funds in detail to prevent the risk of fraud.

These bank staff all said that when opening the card, they would ask the customer the purpose of the card and answer truthfully. General customers use it to pay wages or manage 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.

It is understood that the difference between bank accounts and class accounts is that class accounts are full-featured accounts, which can be used for large deposit and withdrawal, transfer, consumer payment, investment and wealth management. The scope of use is unrestricted, unrestricted; Class A accounts are convenient wealth management accounts, which are used to purchase financial products such as investment and wealth management, as well as limited consumption and payment, and there will be certain limits.

The lobby manager suggested that people who are easily deceived, such as the elderly, should open a similar 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.

ICBC's customer service 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 the mobile phone number to verify whether it is handled for themselves. It is worth noting that ICBC will pay a telephone call back to the newly opened account in the near future, and control the abnormal situation such as the account is not used by itself and the contact is not repeated within one week, so as to achieve "only receiving and not paying". 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 card 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 understood that almost every bank in Shenzhen has 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 stamped with the official seal of the unit, mobile phone access certificate for more than half a year, residence certificate, etc. Among them, the online time of ID card and mobile phone number is almost a rigid requirement of the bank, and other materials depend on the requirements of the bank itself. 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 and restricting them for life", 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 the opening of cards, 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 cards of the bank. Ping An Bank and Industrial Bank also issued announcements to clean up stock accounts, including "one person with multiple accounts" and "long-term inactive accounts".

As early as February 29th last year, 1, the Postal Savings Bank announced that it would gradually empty the number of individual settlement accounts under the same customer's name by 202 1 (i.e. 1, 5 households, 5 households). I

For cardholders who hold multiple bank cards, industry insiders suggest that they can regularly sort out their bank accounts and assets under their own names and actively sort out and merge their 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.

Behind; trail

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".

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". incision

Up to now, the "card-breaking" campaign * * * has destroyed15,000 criminal gangs illegally selling "two certificates", arrested 3118,000 criminal suspects and handled18,000 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.

Related questions and answers: What are the requirements for a bank card in 2022? If you are local, you only need to bring your ID card. If it is handled in a different place, it needs the real-name authentication of the mobile phone number for more than 6 months, the user's local residence permit, the social security payment certificate for more than half a year, the work certificate and other materials. Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true. The process of handling bank cards, bank cards, credit cards and debit cards is different. When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to apply to the card issuer, and you need to fill out an application form, in which the required information is true. After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards. Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.