Must the mobile phone number left in the bank card be the same as your own?

It may not be my mobile phone number, but it will be inconvenient to reserve someone else's mobile phone number in the future. The bank does not stipulate that it must reserve its own mobile phone number, but to receive messages such as transaction verification code, it must send short messages, otherwise the bank card cannot be traded. To be on the safe side, you'd better reserve your mobile phone number. Otherwise, there are many inconveniences in handling business and accepting verification code short message service. If the bank reports the loss, it will not only be difficult to report the loss, but also cause great security risks.

If you need to change the mobile phone number reserved by the bank, you must bring your bank card and valid personal ID card to the bank counter. Generally, we don't accept other people's agents, and we can't change them through customer service phone or online.

case analysis

Brief introduction of the case:

On July 4th, 20021year, customer Yang complained to a bank that he was cheated by his colleague Xu, and changed the mobile phone number reserved by the bank to Xu's. After Xu was unaware of Yang, he bound his bank card through mobile banking and applied for an online credit loan of 300,000 yuan. Loans overdue lost contact with his colleagues, and now he can't repay the loan. Yang complained that a bank's loan review was lax, which led him to falsely apply for a loan, and asked the bank to modify his credit information, delete the loan record, cancel the judicial proceedings against him, and return the funds deducted from his frozen card.

Handling situation:

After verification by a bank, it was found that a Japanese man opened an e-banking service in the bank on 20 19 10, and he changed the reserved mobile phone number of his bank card to that of his colleague Xu. On the same day, Xu applied for a bank online consumer credit loan of 300,000 yuan through the mobile banking app, and Xu lost contact. After obtaining relevant information, it is confirmed that Yang's opening of e-banking business and changing the reserved mobile phone number are handled by the customer himself at the bank outlet, with photos and signatures as evidence. At the same time, the bank found the flow of loan funds after the loan was issued. After Yang's loan was issued to his bank card, he immediately transferred the loan funds to another bank card of Yang for use in six phases without knowing it. Yang should take full responsibility for the loan in his name. Now the bank has not reached the agreed time limit according to the regulations.

After receiving the complaint, the bank, through multi-party understanding and consultation, advises the customer to report fraud, and temporarily withdraws the lawsuit against the customer according to the Notice of Filing Fraud Cases provided by the customer, and then carries out follow-up treatment after the fraud case is judged.

Legal analysis:

According to Article 28 of Chapter 5 of the Measures for the Administration of Bank Card Business promulgated by the People's Bank of China, when an individual applies for a bank card, he shall provide the card-issuing bank with his valid identity certificate stipulated by the public security department, and open a registered account for him after passing the examination by the card-issuing bank. Bank cards and their accounts are only used by cardholders approved by the issuing bank and may not be rented or lent.

The mobile phone number reserved by the bank is the same as the customer's ID number, which fully represents the customer himself. Cardholders can only use their own mobile phone numbers as bank personal information to reserve mobile phone numbers. If personal information is changed, you must bring your valid ID card and debit card to the bank's business outlets in time to handle the information change business truthfully, otherwise any delay, dispute or loss caused by it will be borne by the cardholder.

In this case, Yang himself set the reserved mobile phone number to someone else's mobile phone number, and lent the bank card to others for use, failing to fulfill his obligation to properly keep the bank card and personal safety information, so the losses arising therefrom should be borne by Yang himself.