What is the difference between a passbook and a bank card?

The difference between passbook and bank card is roughly as follows:

1. Different materials: the passbook is a paper brochure, and the bank card is a plastic card with a magnetic stripe;

2. Different business handling methods: passbook business can only be handled at the bank counter, which is limited by the bank's business hours, while bank cards can be handled through online banking, counters and other channels, which is more convenient;

In addition, the fees charged by the two are also different: bank cards need to charge annual fees, production fees and so on. Passbooks are free. If you usually handle more business, it is more convenient to use bank cards.

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1. Security of passbook and bank card:

1. Chip card (financial IC card) has the highest security and mainly reads chip information. At present, it is a bank card strongly recommended by the People's Bank of China. All banks are upgrading and are not easy to be copied.

2. Next, use the passbook to brush the track information to read the card. However, because the passbook cannot be used in ATM machines or online shopping, its application scope is limited to the counter, and it is also the counter of the issuing bank. The passbook is stamped with the bank seal. Even if the track information of the passbook is cracked and cloned, the fake passbook will be quickly seen through when it is used at the counter.

3. In addition, although the magnetic stripe card also brushes track information, it can be used for terminals such as ATM machines, networks and POS machines. Therefore, the cracker can make fake cards by reprinting and shopping. , even transfer funds without a physical card.

4. The lowest security is to change a card, that is, there is both a passbook and a magnetic stripe card, which combines the loopholes of the passbook and the magnetic stripe card. If you lose one of them, you risk being impersonated.

Second, what is a passbook:

Passbook is a paper book used to record bank account transactions, also called passbook. The size of the thin deposit area varies from bank institution to bank institution, usually the size of a checkbook or passport. Passbooks are not only used for domestic local currency deposits and withdrawals, but also support foreign currency deposits and withdrawals. Sometimes, non-monetary stored-value accounts such as securities and gold can also deposit and withdraw money through passbook. Passbooks can also handle personal foreign exchange and stock transactions in some institutions, directly handle domestic and overseas remittances, and provide settlement services related to payment, telephone information, banking and financial services.