Is it safe to change the pass & quot in WeChat? Did you really get anything?

Important news: Urgent notice: If you still use the change card on WeChat and deposit your money in WeChat, be sure to pay attention. It is easy to make a small mistake, and the money in the WeChat exchange card will be stolen. Such a small mistake appears in our life and many people will encounter it. The stolen money will not be recovered. My 25-year-old cousin lost 80,000 yuan in the WeChat change card because she received such a short message.

Therefore, friends with money on WeChat must pay attention to the following points.

Middle-aged and elderly people like to deposit their deposits in the bank, while the three-year deposit products of the bank's time deposit certificate are only 3.85% according to the highest interest rate in previous years.

However, the flexibility of its principal is limited, and it has not expired for three years, so it is impossible to withdraw it at all. If the withdrawal procedure is completed, it can only be calculated at the current interest rate of 0.35%. This is equivalent to the previous loss of interest on white deposits.

So many young people like to put their money on WeChat or Alipay.

Answer: it is good.

Wechat belongs to Tencent, and its main business is games. Wechat was originally just a communication software.

In the early years, WeChat Alipay had nothing to do with it. As the largest financial platform, many people like to deposit their money in Alipay. At that time, Alipay was the only one in the market, which could be said to be Qian Duoduo. When WeChat saw this, it wanted to divide a batch of cakes from this market.

So slowly began to have a red envelope to change and change.

It must be clear that there is no income from saving money with small change, but there is income from saving money with small change.

Up to now, the 7-day annualized interest rate of WeChat change pass is 2.0850%, which is slightly higher than the 7-day annualized interest rate of Alipay Zhongyuebao. At present, jewelry is only 2.0490%.

1, calculation method of WeChat change pass: 5 (ten thousand) *2.0850% 1042.5 (yuan).

1042.5 (yuan) 12 (month) 86.8 (yuan).

86.8 (yuan) 30 (days) 2.89 (yuan).

Therefore, the annual interest rate of 50,000 yuan invested in WeChat change pass is 1042.5 yuan, the monthly interest rate is 86.8 yuan and the daily interest rate is 2.89 yuan.

2. Calculation method of Alipay balance treasure: 5 (ten thousand) *2.0490% 1024.5 (yuan).

1024.5 (yuan) 12 (month) 85.3 (yuan).

85.3 (yuan) 30 (days) 2.84 (yuan).

From the calculation of Alipay and WeChat, we can find that the difference is not too big. Alipay is 5 cents less than WeChat every day.

Therefore, putting money into WeChat, the change pass is indeed profitable, and it is higher than the bank's regular income for one year and two years.

Another biggest advantage is that it is more convenient than the flexibility of bank deposits, because both WeChat and Alipay can be used at will, and the deposit interest rate remains unchanged.

Answer: safe, but there will be a small probability of things happening.

Nobody dares to say anything. He can achieve 100% perfection and 100% safety.

However, with WeChat change through Alipay Yu 'ebao, such a financial platform has a certain small probability risk.

First of all, let's talk about the three major risks of WeChat reform.

Recently, many people reported that after using WeChat for several years, they suddenly could not log in one day.

Moreover, the pop-up window pops up such a sentence: Hello, dear users. After system testing, your WeChat account has violated the rules and will give you a permanent title today.

This makes many people very upset. Why use your own micro-signal to seal, there is no illegal operation.

Micro-signals that have been used for several years, like our mobile phone numbers, contain very important contacts and important information. Some people also have customer resources. If they say it's blocked, who will pay for the loss?

The most important thing is that there are tens of thousands of deposits in WeChat account exchange, which can be taken out when closing the account, but the operation is very troublesome. To get your money back, you must keep calling. The staff will give feedback and get a reply within three working days.

So at this point, I personally think Alipay is more reliable. At least there won't be any random titles. If you violate the rules, at most, you should minimize your ant credit, and you can't borrow flowers or anything like that.

So it's best not to put too much money on WeChat change pass. On the seven-day annualized interest rate, Alipay and WeChat are basically the same, so you can choose a more stable Alipay.

Losing your mobile phone wallet is something that many people will encounter. Some people think that losing their mobile phones is really a great loss, but they don't care too much, because mobile phones are cheap now, so just change them.

Therefore, many people choose to replace their mobile phones at the first time when they lose their mobile phones, instead of choosing to reissue a new card password and change all passwords for payment.

Last year, a friend of mine lost his mobile phone. At that time, her mobile phone was worn out and she wanted to exchange it for a new one. So whenever something happened, she chose to buy a new mobile phone the next day, which made her never expect. After the phone card was reissued, she put it in her new mobile phone, and then clicked on WeChat to check Alipay, only to find that all the money in it was stolen, and even 800 yuan in the bank card was missing.

When calling the police, I found that the lost mobile phone was stolen, so don't be careless when the mobile phone is lost. I'll reissue a card immediately, put it in my new mobile phone, modify the login password of Alipay WeChat, and pay the password, and change everything that needs to be changed immediately.

Don't doubt that the present technology can't steal your money.

So this is also a risk, and everyone must pay attention.

There must be many people in life who receive such messages and phone calls.

1. SMS content: Hello, here are some photos of my childhood, which are very precious. If you want to see them, please click the link below.

Hello, Mr. Li, we are a mobile travel welfare. Congratulations on getting the novice gift package, cash-filled red envelopes worth 2000 yuan. Once you click on the link, you will be infected with Trojan virus.

2. Telephone content: your name, home address, work, etc. Will be explained in detail. Like this, it is basically information leakage, saying that you evade taxes and so on. And you have to put the money into the designated account according to her way.

Since these two types are actually telecom fraud, we must pay attention to prevention. When a mobile phone receives an inexplicable short message with a link, don't click it, because when you click it, the mobile phone will be injected with Trojan virus immediately. At the other end of the computer, criminals will invade your mobile phone as quickly as possible, steal your personal information, such as payment password and login password, and transfer your money in batches.

My cousin received a puzzling message, the so-called curiosity kills the cat. Just because he clicked that link, the money in WeChat and Alipay bank cards would be transferred in batches, and then my cousin chose to call the police. After the police inquired, it was found that this was an overseas telecom fraud. The funds stolen by my cousin were transferred overseas through multiple accounts, and there will be no regrets.

For example, WeChat change pass is really beneficial, but such a financial platform will definitely have the above risks, so if the above things happen to you, don't panic at the first time, the lost mobile phone will be reissued immediately, and the calling card will be changed to the password such as payment.

If you receive such a short message, you accidentally click in and find that your money is being transferred in batches. Don't panic, call the bank card to report the loss immediately, or report the loss of money in Alipay WeChat.

When reporting the loss, the bank will freeze your bank card because of abnormal transaction records.

This will minimize your loss.

Both WeChat and Alipay have benefits, which are small probability things, so it is still safe to put money into these two platforms, but I prefer Alipay, because WeChat says the title, so it will be more troublesome to take out your money. In life, WeChat is just a payment platform for living expenses, and Alipay is my wallet.

So which do you prefer, WeChat or Alipay?

Thank you for your watching and support.

The "change pass" in WeChat is provided by An Teng Fund Sales (Shenzhen) Company.

I transferred the money to "Change Pass" through WeChat on April 2 1. Transferred to Harvest Cash Tian Li Fund, the annualized rate of return on the 7th was 2.6 180%, and yesterday (May 30th) the rate of return per ten thousand shares was 0.6890. At that time, it was transferred to 100 yuan, and the income on the 24th was 0.0 1 yuan. Since then, I have earned money every day, so I tell you: this is true.

There is no income from putting change in WeChat. It is understood that at present, the income from transferring money to the "change pass" is higher than the income from depositing it in the bank. The more money transferred to the "change pass", the higher the income. This is based on the fluctuation of annualized rate of return on the 7 th to determine your income on that day.

Is the "change card" safe? It remains to be seen. From April 2 1 to today (May 3 1),

After 40 days, I made a profit of 52.35 yuan and found nothing unexpected.

There are certain risks in doing anything. I hope everyone will invest carefully.

The following are the risk tips of Tencent An Teng:

Monetary funds are mainly used for bank time deposits, treasury bonds and other bonds with good liquidity. These investments have high security, strong liquidity, stable income and low possibility of loss, but in some cases, there may also be loss risks, such as: the bonds invested in default, unable to pay, which may cause losses; When most users redeem at the same time, the fund needs a lot of cash in the short term, and the bonds are sold centrally, which may lead to losses.

2065438+May 3, 20091

Is the "change pass" in WeChat safe? Did you really get anything? For this problem, we can analyze it in two parts, whether the "change pass" in WeChat is safe and whether it is profitable to put funds in the change pass. So let me tell you something about this.

What is WeChat Bitcom and whether it is safe or not? Some users of WeChat Bitcom are not clear, but if Yu 'ebao is mentioned in Alipay, then everyone will realize it. Wechat Bitcom is a wealth management product similar to Yu 'ebao in Alipay, which was launched on 20 18. In fact, there is little difference in function from Yu 'ebao. They all put their own funds in fund companies to earn certain income.

Therefore, whether WeChat change pass is safe or not is quite reliable for the platform of WeChat payment. At present, the only thing that can compete with Alipay is the WeChat payment function, and the product fund company connected with WeChat change is also a regular enterprise. Generally speaking, the risk is very low and there will be no loss.

If we put the money into the WeChat change account, there will be some gains. According to the current income situation, according to the 7-day annualized rate of return, the highest income is 0.8734 yuan. Let's take an example to make it clear, that is, if we have 50 thousand yuan in hand and buy a fund with an annualized income of 3. 132% on the 7 th,

Wechat is secure. As long as you save money in WeChat Coin Pass, it is equivalent to buying a money fund by default, so once you save money in WeChat Coin Pass, it will generate income.

Is WeChat change pass safe?

Wechat is secure for the following reasons:

(1) WeChat change pass was initiated by Tencent Fortune and Weizhong Bank, and the product was also maintained by many financial institutions such as Tencent. Therefore, Tencent is the tree with the largest change, and other major financial institutions are also working together to ensure the safety of funds.

(2) WeChat change pass can be used for consumption or transfer, but whether it is transfer or consumption, WeChat ensures the safety of funds through multiple functions such as digital certificate, payment environment protection, security lock and privacy protection.

(3) WeChat change pass belongs to the money fund, similar to the balance treasure in Alipay. The money fund is a low-risk product, and the principal is safe because it does not guarantee interest.

(4) WeChat change pass is one of WeChat's wealth management products. Everyone's WeChat has an account security insurance of 654.38+00,000, which also includes the funds in the change pass, so as long as your change pass does not exceed 654.38+00,000, it is safe.

Is WeChat Coin Pass really profitable?

Wechat change pass is actually a wealth management product. Since it is a wealth management product, it naturally has benefits, but at the same time it also needs to bear certain small risks, and both risks and benefits are saved.

Similar to bank deposits, bank deposits have interest. As long as depositors deposit their money in the bank, the money will definitely have interest, but the interest level is high or low.

The same is true of WeChat Coin Pass. As long as you have the money to buy a money fund by default, buying a money fund is definitely profitable. The difference is that buying different money funds has different yields, but it is definitely profitable. This can be guaranteed.

Based on the above, I think WeChat change pass is a very safe wealth management product, and it also has interest income. But the biggest drawback is that the current rate of return is too low.

The monthly activity of WeChat has reached 65.438+0.2 billion, and WeChat will appear in our life, study and work, which can be called the "Big Mac" in social products. Around the huge user group, the realization modes of WeChat are also more diverse, and financial products are one of them that cannot be ignored. The change service is one of WeChat financial products. Many users are not very comfortable with mobile internet financial products, and always feel that they are not as real as offline entities. Then, what kind of business is the change pass, is it safe and what is the income?

Wechat Bitcom is a product that targets Alipay Yu 'ebao. Its main purpose is to absorb scattered funds that users idle. Open WeChat, click "I", "Payment" and "Wallet" in turn, and you will see the button of change pass on the wallet page. Click to enter and you can buy the product. At present, the change pass supports two transfer methods, one is to buy through WeChat change, and the other is to buy through a bound bank card. The money stored in the change card can be withdrawn at any time, which is more flexible to use. Judging from the order of launch, Yu 'ebao is earlier than the change pass, and Tencent is still taking the route this time.

What kind of product is the change pass? We are interested in interest. What if others are interested in our principal? You won't have this problem if you change your card. Exchange is still a monetary fund in essence, but the form of purchase has changed from offline to online, and so has the agreement we signed. Wechat is just a three-way mobile platform connecting consumers and funds, which is similar to pulling people to earn commissions (of course, how to achieve profitability in the end needs to be subject to the contract between the two parties). Monetary funds mainly invest in bank time deposits and products with high credit rating of national debt, and the possibility of loss is extremely low, which can be said to be capital preservation investment. One is to rely on WeChat, a super social platform, and the other is to protect capital and manage wealth, so that the business of change is more secure.

In addition to safety, a topic that everyone is more concerned about is interest. The interest rate of the change pass is not constant, which has something to do with the looseness of the national currency. Once in i query, I paid the interest on the change pass and Yu 'ebao, and the annualized interest for seven days was 2.2 1% and 1.7 1% respectively. Just now, I made another change, which may be the reason for the monetary tightening at the end of the year. The annualized interest for seven days is 3.38%.

In addition, it should be noted that although both WeChat change and bank card can buy this product, the cancellation of change requires a handling fee of one thousandth, and there is a free transfer limit of 10000 yuan per day through bank card purchase. The rate of return itself is not very high, so it is a little bit saved!

Of course it's good. As for whether it is safe or not, it is relative. After all, there is no absolute security.

1, revenue

Exchange is essentially a fund, so the yield fluctuates with the stock market, sometimes more and sometimes less. However, due to the fund company behind it and the low-risk investment method, the income is relatively stable. At present, the 7-day annualized rate of return of change pass is 1.7070%, which is slightly higher than Yu 'ebao. In fact, the competitor of WeChat change pass has always been Yu 'ebao, so the income is always slightly higher than Alipay by 0.2 to 0.3 percentage points. Taking 1 10,000 yuan as an example, the monthly income of Yu 'ebao is 1 1.89, while the general change law is 14.23. In contrast, it's a little more cost-effective to exchange a pass, which is definitely more cost-effective than a demand deposit of 2.92 yuan.

However, compared with demand deposits, whether it is change pass or Yu 'ebao, the nature of their funds determines the existence of trading fees, and Tencent and Alipay do not charge them at present. In other words, it is also legally tenable to charge a handling fee for each purchase (transfer) or sale (payment) if they think it is appropriate. At present, it is promoted by the government, in the final analysis, in order to expand the market and cultivate consumption habits. In addition, if you deposit your money in a change card or Alipay, you can use these funds to invest or lend, and you can also make a lot of profits.

2. Security aspects

The "change pass" in WeChat is provided by An Teng Fund Sales (Shenzhen) Company and owned by Tencent. Tencent has always prided itself as the "vanguard" in the field of information security, and it has indeed done a good job. For example, the familiar Tencent mobile phone housekeeper, Tencent application treasure and Tencent Royal Point are all their security products. On the other hand, Ali is relatively low-key in this respect. Only occasionally there is a legend that Ma Yun let go of his malicious words. If anyone can break through Alipay's defense line and cause financial losses, he will pay as much as possible. In addition, if "hackers" can break through Ali's server, they can directly recruit Ali to work and raise him with a high salary.

Therefore, whether it is change pass or Alipay, there is no problem with its own security. But eliminate the security risks caused by users themselves. For example, if you reveal the payment password to others, such as scanning the QR code everywhere, causing cell phone poisoning. No matter how strong the protection of others is, it will not help. So I say safety is relative.

To sum up, small change is profitable, safe and reliable. However, affected by this year's epidemic, the seven-day annualized income directly reached the prefix 1, which was much higher than when there were no three or four points before. If you pursue higher returns, you might as well try a low-risk fund and earn more than you exchange.

From the point of view of the problem, you should be unfamiliar with WeChat change pass.

Wechat Bitcom is a wealth management product launched by Wechat 20 18 1 1. Its function is very similar to Alipay's balance treasure, and it is connected with the money fund of the fund company.

I am one of the first users of WeChat Bitcom, and the security is completely fine. First of all, WeChat platform is a relatively reliable platform and trustworthy; Secondly, the docking products are all regular products of regular fund companies. If there is a problem with the WeChat platform, we can also ask the fund company for money.

Wechat change pass is indeed profitable, and the rate of return depends on the docked money fund. The vast majority of money funds are positive returns, so don't worry about losses.

Personally, I don't like this product very much because I have higher investment channels. Most of the money I put in the WeChat change pass is a red envelope that my friend transferred to me or I grabbed.

Because there is a handling fee for WeChat cash withdrawal now, I usually earn enough handling fee in the change account and then withdraw it to my account.

The change pass is a combination of WeChat payment and money fund financing, which has certain risks and can be prevented by some security measures. Generally speaking, it is safe. Financial management does have benefits, and it is settled every day.

What is a change pass? Change Pass is a money fund wealth management product launched by WeChat Pay, similar to Yu 'ebao. Why does WeChat push financial management? Because the change of WeChat users belongs to payment reservation, instant payment can be realized, but there is no financial management function; Wechat's change financing is good, but it can't be directly used for payment. When users pay by WeChat, it is very inconvenient to transfer money to change in advance. Due to the above two points, WeChat borrowed the model of Yu 'ebao and launched the change pass.

What are the security risks of changing the pass? The change card has the functions of payment and financial management, so there are certain security risks, mainly in the following aspects: First, the risk of funds being stolen. If the WeChat account is stolen, the funds inside may be stolen; Second, the risk of title, WeChat is a social account, once the violation information is released, it may be blocked; Third, the risk of mobile phone theft. If your mobile phone is stolen, password protection is relatively simple, and funds may be stolen; Fourth, if the mobile phone is infected with Trojans or other malicious software, it may also cause economic losses.

How to take necessary safety precautions? The use of WeChat Bitcom requires necessary security precautions. First of all, WeChat paid all users to purchase 6.5438+0 million yuan of capital security insurance. If the funds are stolen, you can compensate 6.5438+0 million yuan a year, but only because of the user's reason; Secondly, users should do a good job in mobile phone security protection, set the power-on password and screen lock password; Third, turn down or turn off the small secret payment function to avoid unprotected funds after the account is stolen; The fourth is to minimize the number of bank cards bound, and only one or two commonly used banks can be bound.

As the name implies, change pass belongs to change management. Now the annualized rate of return is around 2.5-3%, which is not very high. Therefore, it is not appropriate to put a lot of money in the change account. I think it's best not to exceed 20 thousand yuan. Changing the card can quickly withdraw 6,543.8+0,000 yuan every day, and it takes t+654.38+0 working days to reach the account if it exceeds 1 10,000 yuan. The elasticity is good. The change pass will settle the income every day, which is equivalent to a wealth management product with compound interest every day.

In short, WeChat change pass is a very convenient change wealth management product. As long as simple preventive measures are taken, it will be safer, and the income will be settled every day, which is more suitable for pocket money management.

The change coupon is a safe product, so you can buy it with confidence. No problem.

Why do you say that? Because change pass is essentially a money fund product. It is not a high-risk wealth management product, and the characteristics of money funds are well known to everyone. It belongs to low-risk wealth management products and invests in large deposit certificates. Treasury bonds and money markets are characterized by low returns, good liquidity and low risk. Although it is guaranteed capital and interest, the money fund has been running for so many years without any problems.

Where does the security problem come from? It's the tripartite payment itself, and there are some problems. This is a common problem of tripartite payment, not only small change, but also Alipay, JD.COM, Suning and so on. Industry risk is not a problem of two companies.

Have income. It's like being in your WeChat payment wallet, and you don't need to question the income.

# Wealth Management Competition Season 3 #

It is safe to change the pass, but the income is really not high.

The latest annualized income is only 2.583%, and the daily income of 1 000 yuan is only 72 cents. There used to be at least 1 yuan.

Money in WeChat can't buy wealth management products. The key is that in the past, financial management can be invested with the balance of change, but now it is not working. In terms of financial management, if you want to invest in funds or insurance financial management, you must transfer money through the bank, and there is a handling fee for the transfer. ...

Honestly, it's a little inconvenient.

I used to buy wealth management products on WeChat, but now I prefer to deduct one thousandth of the handling fee, and I have to take it out for bank wealth management, because the income from small change wealth management is too low.

Wechat payment is now basically a small payment of 1000 yuan, while Alipay and banks use large payments.

Moreover, the money in Alipay can be directly used to buy wealth management products, so I also bought two regular wealth management products in Alipay, at 1 yuan per day, which is still relatively high.

What I don't understand is why Alipay can buy wealth management directly, but WeChat can't?

If the regulations of the central bank do not allow it, why can Alipay?

I studied it, and it is said that if it is reflected in the financial management, there is no handling fee. In order to prevent everyone from using the financial link, WeChat isolates the change from the financial link. ...

What can I say? ...