What will happen if the identity information of the bank card expires?

If the identity information for opening a Bank of China account expires and is not updated in time, it will affect the normal use of the account. It is best to go to a bank branch with a new ID card to change the information. Starting from July 4, 2020, if the identity information of the cardholder retained by Bank of China is incomplete and untrue, or the valid identity document expires and is not updated in a timely manner within a reasonable period, Bank of China will, in accordance with the relevant provisions of laws and regulations, Financial services cannot continue to be provided to the account in the name of the cardholder. Therefore, in order to ensure the normal use of the cardholder's account, it is necessary to check and verify the personal identity information as soon as possible through Bank of China business outlets or Bank of China Mobile Banking APP (mobile version is 9.3.80), BOC Xintong Mini Program and other channels. If there is If the information is inaccurate or incomplete, it needs to be updated and improved through the above channels as soon as possible. If you have any questions, or if you have urgent needs after your financial services have been suspended, you can call the Bank of China customer service hotline 95566 or contact branch staff.

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1. The bank will notify customers via text message before the ID card information expires, and advise them to update their ID card information in a timely manner. The notification time of each bank is different, but it is usually 1-3 months before expiration. If a customer fails to update their ID card information in time and the ID card expires, some businesses will be affected. Generally speaking, this part of the business refers to businesses such as independent operations, counters and VTMs that require inputting ID numbers or showing ID cards, including foreign exchange settlement and sales through independent channels, overseas remittances through independent channels, large-amount cash withdrawals at the counter, transfers and remittances, etc.

2. Not all services cannot be used. Businesses such as ordinary withdrawals, deposits, online payments, redemption of financial products, and loan deductions can still be carried out as usual. However, just because some services can be used does not mean that you do not need to go to the bank to update your ID card information.

3. Suspension of non-counter services. Once the ID card expires for too long and has not been updated, the bank will suspend non-counter services. This time is usually 3-6 months after expiration. The so-called non-counter service means that except for the counter, all other channel functions are closed, including mobile banking. Suspension of non-counter business affects business: Control measures to restrict suspended accounts from actively initiating account transactions (including incoming and outgoing accounts) through non-counter channels, such as online banking transfers, inter-card transfers, ATM withdrawals, POS card swiping, and fund fixed investments , transfer plan transfer out, inter-bank transfer in, fund subscription and redemption, securities margin and current transfer, UnionPay collection and payment, Alipay cash withdrawal, WeChat cash withdrawal, self-service channel salary payment and entry, etc.).