The difference between postal savings type 1 and type 2 cards

1. Essentially different

The first-class card of Postal Savings Bank of China is a type I account, and the second-class card is a type II account. Among them, the type I account is a full-featured account, which is a full-featured account. The well-known debit card generally refers to an account opened through a traditional bank counter and that meets all the strict requirements of the real-name system. To put it simply, it is the savings card or debit card you hold in your hand.

2. Different supported businesses

Type II accounts do not support third-party custody, bank insurance, bank-securities transfers, foreign currency deposits and withdrawals, electronic cash accounts, Consumption Easy, Easy turnover. Except for the above unsupported businesses, other businesses are supported, such as the professional version, foreign exchange settlement and sales, funds, financial management, cash deposits and withdrawals, loan issuance and repayment, online payment, overseas consumption, etc., and all Yishan except HCE and Ese are supported. Pass.

The salary income, large-value transfers, bank-securities transfers, and payment of medical insurance, social insurance, pensions, provident funds and other services of individuals in Category I accounts should be handled through Category I accounts.

3. The limit on the amount of deposits and withdrawals is different

All types of deposits for Type II accounts (excluding transfers to bound cards, loan issuance, and financial redemption) ≤ 10,000/day, 20 RMB 10,000/year; all types of accounts (excluding transfers from bound cards, loan repayments, and financial management purchases) ≤ RMB 10,000/day, RMB 200,000/year.

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Bank Type II accounts may be relatively commonly used accounts. Bank Type II accounts are used for daily consumption such as credit card swiping, online shopping, and online payment. In other words, daily life consumption mainly relies on bank type II accounts.

The main feature of bank type II account is that it is particularly convenient to use and the amount of funds involved is relatively small. According to current regulations, the use of bank II type accounts for consumption and payment, fund transfers from unbound accounts, and cash deposits and withdrawals are all restricted.

my country’s state-owned commercial banks, joint-stock commercial banks, etc. will realize the opening of Class II accounts through electronic channels before June 2018. In other words, in the future, you can open a second-category account through online banking, mobile banking, direct banking, smart teller machines, etc., without having to go to the bank counter in person.

In addition to Type I accounts and Type II accounts, there are also Type III accounts, which can handle consumption and payment within limits, and fund transfers to unbound accounts within limits. The identity is confirmed face-to-face by bank staff at the bank counter, self-service equipment and on-site.

Category III accounts can also handle fund transfers from unbound accounts. Among them, the account balance of Category III accounts shall not exceed 1,000 yuan; the daily cumulative limit of funds transfer into unbound accounts is 5,000 yuan, and the annual cumulative limit is 100,000 yuan; the daily cumulative limit for consumption and payment payments, and transfer of funds to unbound accounts The total amount is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.

Editorial broadcast of related events

On March 20, 2020, the Postal Savings Bank of China ushered in the third anniversary of the establishment of the "Postal Savings Charity Platform" and also ushered in another year of " Post Love Charity Day”. On the same day, Postal Savings Bank, China Foundation for Poverty Alleviation and Tencent Charity launched a public welfare fundraising event to raise funds for the "Postal Savings Charity Fund". At the same time, a special public welfare fundraising event was launched for the Hubei epidemic to help Hubei affected by the epidemic. Poor students facing difficulties get through it. Over the past three years, the Postal Savings Bank has relied on the "Postal Savings Charity Platform" to actively participate in public welfare undertakings and help win the battle against poverty through education and poverty alleviation. The "Postal Love Charity Fund" has raised more than 28 million yuan, and has opened "Postal Love Self-improvement Classes" in 33 high schools in 18 provinces across the country, helping more than 2,900 poor high school students realize their dreams of becoming talents. [36]

In December 2020, the China Banking and Insurance Regulatory Commission imposed sanctions on some branches of the Postal Savings Bank in accordance with the law for issuing capital guarantee commitments for non-guaranteed financial products and issuing financial investment lists that were inconsistent with the facts. A fine of 45.5 million yuan [20]

In December 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued Notice No. 13 of 2020 "Notice on Consumer Complaints in the Banking Industry in the Third Quarter of 2020" ( (hereinafter referred to as the “Notice”).

Postal Savings Bank, Industrial and Commercial Bank of China, and China Construction Bank ranked among the top three large state-owned commercial banks in terms of the number of complaints regarding their financial management services. [15]

The administrative penalty decision issued by the China Banking and Insurance Regulatory Commission on March 18, 2020 shows that the Postal Savings Bank of China has insufficient implementation of the traceability system, insufficient traceability basic management, failure to transmit or lack of traceability The China Banking and Insurance Regulatory Commission decided to impose a fine of 500,000 yuan on the Postal Savings Bank Head Office for video materials and a relatively high proportion of unqualified business in quality inspection. [16]

On March 20, 2021, on the annual "Postal Service Charity Day", the Postal Savings Bank of China launched the "Looking Back at a Century and Forging Forward" 3.20 Postal Service Charity Walk in Baise, Guangxi Activity. Along with the lighting of the torch, the walking team composed of Postal Savings Bank employees shouted loud slogans and waved the flag of the Postal Savings Bank Charity Volunteers Association. They launched a walking activity in the square of the Baise Uprising Memorial Hall to promote the "Postal Savings Love Charity" to the society. ”, conveying the spirit of public welfare. Now, after four years of accumulation, the “Postal Service Charity Platform” has yielded fruitful results, and the concept of “Postal Service Charity” has become increasingly popular. According to statistics, in the past four years, the "Postal Love Charity Fund" has raised a total of more than 32 million yuan, opened "Postal Love Self-Strengthening Classes" in high schools in 43 counties across the country, and issued "Postal Love Scholarships" to outstanding high school graduates admitted to universities. More than 6,200 students have benefited. [38]

On April 18, 2021, more than 120 people from the Postal Savings Bank of China Head Office went to Luxi Garden in Fangshan, Beijing to carry out the 2021 voluntary tree planting activity of "Inheriting Red Genes and Spreading Green Hope". Postal Savings Bank has actively participated in China Post Group Co., Ltd.'s "Plant a Tree, Green the Sky" voluntary tree planting activity for three consecutive years since 2019, calling on employees to actively participate in the green economy and ecological environment protection to contribute to the country's green development. As of the end of 2020, the bank had carried out 583 offline tree planting activities, built a total of 149 tree planting bases, participated in voluntary tree planting for 10,500 people, and planted a total of more than 146,000 trees. [37]

On June 22, 2021, under the leadership of lobby manager Liu Chang, employees of the Postal Savings Bank Xiangshan Branch collectively practiced their own "Six Steps of Sign Language". [26]

On July 5, 2021, according to the administrative penalty information disclosure form of the China Banking and Insurance Regulatory Commission, the Postal Savings Bank of China Co., Ltd. has the following main violations of laws and regulations: 1. Violations to some parties Customers are charged annual unique account fees and small account management fees; 2. SMS charging services are handled in violation of regulations without the consent of customers; 3. There are defects and deficiencies in the development, production, maintenance, and post-evaluation of relevant functions of the information system; 4. Reporting to The content of the materials submitted by the regulatory agency is untrue; 5. The materials are not submitted within the regulatory required time limit; 6. The relevant vouchers for the preservation business are not provided in accordance with regulatory requirements. The China Banking and Insurance Regulatory Commission decided to confiscate illegal gains of 114,011,160 yuan and impose a fine of 4,376,774,250 yuan, for a total fine of 4,490,785,410 yuan. [27]

During the heavy rain on the evening of July 20, 2021, the person in charge of the Zhongyi West Road Branch of the Postal Savings Bank of China in Zhengzhou City, Henan Province and several staff provided medical services to dozens of people who had just been evacuated. We provided hot water, towels and other items and urgently coordinated with the property management company to move some people to nearby hotels. With the help of Postal Savings Bank staff, everyone had hot meals and gradually recovered their physical strength. [39]

On the morning of July 21, 2021, staff of the Postal Savings Bank of China Jinshui East Road Branch in Zhengzhou City, Henan Province invited stranded passengers to enter the branch to rest and provided tea. They saw a pair of twins who had just turned one month old. Only wrapped in a thin blanket and crying all the time, the staff quickly found a few small quilts, laid them out layer by layer, and set up a temporary "crib" for the twin babies. , thoughtfully gave me an umbrella. [39]

On July 28, 2021, the Postal Savings Bank of China successfully underwrote the 2021 third debt financing plan of Shanxi International Electric Power Group Co., Ltd. on the Beijing Financial Assets Exchange, with a scale of 500 million yuan and a term of 1 1 1 years.

This product is the country’s first sustainable development-linked debt financing plan. The successful implementation of this business is an active attempt by Postal Savings Bank to actively explore transformation finance and vigorously support green and low-carbon transformation and development. [44]

On July 30, 2021, the Postal Savings Bank of China’s new generation distributed core system operation and maintenance platform was successfully put into production. This is following the launch of the Postal Savings Bank’s new generation distributed core system technology platform. , another important phased achievement achieved, marking the beginning of a new chapter in intelligent operation and maintenance for Postal Savings Bank of China. [45]

On August 5, 2021, the Postal Savings Bank of China’s special online discount product “Rural Rural E-Tips” to assist rural revitalization was officially launched and opened in four branches in Jiangsu, Fujian, Shandong, and Shaanxi The pilot project was implemented and 29.1 million yuan was successfully provided to 10 companies including Fujian Yuancheng Bean Industry and Xi'an Zaihui Trading. The investment areas involved agricultural and sideline product processing, grain wholesale and retail, pesticides and fertilizers, etc., meeting the needs of customers in key industries and fields of rural revitalization. Financing needs. [46]

On August 27, 2021, the Postal Savings Bank of China released the "Postal Savings Bank of China's "14th Five-Year Plan" Outline. The planning outline clearly states that the Postal Savings Bank’s strategic goals during the “14th Five-Year Plan” period are to empower high-quality development with financial technology, accelerate business model transformation, build an intelligent risk control system, enhance value creation capabilities, and create a bank that serves rural revitalization and new urbanization. The leading digital ecological bank. [47]

On the afternoon of September 10, 2021, the Postal Savings Bank of China, the People’s Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, the People’s Government of Guangdong Province, and Hong Kong The Government of the Special Administrative Region and the Government of the Macao Special Administrative Region jointly held the launch ceremony of the "Cross-border Wealth Management Connect" business pilot via video link. Guangdong, Hong Kong and Macao simultaneously released the "Cross-border Wealth Management Connect" business pilot in the Guangdong-Hong Kong-Macao Greater Bay Area. Implementation Rules. Postal Savings Bank is actively preparing for the "Cross-border Wealth Management Connect" business and is committed to providing investors with a richer range of investment products to serve the construction of the Guangdong-Hong Kong-Macao Greater Bay Area. [48] ??

On September 23, 2021, Postal Savings Bank and China Railway Group signed a strategic cooperation agreement. The two parties reached intentional cooperation opinions in investment and financing, electronic payment, cash management, fund settlement, etc. Efforts will be made to expand the pragmatic and open "railway finance" cooperation model, continuously improve the inclusive service capabilities of railways and finance, provide high-quality and efficient financial guarantee for the railways of the transportation powerhouse, and provide transportation support to serve the implementation of major national strategies. [49]

On January 25, 2022, according to the Postal Savings Bank of China, it is planned to add preferential policies for the Postal Savings Bank of China Fat Tiger Card and adjust the exclusive cards for Farmers Harvest Card and Veterans Service Card Category name and preferential policy content. [54]