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The bank requires an appointment to withdraw 50,000 yuan. Why not change the limit of the ATM to 50,000 yuan?

Hello! For this problem, a banker for many years has analyzed it for you as follows:

1. Why do I need an appointment to withdraw 50,000 yuan?

(1) Do I need to make an appointment before I can withdraw 50,000 yuan? This should only be the requirement of a few banks, and the amount that most banks need to make an appointment should be 200,000 yuan; As for why an appointment is needed, it is due to the limited cash capacity of outlets; The number of counters in general bank outlets depends on the business volume, and most outlets have 2-4 counters to handle business. In the bank, every teller has a trunk (mainly used to store important vouchers and cash). Generally, the cash in a trunk is kept between 500- 1 10,000 yuan, and the excess will be turned over. So suppose three counters are set up, and the cash amount of one outlet is between1.5-30 thousand yuan a day; The limited cash limit is usually maintained for one week, so it is necessary to make an appointment for large cash withdrawals, so that the bank can allocate cash according to the reserved amount, otherwise all the funds will be taken away by you, which will affect the normal daily operation of the bank.

Remarks: Generally, there are no special circumstances in each bank branch, and the branch will give you a chance to cash once a week for a fixed period. For example, the amount reported on Monday will be transferred or turned over to the branch on Wednesday. There is a complete procedure for transferring, which does not mean that you can transfer it at any time. For example, if you suddenly come to the outlet at three o'clock in the afternoon and ask for 5 million cash, you will never get it. Because the transfer needs to be reported, the branch's vault is insufficient, and someone should be found to do it, and the escort company should be coordinated. Not like many people think, you can transfer money at any time.

2. Why is the ATM set to withdraw 20,000 yuan a day?

There are two main reasons for setting ATM withdrawal amount:

(1) First, protect the funds in your account, even if it is stolen, it can reduce your losses;

(2) Second, the capacity of ATM cashboxes is limited. Generally, ATM has 2-4 cashboxes. Depending on the model, the capacity of a cash box is 200,000-250,000 yuan, so the capacity of an ATM cash box is 40- 1 10,000 yuan. Suppose you withdraw 50 thousand, it may be taken out in a few hours at the peak. In-bank ATM, it needs two tellers to clear counterfeit money at the same time, which will affect the counter efficiency. The person in the bank ATM and the branch banknote clearing center is responsible. However, due to the large number of machines that the banknote clearing personnel are responsible for, it is troublesome to coordinate the escort company every time the banknote is added. Therefore, 20,000 yuan is set to reduce the workload, facilitate the overall operation of the bank and meet the daily needs of most people.

(3) There is another reason for not setting 50,000 yuan, that is, the People's Bank of China stipulates that cash withdrawals exceed 50,000 yuan, and banks need to check their ID cards, so it is impossible to set ATM withdrawals above 50,000 yuan.

As for the specific reserved amount, it varies according to the regulations of the people's banks of various places.

As for ATM, its original intention is to meet people's demand for small cash outside the business hours of bank outlets, which also takes into account the safety of depositors.

That's a good question We can think about why the limit of ATM is generally set at 20 thousand instead of 50 thousand. In fact, if you think about it carefully, there is a certain logical choice.

1.ATM is also an automatic teller machine, and its function does not appear for large withdrawals. Therefore, he should not support the function of large cash withdrawal. Let's think about it. On average, a person can withdraw up to 20 thousand a day. Is it already very powerful? Do you need more money? So 20 thousand is actually a lot, especially in the digital age, we use less and less cash, in fact, 20 thousand is more.

2. According to the anti-money laundering regulations of the central bank, more than 50,000 people should register with their real names. This real-name registration should not only register the name and related information of the drawee, but also register the purpose of withdrawal. Don't think that writing a purpose casually is enough. If something happens in the future, this is to testify in court. ATM machines can't provide this function, because it is not necessary and impossible to register the purpose of withdrawal.

3.ATM is an intelligent machine, not a person. In fact, at present, he can't replace all the functions of people, that is to say, he can't recognize a lot of information about people. Then, if someone pretends to be or takes various cover-up measures to engage in illegal activities on ATM machines, it is impossible to find out. But if it is different at the manual counter, it may be found out.

Of course, more importantly, ATM can't deposit so much cash, and there is only one chassis behind it. If more than 50,000 large withdrawals are supported, many ATMs may not work normally. All right.

At present, our anti-money laundering regulations are very strict On June 5438+ 10/0, 2020, the Central Bank's Notice on Launching the Pilot Project of Large Cash Management (hereinafter referred to as the "Notice") required that units and individuals should register for deposit and withdrawal business with a minimum deposit amount or above in banking institutions in Zhejiang Province; In principle, you need to make an appointment in advance to handle the withdrawal business with the minimum payment above. The starting point of large cash management in corporate accounts is 500,000 yuan, and that in personal accounts is 300,000 yuan.

Of course, if there is an issue of imported RMB in the future, all this should not be an obstacle, because digital RMB can guarantee all the needs of everyone. For ordinary people, there is no need to withdraw cash. In this case, anti-money laundering laws and regulations will be stricter, and ATM machines will be gradually eliminated with the passage of time.

I have also consulted my friends in the banking industry on this question, and the answers are quite strange. Up to now, the upper limit of many ATMs is 20 thousand yuan per day. If you withdraw more than 50,000 yuan at the counter, you need to make an appointment two or three days in advance. If it is a large cash withdrawal of more than 65438+ 10,000 yuan, you need to make an appointment one week in advance.

As we know, around the National Day last year, Zhejiang and Shenzhen also carried out large cash management pilot projects, and as early as last July, Hebei began to implement large cash management pilot projects. At that time, the management quota of Hebei was 654.38+10,000 yuan. 300,000 in Zhejiang Province and 200,000 in Shenzhen. In other words, if you need to withdraw more than 654.38 million yuan in cash in Hebei at one time, you need to go to the counter or make an appointment by phone one day in advance.

Although we have not carried out the pilot management task of large cash in our local area, banks with different quotas need to make an appointment. Generally speaking, our local postal rural credit cooperatives and some rural banks need to make an appointment for a cash limit of 50,000 yuan. However, some chain banks and local commercial banks only need to withdraw more than 654.38+10,000 yuan at one time to make corresponding appointments, and the cycle is within two to five days.

But one thing is clear, that is, the current one-day limit on ATM is 20,000 yuan. If you really need money urgently, you can also withdraw money from ATMs of different banks, but you will be charged a certain inter-bank handling fee. Or go to the counter to withdraw about 40 thousand yuan but less than 50 thousand yuan, and then go to the ATM to withdraw money, so that you can make up a certain amount of money without making an appointment

As far as the current actual situation is concerned, the daily ATM withdrawal amount of bank cards of different banks is mostly 20,000 yuan, but the single limit of ATM machines is quite different:

The single transaction of China Bank, Industrial and Commercial Bank and Industrial Bank is 2,500 yuan, the single transaction of China Everbright Bank, Bank of Communications and Qingdao Bank is 3,000 yuan, the highest transaction of some machines of China Merchants Bank is 10000 yuan, the highest transaction of ordinary ATMs of Agricultural Bank is 2,000 yuan, and the highest transaction of deposit and withdrawal machines is 5,000 yuan.

Customers need to use cash. Why can't banks be convenient? On the contrary, why do they set restrictions on customers who withdraw cash?

In many banks, the first consideration is "security" rather than "convenience". Setting withdrawal restrictions can help customers protect the safety of funds. Imagine that if your bank is unfortunately stolen and the amount of cash withdrawn by the thief is limited, your loss can be minimized.

The cash capacity of each ATM is limited. If all machines are loaded with hundred-dollar bills, the capacity is between 800,000 and 654.38+00,000. If small and medium-sized cities still carry 50 yuan banknotes, the capacity of ATM machines will be reduced.

Imagine that if you don't set the cash withdrawal limit, the frequency of ATM card loading will increase obviously, and the machine will easily be empty. For security reasons, banks are very strict in the management of adding money to ATM machines, which consumes a lot of manpower and material resources. Too high loading frequency will affect bank operation.

Domestic cash management is very strict, mainly to maintain financial order. A large number of cash transactions are prone to high-level crimes, money laundering, tax evasion and so on.

In April this year, the central bank issued new regulations to further standardize cash withdrawal management. Make an appointment to register in advance for large cash withdrawal. Generally speaking, one day in advance, you can make an appointment at the local counter, telephone or website. And write down the purpose of the withdrawal. In fact, the contents and procedures of registration are very simplified, but the purpose must be truthfully filled in so that problems can be traced back.

Therefore, it is not surprising that cash transactions, whether at counters or at ATMs, are strictly controlled by management.

Let's see why the atm limit is low.

First of all, this is because of the need to ensure the funds of the card owner.

If someone around you takes your card and can withdraw so much money from the ATM, it is a great loss. Self-service channel to withdraw money is to meet the daily needs of the day, such as eating, riding, playing and so on. So the limit will be set at a relatively low threshold.

Even if someone knows your password and goes to the counter to withdraw money, they still need an ID card. If anything happens, you can find him at once.

Secondly, this is the need of the bank for fund management. If you can withdraw so much at once, the dispatch will be very troublesome, which will further affect other customers to withdraw money. The development of atm in the future should also be changed.

Let's first take a look at the reasons why an appointment is required for large cash withdrawals: because of risk control, banks will control the amount of cash bills to meet the needs of daily operations, so generally, large amounts need to be reserved, 1-2 working days in advance.

The bank needs to make an appointment to withdraw 50 thousand yuan. At this time, a subtle arrangement for banks is to reduce the use of cash and promote the use of online channels such as e-banking. As for why ATM doesn't change the limit to 50 thousand, the answer is simple, because there is no money, or no cash.

I don't know what it's like in other places, but here, you can add up to 500 thousand cash to the cash box of the ATM. If the withdrawal limit is relaxed to 50,000, as long as 10 people withdraw 50,000 cash, the ATM will have no money and need to add money again. At present, the limit of ATM is 20 thousand, and it takes at least 25 people to withdraw all the money. Does this greatly extend the use time of ATMs, and at the same time?

As for why banks need to make an appointment in advance if they want more than 50,000 yuan, apart from promoting online payment, there is also a misunderstanding that there is a lot of money in the bank, so you should not use it up. In fact, it is not:

On the one hand, based on the consideration of cost, the bank's money is not unlimited, and banks also need fire-proof, anti-theft, mildew-proof, moisture-proof and rodent-proof space to keep cash. Security facilities alone are expensive, so the space in the vault is not large, and the amount of cash stored in the bank is limited, so the cash in the bank is limited. Generally, each business outlet will have 800,000 to 654.38+0.5 million cash according to its own business needs. Because cash is limited,

On the other hand, based on competition considerations. There is fierce competition between banks. If you withdraw 6,543,800+from ICBC and deposit it in CCB, it means that CCB has 6,543,800+and ICBC has 6,543,800+. If ICBC's cash inventory is insufficient, then ICBC will arrange people and cars to go to the People's Bank to get cash, which will not only consume manpower, but also face the risk of being taken away by cash trucks. Therefore, in the spirit that a dead friend will never die or be poor, all banks will cover their pockets to avoid cash outflow. This is also the reason why the lobby manager insists that you use transfer to conduct capital transactions.

Through this question, the limit problem of ATM machine is also indirectly answered. Why don't banks change the quota? The key lies in cost control, that is, to save costs and gain profits as much as possible.

Of course, there are many ways to avoid it, such as using online banking and preparing multiple bank cards. Of course, with the implementation of the licensing order, this method has gradually lost its effectiveness.

This ATM is made for the convenience of withdrawing money. ATM machines have good protection measures and monitoring measures, but the money that can be put in is limited, once a day, or once every few days. If it's 50 thousand, it's too fast. In addition, in order to protect the interests of users and prevent some old people from transferring money to scammers, banks found that this could stop this stupid behavior in time. Ensure the safety of users' funds.

There are many reasons why the ATM withdrawal limit cannot be changed to 50 thousand. Banks mainly consider customer demand, service ability, security control level and other factors.

Ensure that the cash withdrawal amount of each card is different from the daily cumulative amount. However, the daily withdrawal amount of bank cards is mostly 20,000 yuan, which basically meets the daily cash needs of cardholders.

But the single limit of ATM machines is very different. The single limit of China Bank, Industrial and Commercial Bank and Industrial Bank is 2,500 yuan, China Everbright Bank, Bank of Communications and Qingdao Bank is 3,000 yuan, some machines of China Merchants Bank are 10000 yuan, ordinary ATMs of Agricultural Bank ATM 2000 yuan, and deposit and withdrawal machines are 5,000 yuan.

ATM machines are convenient and flexible, mainly for small customers to use on the fast track. Let's exchange a lot of cash in another way.

ATM machines can transfer money 24 hours a day for the safety of cardholders.

If the amount exceeds 20,000 yuan, it is best to use the functions of bank counter transfer, online banking transfer, mobile banking transfer, etc. to prevent the risk of mistakes and trace them. There is something wrong with the cash transaction, which is difficult to recover.

Safety first, convenience second. It's not easy to earn some money. What if you make a mistake?

Do banks think there is too much money in their accounts? If you save millions, of course, you don't have to queue up to withdraw money and set up some obstacles. Some people originally wanted to take 25 thousand, but they only took 20 thousand for fear of trouble. The same is true for setting the broadband of calling cards. The procedure is simple, and it will be very troublesome when they want to cancel.