Can the pension in the social security card be withdrawn across banks? Is there a handling fee?

In order to facilitate people to handle social security business, Ministry of Human Resources and Social Security is constantly promoting the functions and applications of social security cards. Nowadays, the social security cards used by everyone are all second-generation social security cards, which are exactly the same as bank cards, and there are bank business cards printed and distributed. The social security system can bind the bank account and save the cost of issuing cards.

What are the cooperative card-issuing banks that access social security cards to pension social security cards? That is, banks that cooperate with social security agencies to produce and issue social security cards. In order to know which bank issued your social security card, the social security card generally has a bank logo, which is clear at a glance. At present, as long as there is a second-generation social security card, the use of low-cost bank ATMs can fully meet the needs of cross-bank withdrawals.

Although the social security card can check how much money is in your pension account, the balance of the social security card is not displayed. The social security card only shows your personal medical insurance balance and bank account balance.

Inter-bank withdrawals are exempted from handling fees, and the first withdrawal fee is generally exempted, and the amount of each withdrawal does not exceed 2,500 yuan. According to public information, banks with this preferential policy include Industrial and Commercial Bank of China, China Construction Bank, China Bank, China Agricultural Bank and China Postal Savings Bank.

Therefore, it is the general trend to use social security cards to access pensions in the future. It is hoped that retirees will apply for social security cards and activate and open bank accounts as soon as possible according to local arrangements.

At present, the Notice of Ministry of Human Resources and Social Security on Comprehensively Promoting the Application of Social Security Card in Endowment Insurance (No.3 issued by the Ministry of Human Resources and Social Security 13) clearly stipulates that by the end of 20 19, all newly-added employees will pay their pensions through social security cards, which will be realized by the end of 12.

With one card, we can buy medicine and pension. Suitable for the elderly, after all, too many cards are inconvenient. When the pension is transferred to the financial account of the designated social security card bank, the bank will also bring in deposits and customers, which can also stimulate the enthusiasm of the bank to apply for social security cards.

At the beginning, we took the retirement card to the original employer or social security department to receive the pension. Since then, it has spent a lot of time, manpower and material resources, and gradually changed to the bank to issue pensions. It turns out that banks only have passbooks. In some places, when giving pensions to retired people, they usually open a passbook for the elderly, because the procedures for handling the passbook are very simple. Handling bank cards is more complicated, and now I am generally required to be present.

In this case, we will find that on the day of pension payment, many retired people are waiting in line at the bank gate with Mazar, waiting to receive the pension. Due to the preferential policies of the state before the establishment of the new rural old-age insurance system and the urban old-age insurance system, some urban and rural residents can directly enjoy the basic pension benefits without paying fees.

This treatment feels like a free fall from the sky. However, the treatment is not high. Originally, the national minimum basic pension was only 55 yuan, then 70 yuan, and now 88 yuan. However, this part of the funds is indeed a little low, and there are some additional subsidies on the basis of the state in various places, such as Shandong subsidy 1 18 yuan, Qinghai subsidy 175 yuan, and Guangdong subsidy 170 yuan. Beijing house price 800 yuan and Shanghai Gundam 10 10 yuan.

In fact, most old people are very clear about which bank's passbook should be withdrawn from which bank. So bank outlets are very important. If it is a bank with few outlets, it often receives complaints from the elderly. For the convenience of the masses, many outlets of rural commercial banks or postal savings banks are located locally.

Why can't I get a pension at other bank outlets? This is a question of bank resources. The bank has set up branches, which is not easy to be staffed and needs a lot of money. The purpose of its establishment is mainly to serve our customers. Giving money to customers of other banks all day, delaying the customer experience, will earn one or two hundred yuan of inter-bank fees. It is best not to set up such a business directly.

System security. A closed system is the safest. It is unsafe for computer systems to connect with other banking systems and exchange information at bank counters. Customer privacy. Theoretically speaking, bank customer information can't be leaked and can only be stored in the bank. In the case of inter-bank transactions and information exchange, this is tantamount to virtually revealing the privacy of customers. You have to get the permission of the customer, which is a huge management cost. Who would want to make trouble?

Fair competition. Aren't banks worried that their quality customers will be taken away by other banks? If you can find your own customer information from other banks, it is indeed possible to change the lobbying of quality customers. Eating others is soft, and holding others' hands is short. Don't you leave without your passbook for your warm service? For example, we went to buy fruit and went shopping. It's really embarrassing for you not to buy two Jin.

In fact, as long as we have a second-generation social security card now, using a low-cost bank ATM can completely meet the demand of inter-bank cash withdrawal, and the above four situations will not happen. For the more fashionable elderly, with smart phones, mobile apps can completely play with the bank's old-age care services.

In short, for most banks, it is impossible to withdraw money from other banks by taking social security cards to the counter for cash withdrawal or pension. But we can withdraw money from the ATM outside the bank.