Do I need to make an appointment to withdraw 49,000 from the bank?

No need, because it does not exceed 50,000 yuan.

According to bank regulations, you do not need to make an appointment to withdraw small amounts of cash from the bank. You can withdraw cash at an ATM or counter. If you want to withdraw large amounts of cash, you usually need to make an appointment in advance, because many banks do not have much cash on the day.

It is reported that generally, if you want to withdraw more than 50,000 yuan, you must make an appointment in advance. For safety reasons, banks generally manage cash very strictly in daily operations. Under normal circumstances, the cash stored in an ordinary branch is generally between 500,000 and 1 million, and they will not put too much.

Therefore, large amount withdrawals must be made in advance.

According to the regulations of the Central Bank, users must report cash withdrawals of more than 50,000 yuan as large suspicious transactions. The reason why the central bank requires cash withdrawals of more than 50,000 yuan to be reported is to prevent crime. Molecules launder money this way. Of course, as long as the source of money is legal, no one is afraid of being regulated.

Take ICBC as an example. If the withdrawal amount is between 50,000 and 200,000, you must make an appointment with the branch by phone at least 1 day in advance; if the withdrawal amount exceeds 200,000, you must make an appointment with the branch by phone at least 1-2 days in advance; and in Beijing For a single or single-day cash withdrawal exceeding 200,000 yuan (inclusive), the bank must make an appointment with the handling outlet at least one day in advance.

Some banks in developed areas or areas with active cash receipts and payments charge 100,000 or more than 200,000. Under normal circumstances, small banks such as city commercial banks, rural commercial banks and credit unions require an appointment for more than 50,000 yuan. Large banks such as the Industrial and Commercial Bank of China and the Agricultural Bank of China require reservations for more than 200,000 yuan.

The amount of advance reservation required for one-time withdrawals varies from bank to bank.

1. China Construction Bank stipulates that a one-time withdrawal of more than 50,000 yuan must be made one day in advance, otherwise the customer will not be able to smoothly Withdraw deposits;

2. Agricultural Bank of China and Bank of China stipulate that only one-time cash withdrawals exceeding 200,000 yuan (including 200,000 yuan) need to make an appointment one day in advance;

3. Transportation The bank's withdrawal limit is 100,000 yuan. If you withdraw more than 100,000 yuan, you need to make an appointment one day in advance;

4. Industrial and Commercial Bank of China, if the one-time withdrawal exceeds 50,000 yuan, the bank recommends that customers make an appointment in advance on the same day. You can withdraw money. However, if the one-time withdrawal exceeds 200,000 yuan (including 200,000 yuan), you must make an appointment one day in advance before withdrawing money.

Bank is a financial institution established in accordance with the law to engage in currency and credit business. It is the product of the development of commodity currency economy to a certain stage.

Banks are one of the financial institutions. Banks are divided by type: central bank, policy bank, commercial bank, investment bank, and World Bank. Their responsibilities are different.

Central Bank: The People's Bank of China is the central bank of our country.

State-owned policy banks: including the Export-Import Bank of China, Agricultural Development Bank of China, and China Development Bank.

State-owned commercial banks: including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, Bank of Communications, etc.

Investment banks: including Goldman Sachs Group, Morgan Stanley, Citigroup, Wells Fargo, UBS, Societe Generale, etc.

World Bank: Used to finance countries to overcome poverty. Each institution plays a unique role in the mission of alleviating poverty and improving living standards.