No, only one person can open one card at one bank.

Requirements for handling bank cards.

1. The same mobile phone number corresponds to the same ID card. Currently, with the use of mobile phone SMS verification codes, SMS balance reminders and important notifications, mobile phones have become a way for banks and payment institutions to verify personal identity and protect individuals. An important means of financial security. Banks and payment institutions should establish a one-to-one correspondence between contact phone numbers and personal identity document numbers. If the reason cannot be proved, non-counter business should be suspended for the relevant bank account and all business for the payment account should be suspended.

2. Each bank can only apply for one savings card. According to the regulations of the Central Bank, starting from December 1, 2016, the same person can only open one Class I account (for bank settlement) at the same bank. Account, including bank card, the same below), if you have opened a Type I account, and if you open a new account, you should open a Type II account or a Type III account. According to the explanation of the central bank, Type I accounts in personal settlement accounts are accounts currently opened by individuals at bank counters and verified on-site, and have full functions; Type II and III accounts are accounts opened through electronic channels such as bank counters or the Internet. A separate bank account has limited functions and needs to be bound to a Type I account; at the same time, the central bank also divides payment accounts into Types I, II, and III.

3. ATM transfers can be reversed within 24 hours. Starting from December 1, transfers through ATMs, mobile phones, and online banking will become a bit troublesome. When transferring money at an ATM machine, no matter whether you choose real-time payment, ordinary payment or next day payment, it will take 24 hours to arrive. If you transfer the wrong account or are deceived, you can recover your money, but you should also beware of new transfers. What a scam!

4. WeChat, Alipay, etc. limit the transfer amount:

1. Banks and payment institutions agree with customers in advance on the limit and number of transactions. If the limit and number of transactions are exceeded, bank account transfers should be processed at the bank counter, but payment accounts cannot be processed.

2. Strengthen security verification methods. In addition to transferring funds to the bank account of my counterpart, if the bank handles non-counter transfer business for individuals, and the cumulative amount in a single day exceeds 50,000 yuan, it should use safe and reliable payment instruction verification methods such as digital certificates or electronic signatures.

3. Set large transaction reminders. If the cumulative daily non-counter transfers in the bank accounts of organizations and individuals exceed 1 million yuan and 300,000 yuan respectively, banks should issue reminders for large-value transactions, and the organizations and individuals can only transfer the funds after confirmation.

5. Suspension of non-counter business for accounts that have not traded for half a year. According to the public security organs, after criminals acquire a large number of accounts and open accounts under false pretense, some accounts will not be activated immediately. Under normal circumstances, after individuals open accounts, Generally, it will be activated immediately. If the account is not used for a long time, it should be regarded as an abnormal situation and cause great concern. In the new regulations issued by the central bank, it is also stipulated that for accounts that have no transaction records within 6 months from the date of account opening, banks should suspend non-counter business, and payment institutions should suspend all business until units and individuals re-apply to banks and payment institutions. Business can be resumed only after identity verification.

6. Handling fees for cash withdrawals and transfers in different places within the same bank. In order to reduce the cost of residents’ transfers, Document No. 261 issued by the central bank on September 30 stipulates that banks will charge cross-border handling fees for the bank’s intra-bank cash deposits, withdrawals, transfers and other services in different places. If there is a fee, it shall be free of charge within three months from the date of issuance of this notice. In other words, by around January 1, 2017 at the latest, citizens who handle transfers at the same bank will be free of charge for cash withdrawals and transfers in other places.

7. After May 1, the magnetic stripe transaction function of bank cards will be closed. In June last year, the People's Bank of China issued the "Notice on Further Strengthening Bank Card Risk Management" requirements. On May 1, 2017 Starting from today, the magnetic stripe transactions of chip-magnetic stripe composite cards will be completely shut down, and commercial banks will be required to speed up the process of replacing existing magnetic stripe cards with financial IC cards. It should be noted that closing downgrade transactions only applies to composite cards, and pure magnetic stripe cards will not be affected. Bank staff said that for the sake of fund security, it is recommended to bring your ID card and original card to the bank where you opened your account as soon as possible to upgrade to a chip card. Currently, most banks provide free magnetic stripe card upgrade services, and a few banks charge part of the cost of the card. When replacing a magnetic stripe card, you can apply to the bank to retain the card number.