The first card of China Postal Savings Bank is a Class I account, and the second card is a Class II account. Among them, Class I account is a full-featured account, which is also known as debit card. Generally speaking, it refers to an account opened through a traditional bank counter and meets all the strict requirements in real-name registration system. Simply put, it is a savings card or a debit card.
The difference between the first-class postal currency card and the second-class postal currency card;
First, support different businesses.
The businesses that Class II households do not support include third-party depository, bancassurance, bancassurance transfer, foreign currency deposit and withdrawal, electronic cash account, easy consumption and turnover.
In addition to the above businesses, it supports all other businesses, such as professional edition, foreign exchange settlement and sale, fund, wealth management, cash deposit and withdrawal, loan issuance and repayment, online payment and consumption abroad. , and supports all flash services except HCE and Ese.
Personal wage income, large-sum transfer, bank-securities transfer, payment of medical insurance, social insurance, pension and provident fund of Class I households are handled by Class I households.
Second, there are different restrictions on the amount of accounts.
Various accounts of Class II households (excluding binding card transfer, loan issuance and financial redemption) ≤ 1 10,000/day, 200,000/year; Various accounts (excluding binding card transfer, loan repayment and house purchase financing) ≤ 1 10,000/day, 200,000/year.
Extended data:
Class I accounts are full-featured accounts, which are also known as debit cards. Can handle deposits, transfers, consumer payments, purchase investment and wealth management products, cash withdrawals, etc. And the use range and dosage are not limited.
Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households.
Type II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts.
If the identity is confirmed by the bank staff in person through the bank counter and self-service equipment, Class II households can also handle cash deposit and withdrawal, fund transfer in unbound accounts, bank card issuance and other businesses.
Among them, the daily cumulative limit of transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
Class III households can handle limited consumption and payment business, and transfer funds from the limit to unbound accounts.
. If the identity is confirmed in person by the bank staff through the bank counter and self-service equipment, Class III households can also handle the transfer of unbound account funds into the business.
Among them, the balance of Class III account does not exceed 65,438+0,000 yuan; The daily cumulative limit of funds transferred to unbound accounts is 5,000 yuan, and the annual cumulative limit is 65,438+10,000 yuan; The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 5,000 yuan, and the annual cumulative limit totals 654.38+10,000 yuan. We can judge the difference between the first-class bank card and the second-class bank card from these points.
1 Function scope: Class I cards have the most complete functions, and there is no scope limit when handling business.
The second card is a restricted function account with limited business scope. For example, large amount transfer, bank-securities transfer and cross-border remittance are not supported.
2. Credit limit: The credit limit of Class I bank cards is not limited when handling business such as transfer and consumer payment.
Class II bank cards are subject to quota restrictions when handling business such as transfer and consumer payment.
3 Whether there is a physical card: All types of cards have physical cards.
The second type of card has no physical card, but we can also apply for a physical card from the bank.
According to the relevant regulations, an ID card can only open a first-class bank card account in the same bank, but it can open multiple second-class bank cards, generally up to four. So there is a certain difference in quantity between the two.