The daily cumulative limit for transferring funds and depositing cash into unbound accounts of Class II households is 1, yuan, and the annual cumulative limit is 2, yuan; The total daily cumulative limit of consumption and payment, transfer of funds to unbound accounts and withdrawal of cash is 1, yuan, and the total annual cumulative limit is 2, yuan.
if the daily accumulated deposit amount of the second-class card exceeds 1, yuan, the transfer is unsuccessful.
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Functions of Class I, II and III accounts of banks
Class I accounts: Full-featured bank settlement accounts must be opened at the counter or through bank self-service machines, after face-to-face identification by bank staff, and all financial services such as deposit, purchase of wealth management products, cash withdrawal, transfer, consumption and payment can be handled without limit.
class iii account: it can only handle limited consumption and payment, and limit the transfer of funds to unbound accounts. If the identity is confirmed face to face 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 account balance of Class III households shall not exceed that of 1 yuan; The daily cumulative limit of funds transferred into unbound accounts is 5, yuan, and the annual cumulative limit is 1, yuan; The total daily cumulative limit of consumption, payment and transfer of funds to unbound accounts is 5, yuan, and the total annual cumulative limit is 1, yuan.
the transfer of the second-class card is restricted, and the collection is not restricted.
as stipulated in the circular, from December 1st, the same person can only open one class I account in the same bank. If a class I account has already been opened, a class II account or a class III account should be opened, and only one class III account can be opened in the same payment institution.
Class I account is the "master leader" of capital inflow and outflow, usually debit card, which has all functions such as cash deposit and withdrawal, wealth management, transfer and payment, and there is no limit on consumption and transfer payment. Class II households can deposit money but cannot withdraw it, and can only transfer it to Class I accounts. Class III households can only be used for small consumption such as online payment and offline mobile payment, and the account balance cannot exceed that of 1 yuan.
The limit of single transaction and daily cumulative transaction of Class p>II accounts is 1, yuan, and there is no limit control on the transfer between bound Class I accounts, investment and wealth management purchases, and credit card repayment; The withdrawal of class II entity savings cards, transfer with unbound accounts, consumption, payment and other transactions are all limited by the daily accumulative total of 1, yuan and the annual accumulative total of 2, yuan
Characteristics of bank cards
The characteristics of class I bank accounts are high security and large transaction funds.
The second-class bank account is characterized by good convenience, convenient use and small transaction funds.
the characteristics of three types of bank accounts are mainly suitable for mobile payment.