The difference between a passbook and a bank card is roughly as follows:

1. Different materials: a passbook is a paper booklet, and a bank card is a plastic card with a magnetic strip;

< p>2. Business processing methods are different: Passbook business can only be handled at bank counters, subject to bank business hours, while bank cards can be handled through various channels such as online banking and counters, which is more convenient;

In addition , the fees charged by the two are also different: bank cards require annual fees, production fees, etc. , passbook is free. If you usually handle a lot of business, it is more convenient to use a bank card.

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1. Security of passbooks and bank cards:

1. The most secure is the chip card (financial IC card), which mainly reads Get chip information. It is currently a bank card strongly recommended by the People's Bank of China. All banks are upgrading it and it is not easy to be copied.

2. Next, use the passbook to swipe the track information to read the card. However, since the passbook cannot be used in ATM machines or online shopping, its scope of application is limited to the counter, and it is the counter of the card issuing bank. The passbook is stamped with a banking seal, etc. , even if the track information of the passbook is cracked and cloned, the fake passbook will be quickly seen when used at the counter.

3. In addition, although magnetic stripe cards also swipe track information, they can be used in terminals such as ATM machines, the Internet, and POS machines. Therefore, crackers can create fake cards by reprinting, shopping, etc., and even transfer funds without having a physical card.

4. The least secure is to exchange a card, which has both a passbook and a magnetic stripe card, which combines the vulnerabilities of both the passbook and the magnetic stripe card. If you lose one of them, you run the risk of being impostered.

2. What is a passbook:

A passbook is a paper book used to record bank account transaction records, also called a passbook. The size of the thin deposit area varies by banking institution, but is generally the size of a checkbook or passport. In addition to domestic currency deposits and withdrawals, passbooks also support foreign currency deposits and withdrawals. Sometimes, non-currency stored value accounts such as securities and gold can also be deposited and withdrawn through passbooks. The passbook can also handle personal foreign exchange and stock trading business at some institutions, directly handle the entry of domestic and foreign remittances, and provide settlement services related to payment, telephone information, banking financial services.