Legal analysis: take it as long as you can. The functions of the bank card are: 1, consumption. Cardholders can spend money or pay service fees in special merchants in accordance with the scope and methods stipulated by the issuing bank. Usually, they can pay in cash by showing their bank cards and entering reserved passwords or showing their identity documents. 2. Deposit and withdrawal and exchange. Cardholders can use bank cards for deposits, withdrawals (including remote and inter-bank withdrawals) and remittances.

Legal basis: Article 3 of the Law of People's Republic of China (PRC) City on Commercial Banks can engage in some or all of the following businesses: (1) Absorbing public deposits; (2) Short-term, medium-term and long-term loans; (3) Handling domestic and international settlement; (4) Handling bill acceptance and discount; (5) Issuing financial bonds. (6) Acting as an agent to issue, honor and underwrite government bonds; (7) buying and selling government bonds and financial bonds; (eight) engaged in interbank lending; (9) Acting as an agent for buying and selling foreign exchange; (ten) engaged in bank card business; (eleven) to provide letter of credit services and guarantees; (12) Agency payment and insurance agency business; (thirteen) to provide safe deposit box services; (14) Other businesses approved by the State Council Banking Regulatory Authority. The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval. With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.

Measures for the Administration of Bank Card Business Article 2 The term "bank card" as mentioned in these Measures refers to a credit payment instrument issued to the society by commercial banks (including postal financial institutions, the same below) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Without the approval of the People's Bank of China, commercial banks may not issue bank cards.