Take China Merchants Bank as an example: the wealth management account is opened on the basis of a one-card all-in-one wealth management account, which is used for the fund management of foreign exchange firm, foreign exchange options, bull and bear certificates, paper gold and silver, and consignment insurance business, that is, a one-card sub-account, also known as current investors.

In addition, the funds in the wealth management account cannot be directly withdrawn, and need to be transferred to the current account for withdrawal, credit card, transfer and payment.

In terms of cash management, the wealth management account can be used as the centralized management and dispatching center of funds, which is convenient for transferring and remitting money to any account of the Bank or other banks. It can also automatically transfer money to various bank cards on time and as needed to complete various living payments such as mortgage repayment, insurance payment and living payment.

In terms of investment management, the wealth management account is connected with all investment markets, and can directly invest in stocks, funds and foreign exchange transactions, and can also invest in entrusted wealth management products and time deposits of its banks.

Extended data:

Account opening process?

1, undocumented customer

If you don't have a mobile digital certificate (USBKEY) of China Merchants Bank, you should bring your valid identity certificate and one-card (if you don't have a customer, you can handle it on site) to the business outlets of China Merchants Bank. The fees related to mobile digital certificate (USBKEY) shall be subject to the amount announced by the business outlets of China Merchants Bank.

2. Customers with certificates and no mobile certificates.

If you have a digital document certificate of China Merchants Bank, but don't have a mobile phone digital certificate (USBKEY), please bring your valid identity certificate and any card of China Merchants Bank associated with the certificate to the business outlets of China Merchants Bank. Otherwise, after the wealth account is associated with the mobile phone digital certificate, the association relationship of all the original associated cards will be invalid. To restore the association, you must re-apply at the business outlets of China Merchants Bank.

3. Customers with mobile certificates

If you already have a mobile digital certificate of China Merchants Bank, bring your valid identity certificate to the business outlets of China Merchants Bank.

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China Merchants Bank-Account Opening Process

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