As the lobby manager of a state-owned bank, I can tell you clearly: If you want to withdraw 50 million in bank deposits at one time, the mentality of the person in charge of that bank branch will probably explode. She will definitely try her best to keep you here.

The largest customer of our branch is the aunt of a demolition household. The demolition money for her family was more than 13 million, all of which was deposited in our bank branches. Moreover, this 13 million is deposited regularly every year.

Many people may think that this aunt is stupid. What can she do with more than 10 million? Why must she deposit it in the bank? If you deposit it in the bank, there are so many high-yield activities that don’t allow you to deposit it. Do you have to deposit it regularly for one year?

These are the thoughts of us onlookers. In fact, from the aunt's perspective, her choice is still very wise.

Auntie has tens of millions in bank deposits and is a truly rich person. But her money was not earned bit by bit. It was demolition money. In essence, she is just an ordinary person without the investment capabilities that a wealthy person should have.

Auntie knows nothing about investing or doing business. So for her, the best way is to deposit her money in the bank. Money safety is her first priority.

I can tell you in detail what special treatment this aunt has enjoyed after saving so much money in our branch.

Many people say that if you save a lot of money, you can negotiate the interest rate. This can indeed be discussed. But 13 million, for a big bank, is not big enough to allow superiors to meet with them. But for some small banks that are short of money, it is really a treasure. Talk about interest rates, no problem at all.

Although Auntie deposits regularly for one year, the interest rate on the passbook is still the same as ordinary people. However, when you save so much money in the bank, you will definitely get extra rewards in addition to the normal regular interest rate.

Our branch will reward customers with points for depositing regularly every year. The points standard is:

Deposits of more than 500,000 yuan, 30 points for 10,000 yuan. For deposits of more than 1 million, 10,000 is worth 40 points. But this aunt has saved more than 13 million on a regular basis for a year, and the reward points given to her are 10,010 points.

What are these points for? This point is a joint activity between our bank and major supermarkets in the city. One point is equivalent to a one-dollar supermarket shopping card. 13 million points per year, which is equivalent to a 130,000 points shopping card.

This 130,000 points can buy a lot of things. From daily consumption, clothes and cosmetics, household appliances in supermarkets, and computers and mobile phones, it can be said that it includes most of the products that can be encountered in life.

Moreover, these points can also be cashed out. For example, if you have 10,000 points, you can sell your points to some middlemen at the entrance of a large shopping mall. As for whether it's a 20% discount or a 15% discount, it's up to you to negotiate.

In addition to points, there are also gifts. There are also many types of gifts in the branch, and I basically let this aunt choose at will. If you like it, you can take it directly. If you can't pick it up, we will deliver it to your door.

This aunt is directly contacted by our branch president. Generally, if there is anything, she will contact our branch president directly. Moreover, the branch president’s request to us is that everyone must know this aunt.

If the aunt comes over one day to handle business, no matter what kind of business is handled, she must be introduced to the VIP room as soon as possible, and then make a cup of tea and handle it exclusively in the VIP room.

If it is a holiday, let alone it. Dragon Boat Festival, rice dumplings with salted eggs are ready. Mid-Autumn Festival, moon cakes and red wine are ready. My aunt likes to eat hairy crabs, and every year when the season comes, she gives many hairy crab gift vouchers.

Once this aunt called our branch manager and said that she had to catch a plane at noon. Then our branch manager drove her directly to the airport during her lunch break.

Is this treatment exaggerated? No exaggeration at all. Many banks are keeping an eye on big customers like this. As long as you are not careful and do not take good care of yourself, you will be poached by other banks immediately.

In a branch like ours, basically all the people who come to deposit money are individuals. The total assets of the bank are not large, only a few hundred million. If a customer with tens of millions of deposits is lost, the president's mentality will probably explode.

If you want to withdraw 50 million in deposits, the person in charge of the bank will probably be so panicked that he will not be able to sleep for several days. The person in charge of the bank will definitely meet with you as soon as possible and then ask in detail the specific reasons for withdrawing the money.

If it is because you think other banks have higher interest rates on deposits now. In order to keep you, the bank will definitely try to increase its negotiating leverage.

If you really want to use money to buy a house, or invest in a company, then there is nothing you can do. The bank also knows that it cannot keep him, and although he is reluctant to let go, he will not force him.

Withdrawing 50 million from the bank will most likely be a transfer, and it is impossible to withdraw cash. I can tell you with certainty that few normal individuals would withdraw such a large amount of cash.

Many people have no concept of cash. I would like to share with you the concept of 50 million cash.

A 100 RMB note weighs 1.15 grams. 50 million means 500,000 one-hundred yuan, which is heavy.

575Kg

575Kg, 1,150 pounds, is not something that more than a dozen people can carry. If you want to take away so much cash, you must use a small truck to pull it.

Let’s assume that there is a person who wants to withdraw 50 million in cash. How will the bank handle it?

For such a large amount of 50 million, the branch must report it to the provincial branch as soon as possible. After the provincial branch receives the news, the bank's anti-money laundering system will immediately start tracking you.

The bank will start investigating. What are you doing with such a large amount of cash? Are there any criminal activities involving money laundering? Is there any suspicion of tax evasion?

Some people think that the money is mine and I can take it as I want and do whatever I want with it. This idea would be completely wrong. The money is yours, but you can't just take it out and do whatever you want with it. All your money must be under the supervision of the state to ensure that you do not do anything illegal or disciplinary.

This review process will definitely not be short. And even if the review is passed, you still need to transfer money from the treasury to prepare so much cash.

This process takes at least three to five working days, and normally takes about a week. If everything is ready, the bank will call the customer to withdraw the money and arrange a time to withdraw the money.

When withdrawing money, where do you withdraw it? Go to the branch where you deposit money? Definitely not, go to the city branch or provincial branch.

With such a large amount of cash, the first thing is to face a security problem. A cash transport truck can generally only transport a few million in cash. To transport 50 million, it is estimated that large special vehicles will be mobilized for transportation.

The place where Ni can withdraw money will definitely not be in a small branch, but at least it must be in a city branch or a provincial branch.

Some people say, I withdraw the money, count it, and then deposit it on the same day. I want to say, are you kidding yourself?

In all the years I have worked in banks, I have never seen any rich person withdraw a large amount of cash, count it on the spot, and then deposit it back.

Once the money is taken away, will this matter be over? Definitely not.

The bank's anti-money laundering system will continue to track your account and closely monitor every move in your bank account.

Many people would say that banks only serve rich people. This is actually true. Just like when you are doing business, you should give priority to serving customers who can bring you benefits.

Opening a bank is similar to doing business. The more money you save, the more benefits the bank will get, and you will naturally enjoy better treatment.

For any branch, 50 million is a huge amount, and you are treated like God.

If you want to withdraw the 50 million, the bank will try every means to keep you here. Because the bank can't bear to part with a big customer like you, and it can't afford to lose.

Go to the bank to withdraw 50 million in one go, and the bank will treat you like a VIP. Because if you want to withdraw 50 million, you must first deposit 50 million in the bank. Anyone with 50 million in the bank must be a VIP of the bank. When you say "withdraw", you should be withdrawing cash rather than transferring money. For safety reasons, if you withdraw 50 million in cash, the bank will not arrange for you to handle it together with ordinary customers. Instead, it will invite you into a VIP room and handle it exclusively for you. .

Although you can enjoy VIP treatment, it is not recommended that you withdraw 50 million in cash at one time.

Nowadays, bank settlement channels are very smooth. Even inter-bank transfers and long-distance transfers are received in real time, which is very convenient and fast. There is no need to use cash for economic transactions. Wages can also be paid to employees by banks, and employee salary cards can be issued in minutes.

It is very troublesome for you to withdraw so much cash. First of all, banks generally don’t have that much cash on hand, so you have to make an appointment two or three days in advance; secondly, a large sack can hold 4 million yuan in cash in denominations of 100 yuan, and 50 million yuan requires at least 13 large sacks and a small truck. Transported; thirdly, if you need two people to count and bundle so much cash, you probably won’t be able to count it all in one day.

Nowadays, I know of two situations when using cash for large amounts. One is to cash out wages for migrant workers and give them a lot of cash so that they can queue up to receive it; the other is to do charity and build a wall of cash and distribute it to recipients. These are all intended to create publicity effects.

Withdrawing 50 million at one time, there is only one possibility for the bank's entertainment method, which is a sincere attitude, high-end and far-reaching gifts, but you must try every means to retain it, whether it is setting a threshold or taking the route of favor, if you want to receive it all at once It is not easy to withdraw 50 million easily. Of course, if you are firm in your attitude, you will definitely be able to withdraw it in the end. There is no doubt about this.

1. To withdraw 50 million yuan at a time, you need to make an appointment with a bank branch 3 days or more in advance. The branch then reports the position to the accounting operation department and allocates cash. The 50 million yuan fund is not reserved in advance, even if the bank agrees. There isn’t that much reserve money for you that day.

The last thing I want to say is that bank deposits and withdrawals occur every day, and large-amount withdrawals and transfers also occur every day. There will indeed be some "obstructions" in withdrawing large amounts of funds, but banks will not violate According to the principle of freedom of withdrawal, you will still withdraw money when you need to.

Lobby Manager: Hello Mr. Qing, do you have any business this time?

Me: Prepare 50 million in cash within two days, I will pick it up.

Lobby Manager: Brother, what did we do wrong? Isn’t it enough to change it?

Me: The plan to give bonuses to corporate employees has nothing to do with you.

Lobby manager: Mr. Qing, I have to apply for a cash transfer of 50 million from the headquarters. We will send it to your company in three days. Sir, please go through the formalities with me first.

Does this image appear in many people’s minds when it comes to withdrawing 50 million in cash at one time? In fact, I have never withdrawn a lot of money at one time, but I know that when the amount reaches more than 500,000, I need to say hello a certain time in advance. Such cash, which can easily exceed tens of millions, requires cash inventory to be withdrawn from the head office. The time is not easy to determine, but the other party will definitely transport it to your designated location safely, and professional personnel will contact your company. All cash will be counted in person and we will continue to provide you with follow-up services.

Especially as the end of the year approaches, major banks pay more attention to cash flow. Many local companies like to give out year-end bonuses in cash to their employees and will say hello in advance. The other party is very polite and will cooperate with all your normal requirements, because these are high-value potential users, and no bank will easily offend these companies or individuals that it has cooperated with before.

Withdrawing 50 million yuan in cash at one time has never been done in real life, I have only heard of it. The operation process is as follows:

First: Make an appointment with the savings bank at least three working days in advance. Because of the 50 million yuan in cash, even the county-level branches will not have so many reserves. They need to report to the provincial branches or even the head office for later allocation.

Second: Go to the designated branch of the bank with the deposit receipt to handle withdrawal procedures. If a depositor wants to withdraw 50 million yuan in cash, he must have a deposit certificate equal to or exceeding 50 million yuan. This is the most basic withdrawal procedure.

Third: The bank’s risk control department will conduct necessary investigations and verifications on customers’ cash withdrawal behaviors to avoid illegal and criminal activities that may cause losses to the parties involved. For large cash withdrawals, the bank's risk control department will conduct corresponding investigations and verifications, which does not infringe on the autonomy of depositors. If criminal violations are found, they will be reported to the public security department for investigation. This is also a concrete form of responsibility for large depositors.

Fourth: For a huge cash business of 50 million yuan, the bank will provide escort services, but the withdrawer must also have a corresponding plan to safely transport the huge cash.

As a financial worker and a former bank employee, I told the questioner that if you withdraw 50 million yuan from the bank at one time, you may encounter some difficulties, or soft resistance.

Even so, the bank will not back down just yet. It will have to establish a good relationship with you and expect you to deposit your deposit into the bank next time, or promise you more favorable treatment than before, such as Deposit interest rates, other benefits, etc.

If you withdraw 50 million from the bank at once, the bank president will be so frightened that he will sweat profusely and try to retain you as a customer at all costs, and he will also provide you with unimaginable entertainment.

Not only will your interest rate be raised at this time, but as long as the conditions you propose are not excessive, the bank will be 100% satisfied with you.

Nowadays, if someone can deposit 50 million in cash, his assets must exceed hundreds of millions. There are less than 1 person in our country who can deposit 50 million.

Just depositing 50 million in the bank will earn more interest every year than 99% of people in the country.

Let’s calculate the annual interest.

Calculation method: 5000 (ten thousand) *6 (interest rate) 3 million (ten thousand).

Average monthly: 250,000 yuan. This kind of income is definitely top-notch in our country.

And the profit that this 50 million can bring to the bank is much higher than the interest it gives you.

As a bank account manager, I will tell you from a professional perspective.

In 2017, the owner of a supermarket chain there put his 10.8 million yuan deposit into our bank.

When the bank president heard that he had received a one-time deposit of 10.08 million yuan, he was as happy as if he had won a 30 million yuan lottery ticket.

I drove my favorite Audi A6 to the supermarket owner’s house. Without saying a word, I pulled the supermarket owner and stuffed it into the Audi car.

Take us to the best five-star hotel in the city, and order lobster and abalone as you like.

In the end, it took a lot of effort to attract this customer.

One year later, the deposit period has expired. In order to retain this important customer, the bank offered an unprecedented interest rate and many enviable hospitality.

So from this point alone, it can be seen that if the bank's entertainment of 50 million is withdrawn at one time, it will be even more generous, mainly based on the following points.

When we usually make deposits, the highest interest rate is a three-year certificate of deposit, and the current interest rate is only 3.25.

In fact, this interest rate can be adjusted upward, depending on the amount of your deposit.

If the deposit amount exceeds several million, it can reach 3.85.

If the deposit amount reaches 50 million, congratulations, the interest rate on your deposit can be raised to around 5.

Then the interest for one year alone is 2.5 million. If the deposit period is up or you suddenly want to withdraw the money.

Then the bank president will definitely not be able to sit still and will try every means to retain you, including raising interest rates as entertainment.

No matter how much you deposit, the bank will not give you a bottom line of interest rate. It will not show you the bottom line until you are ready to withdraw it, just to retain you through the return of this interest rate.

The annual interest alone is as high as 3 million, and there are only a handful of jobs with an annual salary of 3 million in our country.

Moreover, you don’t need to work to deposit money in the bank. Every day when you lie in bed and open your eyes, more than 8,000 yuan will arrive in your account.

You can choose any car within 3 million yuan, and it is no problem to travel from all over the world.

So raising interest rates is one of the ways to entertain.

In fact, you only need to deposit 1 million to enjoy this kind of hospitality, but the more the deposit, the higher the level of hospitality.

A customer with a deposit of 50 million is definitely a big customer that banks covet. The reception room is also very different. Just like a five-star hotel, there is a row of red wine walls for customers to choose from, and hospitality services The business staff are basically young and beautiful female employees.

What does your service attitude make you feel like God?

Sometimes you don’t need to go to the bank in person to do business. All you need is a phone call, and the bank will send staff to serve you.

So don’t think this is an exaggeration, because deposits are very important to banks, and the rich man in the bank is God.

As long as you can attract deposits, these services are not a problem.

Sometimes banks will hold activities, that is, during the activity, deposits will be given out gifts, such as rice, oil, rice cookers, and other daily necessities.

For those who have more deposit customers, there are some small surprises during the holidays.

Every Mid-Autumn Festival, our bank will send moon cakes and some salted duck eggs to its 1 million deposit customers.

Sending Spring Festival couplets and a box of apples during the New Year is also a way to win over customers.

So a deposit of 50 million is enough for the bank president to personally give you these gifts, and the gifts are not small gifts such as salted duck eggs.

Basically they are tea, cigarettes, alcoholic drinks and high-end products. The owner of the supermarket chain where I have deposits in the bank and the president of our bank will invite her out for dinner every now and then, and will give them to her every year and festival. Only stuff for entertaining distinguished guests.

So as long as you can bring enough profits to the bank, you can enjoy these things.

Usually our credit card has just been opened and has only a limit of several thousand or ten thousand. A credit card is a kind of credit card issued by a bank. It is a credit function that allows you to lend a sum of money to alleviate difficulties with credit.

With a deposit of 50 million in the bank and such a large cash flow, his assets must be hundreds of millions or more.

Generally, in this case, the bank is not afraid that he will not have the money to pay back, so they all open diamond VIP cards one after another. In this case, the deposit limit is 50 million, usually at least several hundred thousand.

Therefore, only people with high deposits can enjoy such treatment.

If one day you suddenly want to withdraw this 50 million from the bank.

Then, the bank president and bank employees will come to you to have tea and discuss the situation.

If you can retain them, try to retain them and offer some more attractive benefits than when you made a deposit.

If he said that he needed the money very much, then the bank president would not be able to force him to keep it.

But if you want to withdraw the 50 million in cash, you will definitely not be able to withdraw it within three to five days.

There are mainly the following three situations.

The weight of a new 100 RMB in 2021 is 1.15 grams each.

One million yuan is about 11.5 kg, which is 23 pounds.

Then 50 million yuan is: 50*23 1150 pounds.

Therefore, no one can transport it away, and it is impossible to collect 50 million in cash in a short time.

50 million is not like how we usually withdraw 5,000 yuan, which can be withdrawn from any ATM.

If your card suddenly has an extra 500,000 yuan or you withdraw 500,000 yuan at a time.

According to the bank's anti-money laundering regulations, if a single-day withdrawal or a deposit of 500,000 or more than 500,000 is made, or each withdrawal exceeds 500,000, the bank will inquire about the origin of the money. For a moment, is it suspected of money laundering?

Therefore, if you withdraw 5,000 yuan at a time from the bank, the bank's branch will report to the superior bank for approval.

Just check the legality of the money. Is it suspected of money laundering?

Therefore, banks must not be sloppy in this regard, because if negligence leads to the risk of money laundering, then the whole bank will be punished.

So if you withdraw 50 million from the bank, then the bank will try every means to retain you, give you more generous treatment, and it is normal to increase the interest rate.

But it will definitely be very troublesome to withdraw the 50 million, because the bank where you deposited the money has to report it to the superior bank to check whether the money is suspected of money laundering? If there is no suspicion of money laundering and everything is normal, we will contact you within 3 to 5 working days to raise the money, and the withdrawal location will be at a larger bank.

So the profits that 50 million can bring to the bank can be seen from these benefits.

But the interest that these 50 million has brought to me is enough to allow me to eat and drink abalone and lobster every year.

So this is the treatment the bank will give you if you get 50 million from the bank.

If you had these 50 million, what would you choose to do?

(Thank you friends for watching and supporting).

For ordinary bank branches, 50 million is enough to support this branch, so when you deposit 50 million, you are the boss, and you cannot get super VIP treatment, but when you want to withdraw it all at once That would be difficult. First of all, you have to be persuaded and lobbied time and time again by the president or manager. Anyway, they are trying to get you to cancel the idea of ????withdrawing money in one time. If you insist on withdrawing money, you must report it to the head office for approval. What is anti-money laundering? Review, etc., a series of operations are completed to make an appointment. Of course, these processes are estimated to take a month, and the premise is that 50 million is deposited

Withdraw a large amount of cash from the bank at one time, 50 million, the bank will definitely Acceptance, but the process and procedures will make you annoying, and the final result is unsuccessful.

1. First, you must pass the anti-money laundering test. Now the People's Bank of China attaches great importance to anti-money laundering, and the core of anti-money laundering is the use of cash. Because the use of cash is the easiest way to evade anti-money laundering supervision, we have seen many movies in which criminals use cash for transactions. Why? Just want to avoid anti-money laundering supervision. To withdraw 50 million in cash, the company must at least provide a lot of relevant supporting materials to prove the rationality and necessity of your cash withdrawal, otherwise the bank will refuse based on the requirements of the People's Bank of China.

25,000 million in cash is basically impossible to pass the anti-money laundering test. Because bank cards are widely used nowadays, why can’t bank cards be used for transfers? No company can explain the rationality of this article. Of course, the bank will be very good at telling you the pros and cons, and will even use the People's Bank of China's anti-money laundering laws to scare companies. The end result is unlikely to be successful.

3. It is possible for a company to withdraw several million in cash. Sometimes bonuses are paid out, hoping to use cash to motivate its employees. At this time, as long as you pass the anti-money laundering registration level, banks will generally let you make an appointment three days in advance. If the relationship between the bank and the enterprise is good, it is possible to send money to your door, but most likely the enterprise will pick it up. Why? Because bank deposits are now carried out by third-party security companies, and the bank itself does not have a deposit department, from the perspective of protecting itself safely and prudently, banks generally do not arrange to deliver money to your door.

4. Now our thoughts must keep pace with the times. Those scenes of banks responding to requests and taking the initiative to deliver money to your door were scenes from more than ten years ago when bank cards were not widely used, and there are only electronic scenes from the last century. Although there are anti-money laundering laws in foreign countries, if companies want to withdraw large amounts of cash, they are still allowed to do so. But in our country, such huge amounts of cash will certainly not be supported. We strictly supervise financial activities, so it is very difficult for this kind of situation to happen.

This is also a little knowledge for everyone. Some things are reasonable but illegal in our country and are subject to restrictions from all parties.

Withdraw 50 million yuan in one go? Did I make a typo? It should be a one-time transfer of 50 million yuan, right? Because if you withdraw 50 million yuan, you will not be able to withdraw it for two or three days. Secondly, if you withdraw 50 million yuan, you will need roughly 21 cash boxes (a medium cash box in the bank can usually hold 2.4 million yuan). This requires a car. The pickup truck is loaded. Unless you are a conspicuous wealthy person who wants to get married or show off your salary, almost no one will do this. Not only are the accounts prone to errors, but it also increases risks for no reason. Withdrawal (transfer) to the business

The business account is mainly a company account. For a company account, especially a large company, it is normal to withdraw 50 million yuan, so you withdraw 50 million yuan or Transferring 50 million yuan is not a special matter. As long as you apply to the bank in advance and the bank has sufficient positions, you can handle it. Private withdrawals (transfers)

Private withdrawals of 50 million yuan are not a small sum. If the amount of 50 million is an average daily deposit, the account manager can be transferred from non-staff to on-staff. The staff will mention a few more grades. Even for the entire network, this amount is not small.

Therefore, whether it is a withdrawal or transfer of 50 million yuan for personal use, the bank will try its best to retain it. Unless there are other special reasons (such as you want to repay other people's money, etc.), then the conditions other banks will offer you are normal original deposits. The bank can also give it to you, so if you withdraw 50 million yuan privately, you will be bombarded to retain it.

Some people will say that for private withdrawals or transfers, will the bank transfer it to the customer? In fact, this is all a misunderstanding. Deposits are voluntary and withdrawals are free. This is everyone's right, and banks have no right to interfere. If you insist on withdrawing money, the bank will eventually agree to it, but unless it is a transfer from a peer, if it is an inter-bank transfer or withdrawal, it will usually take about one or even two days, because it involves a position issue.

What is a position?

Bank position is a professional name for the banking system’s allocation of available funds. Each bank has its own fund position. In this way, maybe you still don’t understand it enough. Let’s explain it to you through a simple example.

For example: After Bank A received a deposit of 1,000 yuan and handed over the deposit reserves of the central bank according to regulations, it only had 700 yuan left to use for loans. . Assume that the bank has already issued a loan of 500 yuan, and the other 200 yuan cannot be idle in the account to pay customer interest. Then the bank will put the 200 yuan into the People's Bank of China and let the central bank distribute it to those who are in need. position of the bank.

Suppose that before Bank A has deposited the 200 yuan into the People's Bank of China, a customer wants to borrow 300 yuan. Then Bank A's own position is insufficient and it will be short of 100 yuan. Then it will have to borrow money from other banks. This is what a position means when you transfer it into a position.

Therefore, if you want to withdraw 50 million yuan or transfer 50 million yuan, and there is not that much money in your bank account, you cannot withdraw it (cannot transfer it). You can only apply for position allocation first. This is The reason why banks require customers to make an appointment in advance for large withdrawals. If it is a transfer, it can usually be allocated to the position the next day; but if it is a cash withdrawal, your 50 million yuan is too large, so you need to coordinate the escort vehicle and the central bank's vault to prepare cash (the bank's own vault generally does not reserve so much cash), it may take two to three days.