Since the crackdown on illegal trading of "two cards", some banks have raised the threshold for new card users

Is it really difficult to open a bank card?

　　Recently, a video website blogger complained about the experience of “making things difficult” for a debit card issued by a joint-stock bank in a foreign country, which caused concern.

The blogger claimed that he was a freelancer and a housewife. During the card opening consultation, the bank staff repeatedly asked questions such as the reason for opening the card, its purpose, and the reason for choosing the bank. He also asked to provide supporting documents such as contracts.

Under the blogger’s video comments, many netizens expressed similar encounters.

Is it really so difficult for a bank to apply for a debit card?

　　A recent investigation by a reporter from the Beijing Youth Daily found that there are large regional differences in the procedures and requirements for debit card account opening, and different banks in the same region are also different.

For example, the Beijing area is relatively easy, while Guangdong and other places have strict requirements; among the banks, the Agricultural Bank of China has relatively strict requirements.

On the whole, banks are much more cautious than before.

　　Visit

　　Many banks in Beijing can use their ID cards to issue cards

　　A reporter from Beijing Youth Daily visited many joint-stock banks and state-owned banks in Beijing. They all said that regardless of whether they are freelancers, they can apply for a card with an ID card. However, there are some differences between banks in terms of specific requirements.

　　A staff member of a Chaoyang branch of a stock company said that now all cards are issued by smart devices, and ordinary customers can do it in three to five minutes with their ID cards, but customers who do not have a formal job need to go to the counter to apply.

In addition, debit cards issued by the elderly may not be able to open mobile banking.

　　The account manager of another joint-stock bank said that customers who have no formal career can open a card and bring an ID card.

　　The account manager of a branch of a state-owned bank in Xicheng said that under normal circumstances, the card can be opened with an ID card, but if sensitive people such as the elderly want to open mobile banking at the same time, they will definitely ask questions such as the use of funds in detail to prevent the risk of fraud. .

　　These bank staff all stated that they would ask the customer about the purpose of the card when opening the card, and answer truthfully. Generally, customers use it for salary or financial management.

　　Facts

　　Different bank card opening conditions in the same area are different

　　Beijing Agricultural Bank: Other proofs are required to open a Type I account

　　The reporter found that among the banks visited, the Agricultural Bank of China had the most stringent requirements.

The lobby manager of an agricultural bank branch in Dongcheng District said that if the newly opened account is a type I account or a newly opened debit card, mobile banking and online banking must be opened. In addition to the ID card, other photo IDs, such as a driver’s license, must be provided. , Medical insurance card, etc., the account book is also available.

If you only open a Type II account, your ID card will do.

　　It is understood that the difference between bank type I accounts and type II accounts is that type I accounts are fully functional accounts that can be used for large-amount deposits and withdrawals, transfers, consumption payments, investment and wealth management and other businesses. The scope of use is not restricted, and No limit; Type Ⅱ accounts are convenient financial management accounts, which are used to purchase financial products such as investment and financial management, as well as consumption and payment of a limited amount, and there will be a certain limit.

　　The lobby manager suggested that if the elderly and other people who are easily deceived, if they just want to bind Alipay, WeChat, etc. to make daily payments, they can open a type II account, which is "small risk."

　　Beijing ICBC Customer Service: Will conduct a return visit to the newly opened account

　　ICBC's customer service said that you can go to bank branches to apply for a debit card with your ID card. When opening an account, the staff will call the customer's mobile phone number or send a text message to the mobile phone number to verify whether it is for you.

It is worth noting that ICBC will conduct telephone return visits to newly opened accounts in the near future, and will implement "receive but not pay" management and control for abnormal situations such as accounts not used by the person and failing to be contacted multiple times within a week.

If this happens, you need to bring your ID card and bank card to any branch for identity verification and release the control.

　　Banks in Guangdong and other regions: multiple certificates are required to open the card

　　Compared with Beijing, many banks in Guangdong have stricter requirements for debit cards.

ICBC customer service stated that some branches in Guangzhou are temporarily unable to provide account opening.

　　According to reports, the Bank of China in Jiangmen, Guangdong needs a work certificate and a social guarantee certificate before it can apply for a bank savings card.

China CITIC Bank in Shantou, Guangdong requires supporting materials to prove the source of income, and can only open a bank card with a daily transfer and deposit limit of 5,000 yuan. The card can only be used for a period of time to increase the limit.

　　It is understood that almost every bank in Shenzhen has strict requirements for individual account opening, and the process and data requirements are different.

The materials that may need to be provided include ID cards, social security payment records in Shenzhen for more than half a year, work certificates with the official seal of the unit, proof of mobile phones connected to the Internet for more than half a year or more, residence certificates, etc.

Among them, the length of time for the ID card and mobile phone number to enter the network is almost a rigid requirement of each bank, and other materials depend on the bank's own requirements.

In addition, when the bank staff handles the card opening business, they must inquire about the user's account opening purpose, watch the warning video of "selling cards in one day, life-long restrictions", and sign the "Notice of Legal Responsibilities and Prevention of Illegal Crimes".

　　remind

　　"Sleep account" under the personal name should be cancelled in time

　　It is worth noting that, in addition to strict control over card issuance, banks are also actively cleaning up excess stock accounts held by individual customers.

　　China Everbright Bank recently announced that it will clean up personal sleeping accounts and long-term immobile accounts, focusing on the situation that one person holds more than 4 Class I cards of the bank.

Ping An Bank and Industrial Bank have also issued announcements to clean up existing accounts, and the scope of the cleanup includes "one person with multiple accounts" and "long-term inactive accounts."

　　Postal Savings Bank’s announcement issued on December 29 last year stated that it will gradually and in batches exceed the standard for individual settlement accounts under the same customer’s name by June 30, 2021 (inclusive). 5 households and 5 category III households) will be cleaned up.

If the account has the above situation, I hold a valid real-name certificate and go to any branch of the bank for reasonable registration, downgrade and account cancellation as soon as possible.

The bank will restrict financial services for accounts that are not cleared after the due date.

　　In April of this year, China CITIC Bank made it clear that the number of the same individual customers of Type I, Type II and Type III accounts cannot exceed 4, 5, and 5, respectively. The applicable scope and amount of the above three types of bank cards are restricted in order. Decrease.

　　For cardholders who hold multiple bank cards, industry insiders suggest that they can regularly sort out the status of their bank accounts and assets under their personal names, and actively sort and merge their class I bank card accounts, with zero funds in the accounts. And the "sleeping account" that has not been used for a long time should be cancelled in time to reduce the risk of illegal use of the account.

Before canceling a bank card account, you should pay attention to unbound various third-party agreements such as withholding and payment, third-party depository, and associated repayment.

　　behind

　　Banks in areas with frequent criminal activities tend to be cautious in opening cards

　　Industry insiders pointed out that behind the difficulties in opening bank card accounts in some regions is the result of the "card break" operation.

　　In October last year, the State Council’s inter-ministerial joint meeting on cracking down on new types of illegal and criminal telecommunications networks was held at the National “Card Broken” operation deployment meeting.

The meeting requested that credit punishment be strengthened, and units and individuals and related organizers that are identified by the public security organs for renting, selling, lending, purchasing bank accounts or payment accounts, fake the identity of others or fabricate agency relationships to open bank accounts or payment account units and Individuals shall implement disciplinary measures that suspend their bank account off-counter business and all payment account business within 5 years, and are not allowed to open new accounts for them.

It is necessary to formulate and promulgate disciplinary measures against untrustworthy users who rent, lend, sell, and purchase phone cards, and publicly expose a group of business outlets and industry personnel who have established a large number of "two cards" involved in the case.

　　In December 2020, the Supreme People’s Court, the Supreme People’s Procuratorate, the Ministry of Public Security, the Ministry of Industry and Information Technology, and the People’s Bank of China jointly issued the "Notice on Severely Cracking down and Punishing and Controlling the Illegal and Criminal Activities of the Illegal Trading of Phone Cards and Bank Cards", with the aim of "zero tolerance" "The attitude of severely cracking down on the illegal trading of "two cards" illegal and criminal activities.

The notice emphasized that the telecommunications industry regulatory authorities and the People’s Bank of China will strengthen industry supervision in accordance with the law. Telecommunications companies, banking financial institutions, and non-bank payment institutions must follow the principle of “who issues the card, who is responsible” to implement the main responsibilities and strengthen risk prevention and control.

　　Industry insiders told the Beijing Youth Daily that, affected by the principle of “who issues the card, who is responsible”, some banks have set higher thresholds for new card users, and banks in areas where criminal activities are frequent are more vigilant.

After all, once the issued bank card is used for fraudulent activities, the bank will also be implicated.

The person said that some customers may find it very inconvenient, and this is ultimately to protect consumers.

If the bank card is used by fraudsters, it is the cardholder who suffers in the end.

　　On June 9 this year, the Ministry of Public Security announced that since the launch of the "Card Broken" operation, the Ministry of Public Security organized five rounds of centralized network collection operations by local public security agencies to illegally sell "two cards", cross-border traffic "two cards", Criminal gangs such as providing transfer and money laundering services for telecommunications fraud have launched a fierce offensive, accurately cracking down on the "two-card" criminal chain.

Up to now, the "Card Broken" operation has eliminated 15,000 criminal gangs that illegally set up and sold "two cards", arrested 311,000 suspects of illegal "two cards", and controlled 18,000 illegal industry outlets and institutions.

　　Regarding the phenomenon of different bank card opening thresholds, Huang Dazhi, a senior researcher at Suning Financial Research Institute, pointed out that there is no clear implementation standard for the "broken card" operation, which mainly tests a bank's comprehensive anti-money laundering and risk control capabilities.

Different banks will have inconsistencies in their standards when understanding and implementing policies, so the intensity of risk review of users will be inconsistent.

　　Text/Reporter Cheng Jie