On February 24, the topic of "a bank with a daily transaction limit of 5,000 yuan" aroused heated discussions. It was reported that some banks in Beijing had set a transaction limit of 5,000 yuan for Type I accounts.

　　In this regard, the Beijing News Shell Finance reporter verified with a number of bank outlets that the setting of the limit for Type I accounts was not a recent adjustment.

The staff of a sub-branch of a major bank in Beijing told the Shell Finance reporter that if you encounter such a situation (transaction limit), you can apply for an adjustment of the limit if necessary, and you can go to the counter with your ID card, plus a driver's license or medical insurance card and other auxiliary documents. Handle withdrawal.

　　Another branch staff of a joint-stock bank told the Shell Finance reporter that the daily transaction limit of Type I accounts was set at 5,000 yuan, which may be due to the use of a mobile phone number that is not real-named.

　　Wang Pengbo, a senior analyst in the financial industry of Broadcom Analysis, told the Shell Finance reporter that bank card transaction limits have always existed, and each bank has different limits set according to the specific circumstances of different customers. The main purpose is to ensure the safety of customers' funds and further implement The requirements of the People's Bank of China for hierarchical and classified management of personal accounts, prevention of large-amount telecommunications fraud, and anti-money laundering.

A daily transaction limit of 5,000 yuan?

　　A number of banks: Last year, they began to set transaction limits and can apply for adjustments

　　Recently, news came out from banking institutions in the Beijing area that they have set a transaction limit for Type I accounts, and the transaction limit for all non-counter channels is capped at 5,000 yuan per day.

　　The so-called non-counter channels refer to the business that is not handled at the bank counter, including online banking, mobile banking, online fast payment, point-of-sale terminal POS machines, ATM machines, and third-party payments including Alipay, WeChat, etc.

　　Is it true?

On February 24, a reporter from the Beijing News Shell Finance consulted a number of banks in Beijing and found that the specific implementation of the transaction limits for Class I accounts varies from bank to bank.

Some banks said that since last year, the bank will set a certain limit for new cards.

Some banks also stated that the bank set a lower transaction limit last year for accounts opened with non-real-name mobile phone numbers.

　　A staff member of a branch of a large Beijing bank told the Shell Finance reporter that the bank has not lowered the transaction limit recently. At present, the limit for transfers through ATMs for Class I accounts is 50,000 yuan, and the limit for cash withdrawals is 20,000 yuan.

　　"Since the second half of last year, the transaction limit of mobile banking has gradually been lowered to between 5,000 yuan and 50,000 yuan. For example, for mobile banking accounts that have not been used for a long time, the bank will lower the transaction limit to 5,000 yuan." The work The personnel told the Shell Finance reporter that the purpose of this adjustment is mainly to prevent telecom fraud and reduce the loss of victims.

　　The above-mentioned staff also pointed out that if you encounter such a situation (transaction limit), you can apply for an adjustment of the amount if necessary, and you can go to the counter with your ID card, plus auxiliary documents such as a driver's license or medical insurance card to handle the amount increase.

　　Another account manager of a branch of a large state-owned bank told the Shell Finance reporter that the bank's non-counter transaction limit is related to the limit set when opening the card, and it varies according to the specific situation of the customer.

In the past two years, the daily transaction limit of Type I accounts is usually 10,000 yuan.

The account manager also said that this transaction limit is only for mobile bank transfers, and the need to swipe a card for large consumption expenditures will not be affected.

　　A staff member of a branch of a joint-stock bank told the Shell Finance reporter that the daily transaction limit of the Type I account was set to 5,000 yuan, which may be due to the use of a non-real-name mobile phone number in the account.

"However, no customer has reported that the non-counter transaction limit has been lowered recently." The staff member said that if the amount needs to be raised, you can try to adjust it online through the mobile banking APP.

If the adjustment fails, you can bring the relevant documents to the counter for adjustment.

　　The central bank has issued relevant regulations. When an individual opens an account in a bank, each person can only open one type I account in the same bank. Class accounts have different functions.

　　However, most users are not very clear about this classification. Some citizens said that they only know that the daily transfer limit of their Agricultural Bank of China card is 10,000 yuan, but there is no impact on direct transfer through third-party payment such as Alipay (limited amount).

　　According to Su Xiaorui, a senior consultant in the financial industry at Analysys, the non-counter transaction limit prevents large-amount fraud to a certain extent, and builds a line of defense for the safety of bank customers' funds; Inconvenience in daily consumption, transactions, etc.

　　Su Xiaorui pointed out that in the future, this online channel transaction management method is expected to continue in the short term. In the medium and long term, it is not ruled out that banks can achieve a dynamic balance between business risk prevention and user convenience by improving risk control and financial technology. Customers with long-term, high-frequency large-sum consumption or transfer needs will be greatly affected. Customers need to pay attention to the latest bank rules. If necessary, they can supplement information in accordance with the bank's rules, and they can also disperse funds in different banks to deal with temporary funding arrangements. Of course, the most important thing is to protect your own private information, and be cautious about external collection of information with unknown subjects.

Bank card account management is becoming stricter?

　　Some users claimed that the daily transaction limit was increased to 50,000 after repeated verification by the account manager after opening the card

　　In addition to risk control on transaction limits, banks have also strengthened supervision on card issuance.

In the process of opening a card for the first time, some banks will conduct "five questions and two checks" and risk warnings for customers, including asking about the willingness to open an account, the reason for opening an account, and verifying the customer's occupation, address, contact information, etc.

　　Ms. Gu, who recently opened a card in a large state-owned bank, told reporters that when applying for a bank card, because she had previously opened a Type I account at a bank in another region, the bank first canceled the card.

Later, she provided the bank with detailed information such as identity, occupation, age, and home address, and after repeated checks by the account manager, she increased the daily transaction limit of the account to 50,000 yuan.

　　Specifically, the above-mentioned "five questions" include asking about the willingness to open an account, whether the account is used by oneself, and observing whether there is any performance of opening an account under manipulation by others; asking about the reason for opening an account, whether the purpose of the account is consistent with the identity and financial attributes of the person; asking about the customer's professional information, And verify it; ask the customer's residential address, if the permanent residence is far away from the branch, further inquire about the reason for opening an account; ask the customer's contact information, and conduct verification.

　　The "two checks" include inquiring about the account status under the customer's name, focusing on whether the account is frequently spent, etc.; inquiring about the customer's historical transaction details, etc.

　　Some banking industry analysts told the Shell Finance reporter that similar regulations are also aimed at strengthening the crackdown on illegal and criminal activities such as money laundering and telecommunications fraud, and protecting the property safety of the masses.

The new card opening is too generalized, and there is no limit on the amount, which makes it difficult to supervise related illegal activities.

At present, banks restrict the transaction amount of newly opened cards and strengthen information review, mainly to build a protective barrier in the bank card transaction link. In the future, the supervision of bank card accounts will become stricter.

　　The Beijing News Shell Finance reporter Wang Yuchen editor Chen Li proofreads Fu Chunmin