The daily transaction limit of bank cards is 5000 yuan？ A number of banks responded

A few days ago, the topic of "There is a bank with a daily trading limit of 5,000 yuan" was posted on Weibo Hot Search, which triggered a heated discussion among netizens.

China securities journal CSI Taurus investigated a number of banks in Beijing, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank, China Merchants Bank and Shanghai Pudong Development Bank. Relevant bank staff said that the daily trading limit of bank cards is set by customers according to their personal situation and trading channels when they apply for cards.

Off-counter transactions of banks

There is no fixed limit.

A few days ago, "There is a daily trading limit of 5,000 yuan for banks on the Internet" boarded a hot search in Weibo. According to media reports, some banks in Beijing have set a trading limit for Class I accounts, and the trading limit for all channels outside the counter is 5,000 yuan per day.

It is reported that non-counter channels refer to businesses that are not handled at the bank counter, including online banking, mobile banking, online fast payment and third-party payment.

"I just issued a year-end bonus of 20,000 yuan, and I want to transfer the money to a wealth management product on a platform, but it frequently shows’ transaction is limited’, and I can’t transfer it, just 20,000. Very strange! " Xia Xin, an office worker in Beijing, told reporters.

She is not alone in such doubts. In this hot search comment area, netizens have said: "My first-class card of Agricultural Bank of China is like this. I can’t transfer more than 5,000 yuan with the flash payment APP, but I can only transfer money with the ABC APP limit." "My bank card limit is 2,000 yuan, and I have to go back and forth five times to transfer 10,000 yuan."

In this regard, the reporter learned from the staff of many banks in Beijing that there is no fixed limit on the non-counter transactions of various banks, which varies according to the personal bank card usage, asset status and trading channels of customers.

The relevant staff of a bank told the reporter that when handling a first-class account in the bank, it is necessary to use the customer ID number to check how many cards and passbooks there are under the name. If there is no settlement account under the name, you can handle a first-class account, otherwise you can only handle a second-class account (the daily transaction amount of a second-class account cannot exceed 10,000 yuan).

A staff member of a branch of ICBC in Beijing told reporters that the daily trading quota of ICBC’s non-counter channels is 10,000 yuan. If the account is not used for a long time, the system may think it is risky, thus reducing its transaction limit. "This is also to protect the security of customer accounts." He also said that if the customer inquires that he is a untrustworthy person through the ID card when handling the card, the system will automatically display that the card cannot be handled.

"The payment limits of different payment channels may be different. The daily transaction limit set at the time of card processing is only the limit set by the bank’s mobile banking." A staff member of a branch of China Construction Bank in Beijing told reporters.

Xiao Li, a staff member of a branch of Shanghai Pudong Development Bank in Beijing, said that under normal circumstances, the transfer limit of mobile banking depends on the amount issued by customers, up to 1 million yuan per day. "Now there are new regulations, such as opening a new card or a new mobile phone number, and there may also be a limit for online transfer."

You can adjust the amount at the offline outlets.

Some customers have tried other methods to realize large-sum transfer. For example, Xia Xin is transferred in batches, with each transfer of 5,000 yuan to realize the transfer of tens of thousands of yuan.

A number of bank staff told reporters that if they can’t meet the daily trading requirements of customers, it is recommended to bring their ID cards and bank cards to offline outlets for counter withdrawal.

Xiao Li said: "The main thing is to prevent bank card telecom fraud. Customers can go directly to the outlet to withdraw the amount. "

A staff member of a branch of China Merchants Bank in Beijing said that according to the requirements, the bank should set up a personal account management system, and reasonably set the total amount of single funds transferred out of non-counter business according to the identity, occupation, age and transaction characteristics of customers. "Everyone’s situation will be very different."

In addition, some banks can also adjust their own limits through mobile banking. For example, Xiao Liu, a staff member of a branch of Bank of China in Beijing, said that there are two ways. One is to conduct large transactions by selecting the "mobile phone shield" function on mobile banking; Second, you can go to the outlets to open the sim shield.

"Under normal circumstances, the bank can’t give you a high quota. The transfer is risky and may be cheated. If you transfer money frequently, it will also be restricted. " Xiao Liu further added to the reporter.