2. One is overpayment transfer, that is, taking out the extra money in the credit card. This method can only be transferred to the peer savings card in my name, and a certain handling fee is charged, generally 0.5%-3% of the total amount.
3. The other is direct transfer by credit card, which is equivalent to cash advance. You can transfer the funds to the UnionPay card of any bank (not limited to my name) at the ATM of the designated bank in the designated city. The premise of cash advance transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.
Transfer settlement refers to a kind of bank currency settlement method in which money is transferred from the payment account to the collection account through the bank without using cash directly. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far away, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.
2065438+On March 28th, 2009, the requirement of 24-hour receipt was cancelled and real-time receipt was implemented.
There are many ways of transfer settlement, which are mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection and non-acceptance settlement, limit cheque settlement, etc. Off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.
As a bank settlement method, transfer is widely used. Transfer settlement can be made between different places in the same city, between company accounts, between company accounts and personal accounts, and between personal accounts and personal accounts.
The People's Bank of China issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, and comprehensively strengthened the management of account real-name registration system, bank card business and transfer. It is clear that since 20 16 12 1, individuals who transfer money through self-service teller machines can apply to the issuing bank for cancellation of the transfer within 24 hours after it is accepted by the issuing bank.
In order to effectively curb the behavior of buying and selling accounts and opening fake accounts, and comprehensively promote the real-name management of accounts, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clearly stipulates that from 20 16 12 1, if a banking financial institution opens a bank settlement account for an individual, the same person can only open a Class I account in the same bank, and has already opened a Class I account. This move aims to protect the safety of funds.