The introduction of online banking is as follows:
1. Online merchant bank is the first commercial bank in China whose core system is based on cloud computing architecture, initiated by Ant Financial. As one of the first five private banks in China approved by CBRC, it officially opened on June 25th, 215. There is no offline physical store or physical bank card in online merchant bank. Its main functions include financial management and loan. Some people ask whether it can be used as a bank card, but in the final analysis, it is mobile payment. However, after the online merchant bank has a virtual bank card and fails to register successfully, the system will automatically give the user a 16-digit electronic card starting with 6666.
2. The savings card of online merchant bank is also an electronic card, which can be used for saving, returning credit cards, transferring money, buying online merchant bank wealth management, large deposit certificates, etc. The company settlement account supports deposit, transfer, agency payment, etc. in corporate online banking, so it will be safer and more convenient for users to enjoy financial services in online merchant banks.
1. The online merchant bank has an independent APP and can also operate directly on Alipay software. The online merchant bank savings card is similar to the bank's savings card, except that there is no physical card. If the investor binds the online merchant bank with Alipay account, he can directly transfer the funds into or out of Yu 'ebao; If the physical bank card is bound, it can be directly transferred or withdrawn to the physical bank card. The online merchant bank can also deposit and withdraw money after opening the login, but it does not support cash transactions, but needs to transfer money into the online merchant bank through other means. The online merchant bank is actually the balance treasure. To save money, you can transfer the funds to the online merchant bank card through the balance treasure or through other bank cards.
2. Online merchant bank and bank card binding are totally different. Binding bank card is equivalent to opening a function, while opening online merchant bank is equivalent to handling a bank card. Since Alipay collects the handling fee, you can transfer Alipay's money to the online merchant bank. Then transfer to your bank card through online merchants will not charge a handling fee. Generally speaking, there is a big difference between online merchant banks and physical banks. It can be said that if there is no demand for loans, online merchant banks, like the balance treasure in Alipay, can deposit and transfer interest, and can also buy wealth management products.