The daily limit for transactions through all non-counter channels is 5,000 yuan. According to regulatory requirements, in order to prevent telecommunications network fraud, restrictions on non-counter transactions for some bank accounts will be strengthened, but not all accounts will be "one size fits all". Phenomenon: Many banks have strengthened restrictions on non-counter transactions. Many bankers told Beiqing Daily reporters that in the past two years, in order to prevent telecommunications fraud and respond to regulatory requirements, they have indeed strengthened transaction control over non-counter channels. The so-called non-counter channels refer to businesses that are not handled at the bank counter, including but not limited to businesses handled through online banking, mobile banking, gateway payment, quick payment, sales terminals (POS), self-service teller machines (ATM), etc. China Merchants Bank customer service stated that China Merchants Bank has successively imposed limits on off-the-counter transactions of some customers since last year, mainly in response to the requirements of regulatory authorities. The limits are to ensure the safety of funds in customer accounts, and there are adjustments for different regions and different customers. the difference. CCB customer service also said that currently banks across the country are required to conduct classified management of customer accounts and limit the non-counter transaction limits of some customers. For example, the non-counter transaction limit for sleep cards that are newly opened or have not been used for a long time will be reduced. On February 16 this year, Postal Savings Bank of China Shanghai Bank issued an announcement that it would adjust the non-counter channel payment limits of some personal bank settlement accounts in accordance with the principle of "matching bank account functions and account risk levels". Customers can check the current non-counter payment limit of their accounts through counter and electronic banking channels. If they need to adjust the limit, they can apply at any branch of the bank with their bank card/discount voucher and valid ID. The bank will adjust relevant business functions and limits based on the verification results. A reporter from Beiqing Daily noticed that Shanghai Pudong Development Bank Hangzhou Branch, Chengdu Branch, Changsha Branch, and Fuzhou Branch also issued relevant announcements in 2022. These branches stated that they will appropriately adjust the non-counter business limits of personal bank settlement accounts based on the basic information reserved by customers at the bank and their account usage. Among them, Pudong Development Bank Chengdu Branch stated that accounts that have not been used for a long time may have their limits reduced, and the limit will be reduced to 1,000 yuan per day. Previously, if customers independently opened non-counter transactions in mobile banking, the single-day limit would be is 50,000 yuan. The response account function matches the risk level: "They are all my own accounts. Why can one bank transfer up to 50,000 yuan a day, and another can transfer 200,000 yuan?" "I have two bank cards from different banks, and I have not used them in the past few years. How to use it? Today I found one with a limit of 1,000 and another with a limit of 3,000. "In response to the difference in account limits, a banker told the Beiqing Daily reporter that in general, the account limits match the account risk level, and the risk is relatively high. A higher account will have smaller transaction limits and may even be completely frozen. Usually, for those areas where fraud cases are high, the control measures of various banks will be correspondingly stricter. When assessing the risk of each account, banks consider many factors, and each bank is different. They generally include the customer's occupation, age, location, transaction habits, asset status, registration method, payment channel, security medium, etc. . For example, for mobile banking self-registered at ICBC, the maximum daily transfer limit is only 10,000 yuan; however, for mobile banking registered at the counter, if security verification methods such as text messages, payment passwords, and fingerprints/face scans are used, the daily cumulative transfer limit can be up to 200,000 yuan, the single payment limit is 20,000 yuan; if U-shield is used, the daily cumulative transfer limit may reach one million, and the single payment limit can also be increased to 50,000 yuan. "I have encountered it more and more, and I have found that although big data has a wrong kill rate, it is not high." Ma Lin, a teller at a bank in Chengdu, said that many customers do not understand the limit. In fact, 99% of the cases are not that the money is frozen. Rather it is restricted to over the counter use only. Why are these customers restricted from online transactions? Brushing orders, fast in and out, frequent bank transfers, obvious transitional transfers to multiple people, and credit card cash out. In short, the system will impose restrictions when it detects abnormalities. Of course, there are also cases of "accidental injury", but as long as the information is complete, it can generally be resolved. Many consumers also express support for banks’ account risk control. Yiyi, a netizen who once encountered telecom fraud, said: "I wish the bank had given me a limit, the lower the better, so that I wouldn't have been defrauded of hundreds of thousands. This 'tuition' is too expensive." It's easy to "hit the mark" by reminding the four situations "Recruitment" Specifically, what kind of bank accounts will have their limits reduced? Beiqing Daily reporters sorted out four situations based on announcements from various banks, information introduced by bank insiders, and experiences reported by customers. The first is that the customer information reserved by the bank is incomplete.

For example, customer certificates are expired, customer information is incomplete, etc. The systems of many banks regularly screen out such customers and restrict non-counter business in batches. Therefore, if you change your ID card, you must update your bank reservation information in a timely manner. In addition, if the customer's mobile phone number changes, it may also affect the use of mobile banking of some banks. The second type is that the bank account is left idle for a long time. For example, some banks will stipulate that if there is no transaction for six months after opening the card, non-counter transactions will be restricted; the bank card will also be restricted if it is not used for a long time, but there is money in the account and the balance is small. If customers want to continue to use or activate, they can consult their bank. The third type is that abnormal transactions trigger early warnings from bank risk control systems such as anti-money laundering and anti-fraud. For example, transfers or consumption often occur in the middle of the night; bank cards that have not been used for a long time suddenly become active, large-value transactions or frequent transactions occur; funds are withdrawn and transferred quickly, especially through multiple accounts in a very short period of time; centralized transfers in and decentralized transfers Out; after several tentative small-amount transactions, frequent or large-amount transactions suddenly appear, etc. These abnormal behaviors are often related to illegal activities. Once identified by the system, an early warning will be given. The bank will lower the account limit based on the actual situation. In serious cases, the account will be frozen directly. The fourth situation is that there is no problem with my bank account, but the counterparty’s account is involved in illegal activities such as fraud and money laundering. If you have transactions such as transfers with such accounts, you will also be implicated and restricted. Photo courtesy/Visual China recommends the "card disconnection" operation to reduce "accidental injuries". During the interview, staff from many banks mentioned the "card disconnection" operation. It is understood that in order to prevent the frequent occurrence of telecommunications network fraud cases and effectively safeguard social security and stability as well as the legitimate rights and interests of the people, on October 10, 2020, the State Council held an inter-ministerial joint meeting to combat new illegal crimes in telecommunications networks and decided to The "Card Disconnection" operation was carried out within the period with the main content of cracking down, controlling and punishing illegal criminal gangs that operate and sell phone cards and bank cards, and cleaned up and rectified fraudulent phone cards, Internet of Things cards and related Internet accounts in accordance with the law. In the "Card Disconnection" campaign, banks and payment institutions need to clean up abnormal bank cards such as long-term non-accounts, "one person with multiple cards", frequent loss reports and replacement cards. Dong Ximiao, chief researcher of China Merchants Union Financial, pointed out that under the current policy, the vast majority of bank users will not be affected by the limit adjustment, and users do not need to be overly anxious or over-interpret. Cardholders should strengthen the risk management of their accounts and cancel bank cards that have not been used for a long time in a timely manner. More importantly, they should not lend, rent or sell bank accounts to prevent others from using bank cards to engage in illegal activities. Banks identify account risks through designed screening models. If the conditions set are too narrow, fish may slip through the net. Therefore, banks often adopt relatively broad investigation measures, and a small number of cardholders will inevitably be "accidentally injured." Dong Ximiao expressed the hope that banks can use more financial technology means to conduct more precise investigations and try to reduce the proportion of "accidental injuries". Su Xiaorui, a senior expert in the financial industry, suggested that banks should appropriately streamline and optimize business processing processes. In the future, online channel transaction limits are expected to continue in the short term, but in the medium and long term, banks cannot be ruled out by improving risk control and financial technology levels to achieve a dynamic balance between business risk prevention and user convenience.