At present, there are four ways of bank card transfer:
The first type of ATM transfer, the cardholder can carry the card to the corresponding ATM for operation transfer, which will generally arrive within 24 hours.
The second way is online banking transfer, which requires our bank card to open online banking. After logging into the online bank account, find the transfer remittance. Enter the account number of the other party, and then enter the password and dynamic password to complete the payment.
The third method is reverse transfer. We can bring our ID cards and bank cards to the business outlets and go to the relevant windows to handle them.
The fourth method is mobile banking transfer, which requires us to have a bank APP on our mobile phone, open mobile banking, and complete the transfer after logging in to the account.
Generally speaking, you can choose online transfer, mobile phone transfer or bank transfer. Mobile phone transfer needs to be opened. After receiving the card, the bank staff will open mobile banking for you, and some banks will give you a password to use in daily consumption.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Apply for a bank card
The process of applying for a credit card and a debit card is different.
When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to apply to the card issuer, and you need to fill out an application form, in which the required information is true.
After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.
Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant.
There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately.
According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.
Bank card loss reporting
The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.