A WeChat can bind several bank cards
Each WeChat payment account can bind up to 1 bank cards (including credit cards) with the same name.
In addition, we should pay attention to three points:
1. Real-name authentication is carried out after the bank card is bound for the first time, and only bank cards with the same name can be bound in the future;
2. Each ID card can authenticate 5 WeChat payment accounts in real name;
3. Each bank card can be bound with 3 WeChat payment accounts.
how many bank cards can wechat bind? How many credit cards can WeChat bind?
Many people are not limited to spending and paying with paper money now. In most cases, they use WeChat and Alipay to make payments. In this process, they need to bind bank cards. How many bank cards can WeChat bind? How many credit cards can WeChat bind?
how many bank cards can wechat bind? How many credit cards can WeChat bind?
First of all, we need to tell you clearly that a micro-signal can bind up to 1 bank cards (including credit cards), no matter how you distinguish them, the total number is fixed, and the model of bank cards can be selected.
Note the following
1. When binding a bank card, you need to verify the cardholder's real name information, that is, the information of {name, ID number}.
2. Only one real-name information can be bound to a micro-signal. After binding, the real-name information cannot be changed, and the real-name binding relationship will not be deleted when the card is released.
3. There is no need to open online banking for bank cards (except Bank of China and Industrial and Commercial Bank of China). As long as there is a reserved mobile phone number in the bank, you can bind WeChat payment.
during the binding process, it should be noted that you should not disclose your payment password. It is best to update your phone password frequently, so as to avoid the risk of WeChat payment. If you consider investing in wealth management, you can pay attention to WeChat Wealth Management, which is a fund type of wealth management. The expected annualized expected income is higher than the bank interest, and the security guarantee is relatively reliable. If you feel that the expected annualized expected income is low, you can try to understand online lending P2P, but the risk is higher than WeChat Wealth Management.
how many bank cards can be bound to a WeChat
Each WeChat payment account can be bound with up to 1 bank cards (including credit cards) with the same name, and each ID card can authenticate 5 WeChat payment accounts in real name, and each bank card can be bound with 3 WeChat payment accounts. In addition, when the micro-signal is bound to the bank card in my name, it will not be able to bind the bank card in other names, so you need to pay attention when binding the bank card.
there are different types of bank cards according to different classification basis. In our country, according to the personal credit limit, bank cards can be divided into debit cards and credit cards, which is also the most common classification method.
Debit card
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.
a special card is a debit card used in a specific area and for special purposes (which refers to purposes other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash.
a stored-value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Debit cards can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the demand deposit. When spending or withdrawing money, the funds are directly drawn from the savings account.
debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.
credit cards
credit cards are divided into credit cards and quasi-credit cards.
a credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay.
quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
There are also the following types of bank cards:
According to different information storage media, they can be divided into magnetic stripe cards, chip cards and composite cards with magnetic stripe and chip * * *;
according to different payment methods, it can be divided into credit card, quasi-credit card and debit card;
according to different settlement currencies, it can be divided into foreign currency cards and local currency cards;
according to the number of account currencies, it can be divided into single-currency cards, dual-currency cards and multi-currency cards;
according to different affiliation, it can be divided into main card and auxiliary card;
according to different card issuers, it can be divided into company cards (company cards, business cards) and personal cards;
according to the credit status and credit status of the cardholder, it can be divided into platinum card, gold card and ordinary card;
Can two people bind the same bank card on WeChat wallet at the same time?
Yes. A bank card can bind three WeChat payment numbers. When binding a bank card, you need to verify the cardholder's information. Unbinding a bank card cannot delete the real name information. When tying the card for the first time, you need to set the payment password (the payment password consists of a group of 6 digits).
1. wechat can only bind bank cards with the same name;
2. wechat can bind up to 1 bank cards (including credit cards) with the same name at the same time.
3. A bank card can bind up to 3 WeChat payment accounts.
extended information
wechat payment
introduction of wechat payment
wechat payment is a payment function integrated in wechat client, and users can complete the fast payment process through mobile phones. Wechat payment provides users with safe, fast and efficient payment services, based on fast payment with bank cards.
payment scenarios are supported: wechat public platform payment, APP (third-party application mall) payment, QR code scanning payment, credit card payment, bar code displayed by users, and payment completed by merchants after scanning.
users only need to associate a bank card with WeChat and complete the identity authentication, then they can turn the smart phone equipped with WeChat app into an all-purpose wallet, and then they can buy the goods and services of the cooperative merchants. When paying, users only need to enter their passwords on their smart phones, and the whole process is simple and smooth.
wechat payment supports credit cards issued by the following banks: Shenzhen Development Bank and Bank of Ningbo. In addition, WeChat Pay also supports debit cards and credit cards of the following banks: China Merchants Bank, China Construction Bank, China Everbright Bank, China CITIC Bank, Agricultural Bank, China Guangfa Bank, Ping An Bank, Industrial Bank and Minsheng Bank.
on September 13th, 214, in order to provide more users with the e-commerce platform for WeChat payment, WeChat service number will no longer charge a deposit of 2, yuan for applying for WeChat payment function, and the threshold for opening a store will be lowered.
wechat payment rules
1. when binding a bank card, you need to verify the cardholder's real name information, that is, the information of {name, ID number}.
2. A micro-signal can only be bound with one real-name information. After binding, the real-name information cannot be changed, and the real-name binding relationship will not be deleted when the card is released.
3. Only 1 (including 1) WeChat payments can be registered for the same ID number;
4. A bank card (including credit card) can bind up to 3 micro signals;
5. A micro signal can bind up to 1 bank cards (including credit cards);
6. Only one payment password can be set in a WeChat account;
7. There is no need to open online banking for bank cards (except Bank of China and Industrial and Commercial Bank of China). As long as there is a reserved mobile phone number in the bank, you can bind WeChat payment.
note: once the binding is successful, this micro-signal cannot be bound to bank cards/credit cards with other names, so please be careful.
on September 13th, 214, in order to provide more users with the e-commerce platform for WeChat payment, WeChat service number will no longer charge a deposit of 2, yuan for applying for WeChat payment function, and the threshold for opening a store will be lowered. The cancellation of the deposit is undoubtedly a great reduction in the threshold for WeChat payment. "In the future, a large number of merchants will start to apply for access to WeChat payment, with an increase of 15, per day. According to industry analysts, this data is expected to exceed 1 million by the end of the year, which will exceed the number of 8 million sellers in Taobao. WeChat lowers the payment threshold, and more Taobao sellers and new entrepreneurs will flock to the WeChat public platform in large numbers, which is bound to usher in more enterprise users' registration.
From October 17th, 215, WeChat Pay began to gradually resume testing the new transfer rules. Each person can enjoy a 2,-fee-free amount for monthly transfer and face-to-face collection, and the bank fee will be charged according to the standard of .1% for the excess. In order to optimize the allocation of service resources, WeChat will be more inclined to tilt resources to a wider range of small transfer and red envelope users. Small transfers and red envelopes are still free of handling fees and are not affected.
As of March 1st, 216, WeChat Pay stopped charging fees for the transfer function. From the same day, the handling fee will be charged for the cash withdrawal function. The specific charging scheme is that each user (in the dimension of ID card) will enjoy the free cash withdrawal amount in 1 yuan for life, and the handling fee will be charged according to the bank rate for the excess. At present, the rate is .1%, and at least .1 yuan will be charged for each transaction. Functions such as WeChat red envelope, face-to-face payment and AA collection are not affected, and no handling fee is charged.
wechat cash withdrawal
on February 15, 216, Tencent customer service announced that since March 1 this year, wechat payment stopped charging fees for the transfer function. From the same day, the handling fee will be charged for the cash withdrawal function. Wechat told Sina Technology that charging for cash withdrawal transactions is not a move for WeChat to pursue revenue, but is used to pay bank fees.
The specific charging scheme is that each user (in the dimension of ID card) will enjoy the free cash withdrawal amount in 1 yuan for life, and the excess amount will be charged according to the bank rate. At present, the rate is .1%, and at least .1 yuan will be charged for each transaction. Functions such as WeChat red envelope, face-to-face payment and AA collection are not affected, and no handling fee is charged.
(Baidu Encyclopedia-WeChat)
China Construction Bank: Can my micro signal be bound to multiple credit cards (debit cards) at the same time?
official website from China Construction Bank replied:
Yes. You enter your identity information according to the credit card (credit card) binding process. After successfully binding with the micro-signal, all credit cards (credit cards) under your name will be bound with the micro-signal, without binding them one by one. You can run quick query and other operations on all credit cards (debit cards) under your name through WeChat, and you can receive the consumption notification of all credit cards (debit cards) under your name through WeChat.
Let's stop here for the introduction that WeChat can bind several credit cards.