If it is a China Merchants Bank all-in-one card, no, Chinese citizens over 16 years old (including 16 years old) who live in the country and have not applied for a Type I account (excluding credit cards) with China Merchants Bank can use the Chinese People’s Bank of China* **Go to any branch of China Merchants Bank to open an all-in-one card account with your Chinese resident ID card or temporary resident ID card. (Currently, Changsha Branch does not support the use of temporary ID cards to open accounts)