Including credit cards, credit cards belong to Category II, and bank cards are classified as follows:

1. Category I account is a full-function account, and our commonly used debit card belongs to Category I account , this account has functions such as cash deposits and withdrawals, transfers, financial management, bill payment, payment, etc., and Class I accounts are not subject to quota restrictions when used. Only one account can be opened for one type of account, which needs to be opened through a bank counter and is an account that requires real-name registration.

2. Class II card is equivalent to a wallet, its main functions are savings deposits, investment and financial management, daily consumption, payment, etc. The Type II card does not have a physical card, but is a virtual account. The funds of the Type II card come from the Type I card. The biggest difference between the Type II card and the Type I card is that the Type II account does not support cash deposits and withdrawals, nor does it support binding to non-bank accounts. Fixed account transfer.

There is also a transfer limit for Class II bank card accounts. A maximum of 10,000 yuan can be transferred per day. If the user wants to transfer 20,000 yuan a day, that is not possible. It will take two days to complete the transfer of 20,000 yuan. The maximum transfer amount per year is 200,000.

3. Compared with the first and second types of cards, the third type of card has more restrictions. The third type of card is like a coin wallet, mainly used for quick payment. The balance in the third type of card account cannot be used. If the amount exceeds 1,000 yuan, the daily consumption amount cannot exceed 5,000 yuan, and the annual consumption amount cannot exceed 100,000 yuan.

Extended information:

The three types of accounts have different functions and limits, as well as different account opening methods. Different types of personal bank accounts have different functions and permissions.

1. Type I account is a full-featured bank settlement account. It is the most versatile among the three types of accounts and has high security requirements. You can handle deposits and withdrawals, purchase investment and financial products, transfer, consumption and payment, etc. Currently, most of the accounts with physical media, such as debit cards, opened for customers at their business outlets are Class I accounts.

2. Category II accounts can handle deposits, purchase investment and financial products and other financial products, limit consumption and payment, and transfer funds to unbound accounts within limits. Category II accounts can also handle cash deposits and withdrawals, unbound account fund transfers, and can be issued physical bank cards after identity verification at the bank counter, self-service equipment, and bank staff on-site.

Among them, the total daily cumulative limit for transferring funds and depositing cash into unbound accounts of Type II households is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; consumption and payment, to unbound accounts The total daily cumulative limit for transferring funds and withdrawing cash is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan. There are no limits on the purchase of financial products or transfers into or out of your peers’ personal accounts.

3. Category III accounts can handle limited consumption and payment, and limited transfer of funds to unbound accounts. Category III accounts can also handle unbound account fund transfers through bank counters, self-service equipment and on-site identity verification by bank staff.

Among them, the account balance of Category III accounts shall not exceed 1,000 yuan; the daily cumulative limit of fund transfer to unbound accounts is 5,000 yuan, and the annual cumulative limit is 100,000 yuan; consumption and payment payments, to unbound accounts The total daily cumulative limit for transferring funds out of the account is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.

People's Daily Online - Personal bank accounts will be subject to three categories of management

People's Daily - New regulations on bank account management will implement three categories of account classification management next month