More conveniently, the money in Yu 'ebao can not only generate money, but also be transferred in and out at any time. It is no problem to have a garden, which is much better than being idle in the balance (so it is called Yu 'ebao).
In fact, there is also a wealth management product in Alipay, which is in addition to Alibaba's online merchant bank, mainly targeting small and micro enterprises and small businesses. Compared with Yu 'ebao, there are fewer restrictions and the yield is slightly higher. At present, it is about 2.45%, and the balance treasure is only 2.3%.
But I have one of the biggest inconveniences, that is, if you want to use the money inside, you must transfer it out, and you can't use it directly.
Now, Yu has made a big upgrade and finally solved this big pain point. In the Alipay client, enter the Yu 'ebao section, select and activate the "Pay and Repay" function of Yu 'ebao, conduct necessary authentication and set the password.
In the future, when you spend daily, Yu Bao Li can also be your wallet like Yu 'ebao, which can be directly used for consumption and payment. What's more, if the balance of the loan from the flower shop, the loan from the online merchant is insufficient by the repayment date, I will automatically pay back the money for you, and the "dead money" will directly become "living money"!
However, note that Yu will not be displayed in the payment list, but "online merchant bank", because it was sold through online merchant bank.
When choosing an online merchant bank for payment or repayment, the balance of the online merchant bank account will be deducted first, and then the remaining fund will be deducted. When there is no balance in the online merchant's bank account, the fund will be directly deducted.
In addition, if you want to give priority to using the online merchant bank balance for payment or repayment, you need to adjust the "online merchant bank savings card" to the first place in Alipay's payment and deduction order.