I think the impact on ordinary people will be minimal. On April 12, many banks, including Agricultural Bank of China, Shanghai Pudong Development Bank, China Everbright Bank, and Longhai Rural Commercial Bank, issued announcements on the limits of some customers’ personal online banking, mobile banking transfers, online payment transactions, and non-counter business. There will be adjustments, and the single-day limit will be adjusted to 10,000 yuan or even several thousand yuan. Subsequently, "# Many banks lowered the online transaction limits for personal accounts" became a hot search topic on a certain blog. Netizens joked, "It seems it's time to consider withdrawing some cash and putting it at home."
Simply give Let me tell you the specific adjustment details. Each bank is still different.
On March 24, the Everbright Bank Credit Card Center issued an announcement that starting from May 12, 2022, online payments will be implemented. The transaction limit has been adjusted. Mainly for online payment transactions, the default single limit and single-day limit have been adjusted to 10,000 yuan.
On April 2, the Agricultural Bank of China issued an announcement that it will be implemented for some individuals in the near future. The adjustment of online banking and mobile banking transfer limits is mainly to ensure the security of accounts and funds and to prevent telecommunications fraud. However, the adjustment regions, user types and adjustment details were not mentioned.
On April 9, Long. Hainong Commercial Bank issued an announcement that it will set different levels of non-counter business limits after risk grading and classification of accounts (counter transactions and collection services are not restricted), mainly by referring to the personal information (age, etc.) reserved by customers. , the transaction amount, number of transactions, and account balance in the past six months. The start date is April 20, 2022. On April 12, Shanghai Pudong Development Bank Hangzhou Branch issued an adjustment announcement. , Shanghai Pudong Development Bank’s Chengdu Branch, Changsha Branch, and Fuzhou Branch have all issued similar announcements and will appropriately adjust non-counter business limits based on account usage.
Why is it said that it will have little impact on ordinary people? /p>
The first is the reason for the adjustment, which is mainly to implement national policies and implement requirements such as hierarchical and classified management of personal accounts, prevention of telecom fraud, anti-money laundering, and prevention of telecom network fraud. This is a good thing. In order to protect our Property security, if you think this is not good, I have nothing to say.
Secondly, the limit is mainly the limit for non-counter transactions, and users’ normal withdrawals, counter transfers, etc. will not be affected, which shows that. Offline channels will not be affected.
Also, the online transaction limit of personal accounts that everyone is most concerned about. If customers want to increase the online transfer limit, they can bring their ID card and bank card to any account. An account bank branch may be used for processing. Some regions may require additional materials due to regulatory requirements. I also searched for related topics and found that many of the complaints were from online shopping users. I understand that this is indeed a bit troublesome. Go to mobile banking, online banking and third-party payment platforms.
Overall, although this adjustment will bring inconvenience to large-amount transfers, our accounts are safer. You cannot deny this. , once you encounter a fraud, the loss will be much smaller. The emergence of a new thing will definitely have problems of one kind or another, but I believe that with the accumulation of experience, banks will definitely be able to balance transaction convenience and risk prevention.