According to Article 6 of the real-name registration system Regulations on Personal Deposit Accounts issued by the State Council, when an individual opens a personal deposit account in a financial institution, he/she should show his/her identity document and use his/her real name.

When an agent opens a personal deposit account in a financial institution on behalf of others, he shall present the identity documents of the principal and the agent.

Article 7 When a financial institution opens a personal deposit account, the financial institution shall require it to show its identity document, check and register its name and number on the identity document. When an agent opens a personal deposit account in a financial institution, the financial institution shall require him to show the identity documents of the principal and the agent for checking, and register his name and number on the identity documents of the principal and the agent.

Financial institutions are not allowed to open personal deposit accounts for people who do not show their identity documents or use their names falsely.

The process of applying for a credit card and a debit card is different:

1. When handling a credit card, you need to bring your valid certificate (ID card or copy of ID card), proof of residence, proof of unit income or proof of personal assets, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true. After filling out the application form, you should go to the head office of the bank for the record, and the head office of the bank can issue the card only after reviewing the application materials.

2. It is relatively simple to apply for a debit card. You only need to bring your valid documents, mainly your ID card, and fill out the application form at the bank where you open the account, then you can issue the card to the applicant.

Extended data:

The same bank cannot open more than 4 cards:

According to the Notice of the People's Bank of China on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, in principle, no more than four debit cards (excluding social security cards) will be opened by the same customer in the same institution from 20 16 1.

At the same time, the Notice also stipulates that in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent comes to the counter with his valid ID card to activate the card.

The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.

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