Online banking is introduced as follows:
1. Online merchant bank is the first commercial bank in China whose core system is based on cloud computing architecture, and was established by Ant Financial as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005. Online merchant banks do not have offline physical stores or physical bank cards. Its main functions include financial management and loans. Someone asked if it can be used as a bank card. In the final analysis, it is still mobile payment. However, the online merchant bank has a virtual bank card. After the registration fails, the system will automatically give the user an electronic card with 16 digits beginning with 6666.
2. The savings card of the online merchant bank is also an electronic card, which can be used for savings, credit card repayment, transfer, purchase of online merchant bank wealth management, large deposit certificates, etc. The company settlement account supports deposit, transfer and agency payment. In corporate online banking, it will be safer and more convenient for users to enjoy financial services in online merchant banks.
1. The online merchant bank has an independent app and can also operate directly on Alipay software. The online merchant bank savings card is similar to the bank savings card, but there is no physical card. If investors bind the online merchant bank with Alipay account, they can directly transfer funds into or out of Yu 'ebao; If a physical bank card is bound, it can be directly transferred or withdrawn to the physical bank card. Online merchant banks can also deposit and withdraw money after logging in, but cash transactions are not supported, and money needs to be transferred to online merchant banks by other means. The online merchant bank is actually Yu 'ebao. In order to save money, you can transfer the funds to the online merchant's bank card through Yu 'ebao or other bank cards.
2. The binding between online merchant bank and bank card is completely different. Binding a bank card is equivalent to opening a function, and opening an online merchant bank is equivalent to handling a bank card. Since Alipay charges a handling fee, you can transfer Alipay's money to the online merchant bank. Then transfer money to your bank card through online merchants, and there will be no handling fee. Generally speaking, there are great differences between online merchant banks and physical banks. It can be said that if there is no loan demand, the online merchant bank, like the balance treasure in Alipay, can deposit, transfer interest and buy wealth management products.