Hello! You can apply for lucky money and handle spot transactions: 1. It can be opened through online banking: the popular version or the professional version operates in "investment management-gold (lucky money)-special account management-account opening", and the wealth professional version operates in "investment management-lucky money-special account management-account opening" (the original valid identity certificate, "debit card" or wealth of the customer are required to sign a deferred settlement transaction. 2. Before the customer applies for personal gold business, the completed evaluation is: 1. Before applying for personal gold business or purchasing entrustment, the bank's risk tolerance assessment must be completed, and the risk tolerance assessment level must meet the requirements of the risk level of personal gold business determined by the bank. If the customer's risk tolerance assessment level does not meet the requirements of the personal gold business risk level determined by the Bank, spot customers must sign the Statement of Voluntary Personal Gold Trading with New Year's Money Exceeding Personal Investment Risk Tolerance, and ordinary customers must sign the Statement of Voluntary Personal Precious Metal Deferred Settlement Trading with New Year's Money Exceeding Personal Investment Risk Tolerance. 2. The bank must complete the suitability evaluation of personal spot gold trading business according to the "Suitability Evaluation Form for" Lucky Money "products of personal customers' physical gold trading business". Customers who fail to pass the evaluation are not allowed to apply for personal spot gold trading business.