Personal accounts and corporate accounts of banks are both one kind of bank accounts, but corporate accounts can only be opened by companies or enterprises and institutions. The differences between them are as follows:

1. Personal account refers to a special account for individuals to handle various payment and settlement businesses such as transfer and remittance, credit card consumption, investment and loans. The company account is the company account of the company and cannot be used for credit card consumption.

2. Personal bank settlement accounts are bank settlement accounts opened by depositors in the name of natural persons for investment, consumption and settlement. And can handle payment and settlement business. Enterprise accounts need a lot of materials, such as business license, legal person certificate and other related documents to open.

3. Personal accounts are personal settlement accounts, and corporate accounts are divided into basic account, general accounts, temporary accounts and special accounts.

4. According to the account management regulations of the People's Bank of China, an enterprise can only open one basic account in the legal person account, but it can open multiple general accounts, and need to open another account if it needs to withdraw. However, there is no limit to the number of personal accounts opened in each bank, and multiple settlement accounts can be opened locally or in different places according to actual needs.

5. You need a license to open a company account, but not a personal account.

Baidu Encyclopedia-Personal Bank Settlement Account

Baidu Encyclopedia-Enterprise Account