(1) Class I accounts can be used for large deposit and withdrawal, transfer, consumer payment, purchase of investment and wealth management products, etc. And the use range and dosage are not limited.
(2) The daily accumulative limit for transferring cash to the unbound account of Class II households is 6,543,800 yuan, and the annual accumulative limit is 200,000 yuan; The daily cumulative limit of consumption payment, transfer to unbound account, cash withdrawal, bank certificate and bank transfer is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan;
The fund transfer, intra-bank withholding, intra-bank loan fund issuance/return, investment and wealth management (self-operated and consignment) and intra-card transfer between Class II households and bound accounts are not subject to quota control.
(3) The balance of Class III account does not exceed RMB 65,438+0,000; The daily cumulative limit of consumption payment and transfer to unbound account totals 2,000 yuan, and the annual cumulative limit totals 50,000 yuan.
Extended data:
The relevant measures for the classified management of personal bank accounts of the central bank have been officially implemented since 20 16 12 1. According to the relevant measures, the bank settlement accounts used by individuals will form an account system with Class I households as the mainstay and Class II and III households as the supplement. Due to 65438+February 1, the same person can only open one Class I account in the same bank. But the existing bank account can be used normally without any operation.
According to the spirit of documents 26 1 and 302 recently issued by the central bank, three types of accounts are like people's wallets, which contain three different amounts of money. Class I households are "cash boxes", which are the main sources of funds such as personal wages and incomes, and have high security requirements. They are mainly used for cash deposit and withdrawal, large-scale transfer, large-scale consumption, purchase of investment and wealth management products, and payment of public utility fees.
Class II households are "wallets", through which they can handle personal daily credit card consumption, online shopping and online payment, and can also purchase investment and wealth management products from the bank where they open the account. Class III households are "coin purses", which are mainly used for small-sum and high-frequency transactions, and are especially suitable for the mobile payment business carried out by banks with innovative technologies.
Generally speaking, Class I households are characterized by high security requirements and large amount of funds, which are suitable for large-scale payment; Class II and III households are characterized by outstanding convenience and relatively small amount of funds, which are suitable for small payment, and Class III households are especially suitable for emerging payment methods such as mobile payment. At present, Class I households can issue bank cards. In addition, Class II households can also issue bank cards, while Class III households cannot issue bank cards.
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