Alipay online merchant bank has announced that it will close the function of transferring Alipay balance to Class II account. Many people may not know that there are three types of bank cards in our hands at present:
The first type of account is a full-featured account that we open at the bank counter. Deposit and withdrawal, financial management, consumption, etc. can be realized without restrictions. Class II accounts have fewer functions than Class I accounts. Although you can also deposit and withdraw money, spend money and manage money, there is a daily transfer limit of 654.38+00,000 yuan. Class III accounts have a narrow scope of use and can only be used for small consumption and payment, and the account balance is also stuck within 1 1,000 yuan.
65438+2008, the central bank made it clear that the second and third bank accounts could not be directly deposited from the payment account, but only the bank card in its own name. The online merchant bank is an Internet bank under the Ant Group, and most of the accounts are the above II and III accounts. The previous free cash withdrawal function did not meet the management requirements of bank card accounts, but Alipay and online merchant bank were the same before, and this channel was reserved.
One advantage of keeping it is that we can withdraw cash for free.
As we all know, every time the balance of Alipay is withdrawn into the bank card, there is a handling fee of 0. 1%. Withdrawal 10000 yuan required 10 yuan. Some people first transfer the balance to the online merchant bank, and then transfer it from the online merchant bank to the bank card to realize free cash withdrawal. However, in the past two years, the financial supervision of banks has become more and more strict. No matter what the relationship between platforms is, we must follow the rules. This led the online merchant bank to suspend Alipay cash withdrawal. Although everyone is not so comfortable to use it, the supervision has been strengthened, and banks can feel more at ease with such online merchants.