1. From the perspective of account fund risk, WeChat payment account (including change account) is jointly underwritten by Tenpay and China People's Insurance Company. If the WeChat account is stolen and the funds are stolen by others, the insurance company will pay in full, so the funds in the change account are safe and secure.

2. From the risk of investment loss, this change is related to the Monetary Fund. Money fund is the fund with the lowest risk, and its investment varieties are generally bank deposits, national debt and other assets, so it is highly safe. In history, the principal has never been lost, and the security is similar to that of Yu 'ebao. Don't worry about this.

3. Generally speaking, putting money into WeChat is equivalent to investing in financial management. Investment and financial management are risky, and the essence of change pass is money fund. No commitment to capital preservation, no guarantee of minimum income, but the actual risk is very low. Users can rest assured that such products have not suffered losses.

First, change the pass.

Users can use I-Pay-Wallet-Change to relax, and they can open or use the change card. Users can transfer WeChat change or bank debit card funds to the change link, and funds transferred from bank cards can be transferred back to bank cards or change for free. Funds transferred from change can only be transferred back to change, and there is no handling fee for transfer.

Second, change the transfer rules

Wechat change all funds can be transferred to change and received in real time; The transfer part of the bank card can be transferred to the supported bank card for free. The specific change of transfer limit and arrival time are as follows:

1, the one-day limit of bank card 1 0,000 can be transferred out quickly, and the account can be received within 2 hours at the earliest;

2. The general transfer-out limit of bank cards is 50,000 yuan, and the number of transfers is unlimited, with T+ 1 receipt.

In addition, there is income on the day of ordinary transfer. If it is transferred out the day before the holiday, it will be delayed until the post-holiday account, and there will be income the day before the account is received.

Third, change the service mode.

1. The fund sales organization provides the sales service of the money fund products, and the fund company provides the operation and management service of the money fund. Users transfer funds to the card, that is, buy their own money fund products and enjoy the money fund income. See the subscription page for the product names of the corresponding sales organizations and monetary funds.

2. In the process of fund sales, fund sales institutions provide investors with services such as fund product promotion, account opening, subscription, subscription, redemption and transaction information inquiry. Sales organizations do not directly provide fund products and do not participate in product investment and operation. As the provider of fund products, fund companies manage fund operation activities such as fund product raising, fund asset investment and income distribution according to the relevant requirements of laws and regulations. When users buy related money fund products by changing coupons, they need to carefully read the fund contract, prospectus and other product-related materials, carefully understand the investment risks of the products, fully consider their own risk tolerance, and make investment decisions independently.

Operating environment: vivox27, Andord5. 1, wechat version 8.0. 16.