The change transferred to the bank card is equivalent to cash withdrawal, so there is a handling fee of one thousandth.
Change Pass is a monetary fund product launched by Tencent's subsidiaries in cooperation with a number of financial institutions, which can be used for payment. Users can directly use the money in the change account for consumption, such as transferring money, issuing red envelopes, scanning code payment, and returning credit cards.
At the same time, when the funds in the change account are not used, the income can be automatically obtained. Bank cards are transferred in and out free of charge, which is convenient for temporary transfer of funds to earn income; You can also set up automatic transfer of salary cards, automatic transfer of monthly pocket money and automatic generation of bills.
Users can use WeChat-I-Pay-Wallet-Change to open or use the change pass to relax. 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.
Fund sales organizations provide sales services of money fund products, and fund companies provide operation and management services of money funds. 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.
In the process of fund sales, fund sales agencies 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. There is no handling fee for deposit and withdrawal: users can transfer money from WeChat change card and bank savings card to change pass at any time. You can also transfer money at any time. There is no handling fee for transferring money through small change. Funds transferred to the change card through the bank card can be transferred to the bank card for free. Can pay: users use change to send red envelopes, transfer money and spend. Daily income calculation: calculate the balance of user's change account every day, and transfer it out before 15:00 on the trading day, and calculate the income on the second trading day, and postpone it in case of weekends and holidays. Income of the day = (change of funds in the account/10000)* Income per 10,000 copies of the product announced by the fund company on the same day.
Funds are guaranteed: WeChat payment has bank-level security technology, double verification of payment password and SMS, and joint credit provides millions of guarantees.
Low investment risk: change pass itself is a money fund, which belongs to a relatively safe category among various investment types.