Wechat change pass is connected with the money fund of the fund company. My change is connected to the E Fund, and the product income is similar to that of Yu 'ebao.
It is also very convenient to use. Offline consumption and online payment are similar to Yu 'ebao. When WeChat first launched the change pass, most people thought it would be a favorable competitor of Yu 'ebao. But I still found some inconveniences when I used it.
First of all, WeChat online consumption itself is not as rich as Alibaba, so when spending online, the probability of using WeChat change is not as good as using Alipay.
Secondly, WeChat change pass is not connected with WeChat wealth management pass, so you can't use the money in change pass to buy products in wealth management pass.
Third, WeChat change pass is only suitable for putting scattered funds obtained from others, such as grabbing red envelopes, to obtain income. This may be related to WeChat's positioning of this product.
In other words, the money in WeChat wallet is idle and can be put in small change to earn a little profit. If you want to transfer the money from the bank card to the change card, I personally think it is not cost-effective, because the withdrawal fee of WeChat is relatively high.
Generally speaking, WeChat change pass is reliable (security is not absolute) and convenient (especially when paying offline). From the perspective of financial management, there are some shortcomings, but this may be the reason for the positioning of the product itself.
Coin Pass is the latest function of WeChat, which is similar to Yu 'ebao: users can directly use the money in the coin pass 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.
Bitcom is a basic service account of WeChat payment alongside "Coin". Users can access it directly through WeChat-Wallet-Coin-Shit Coin to manage money with small change. Users can transfer money from WeChat change or bank debit card to change money, and all funds of change money can also be transferred to WeChat change or bank card, and there is no handling fee for transfer.
A few days ago, "Change Pass" began a small-scale test among tens of thousands of WeChat users, mainly targeting some employees of Tencent Shenzhen and WeChat users who had previously opened the change financing function. The official opening time is still uncertain.
It is believed that Tencent's move is intended to counter the "Bao Yue" products of Ali Ant Financial.
Wechat "Bitong" and "Yuebao" are different in product scale, function and positioning.
Wechat "change pass" has a small scale of funds and belongs to the "small amount and high frequency" financial management scenario. The way to transfer money can be not only through WeChat change transfer, but also through other channels such as bank cards. The part transferred from WeChat change can only be transferred back to WeChat change, and the part transferred from bank card can be directly withdrawn to bank card. Among them, the source of WeChat change mainly comes from sending and receiving red envelopes and transferring money between friends, while the consumption scenes are mainly taxis and meals, all of which are small scenes.
The single-day limit of WeChat "Change Pass" is 65,438+10,000 yuan, and the maximum limit of WeChat change payment is 200,000 yuan/year.
Wechat has previously launched the function of "small change financing", but this part of financing funds is separated from the small change account, so it is impossible to spend money at any time while managing money. Tencent said that the introduction of "change" is to better enhance the user experience of WeChat.
partner
The cooperative fund companies of WeChat "Change Pass" will be E Fund, southern fund and harvest fund, and there is no cooperation with Huaxia Fund. The funds transferred by users to the "change pass" will be market funds managed and sold by the above three fund companies.