Small change pass has a certain low risk, and it is not foolproof. The user actually bought a money fund on the platform of WeChat by depositing money into the change pass. Although the money fund is one of the low-risk wealth management products, it does not guarantee the principal and the minimum income, so there is the possibility of loss.

In addition, the income of "change pass" is different from that of bank demand deposits. What banks deposit is interest, but the general principle of change is fund income, which is different. In terms of security risks, buying funds is definitely risky compared with bank deposits. In other words, changing a pass is also an investment, but the investment will be risky, although generally speaking, the income from changing a pass is much higher than the bank interest.

Extended data:

First of all, introduce the change pass:

1, WeChat "change pass" has a small fund scale 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.

2. The transferred part of WeChat change can only be transferred back to WeChat change, and the transferred part of bank card can be directly withdrawn to bank card.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.

Second, the shortcomings of changing the pass:

First, if the funds transferred from the change card cannot be transferred to the bank card, they can only be transferred back to the change, and the withdrawal amount of the change transferred to the bank card is only 1 1,000 yuan per person for life. After exceeding the limit, a service fee of 0. 1% in cash is required, with a minimum of 0. 1/ pen. For example, Alipay can be transferred to Yu, or the online merchant bank, and then transferred to the bank card, so that the handling fee can be avoided.

Second, the main function of WeChat is social interaction, but financial functions are added to social interaction. Many people often chat and share various links on WeChat, and accidentally click on viruses or phishing websites, which is prone to financial risks. In addition, if some friends often add strangers as friends in group chat, they will be restricted from logging in after being reported, and will be blocked in serious cases. Although there are channels to withdraw cash after logging in or blocking, it will cause trouble.