The bank is the agency channel and the fund official website is the direct sales channel.
The same thing is that the fund is a third-party custody system. No matter where you buy it, the funds are deposited in the custody bank. The net value of the transaction is the same, there will be no difference. In addition, the security level is the same. No matter banks or official direct sales, there have been no security problems.
The difference is:
Rates may vary. Generally speaking, direct sales channels will be low, but specific funds need specific consultation, generally according to different bank cards. The lowest discount is 60% off the previous price.
Fund conversion support is different. Direct selling channels are the maximum support, while consignment channels such as banks may not necessarily support it.
The redemption speed may be different. Direct channel redemption is generally the fastest speed, such as T+3. In addition, the money fund can be redeemed in real time, and it is also in the direct sales channel, and there is no agency channel.
Special fixed investment forms may be different. Direct selling channels may support special forms of fixed investment, such as regular fixed investment, such as trend fixed investment. However, consignment channels, such as banks, may not be supported.
Direct selling channels have special mobile app software, while consignment channels will not have special fund trading apps.
The agency channel is like a supermarket, with more funds and convenient choice. Opening an account through direct sales channels can only buy the fund of this fund company. If you want to buy another fund company, you need to open an account in another fund company in official website. But it is generally not recommended to buy more than three funds of the same type, and there is no need to buy too many different funds.