Whether a bank wealth management product can be refunded before the interest value is generally stated in the product manual. Generally speaking, the subscription application can be cancelled during the product subscription period, and the subscription application cannot be cancelled after the subscription application time. For irrevocable wealth management products specified in the product manual, under special circumstances, if customers strongly demand cancellation before the value date, they can feed back the recordable work orders purchased through online banking electronic channels to branches. The wealth management products sold at the counter and online banking channels can be cancelled at the counter. Generally, wealth management products bought by online banking can also be directly cancelled on online banking. If you can't cancel, you can apply for cancellation at the counter.
Finally, according to the type of financial management purchased, it can be divided into the following two situations:
1. If you buy closed-end wealth management, including closed-end funds or regular wealth management, you can't return it in advance, and you must wait until the opening period or expiration before you can take it out. For example, some agreements on wealth management products clearly stipulate that investors cannot terminate this product or redeem it in advance during the investment period. However, some banks can transfer some wealth management products in advance, and some fixed-term or fixed-investment wealth management products can also be withdrawn in advance, but they will lose interest or part of their principal, such as savings bonds.
2. If you buy open-ended wealth management products, most of them can be withdrawn in advance, because open-ended wealth management itself has no fixed financial period. For example, some open-end funds usually arrive in 2-3 working days after redemption.