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journal reporter: zhang hong editor: zhang yiming

on september 28, media reported that a netizenbank of chinawhen withdrawing money from boluo yuanzhou branch in huizhou city, guangdong province, he deposited 100,000 yuan, but could only withdraw 3,000 yuan. he later provided a third-party certificate before withdrawing the money.

a customer provided reporters with the non-counter transfer limit agreement signed a few months ago when he opened a bank card at bank of china. the agreement showed that "the non-counter daily withdrawal limit is 3,000 yuan, and the annual withdrawal limit is 30,000 yuan." .

are there any limits on cash withdrawals? are non-counter transfer limits common? why set limits? each time the reporter called several major banks to learn about the situation.

class i cards have unlimited cash withdrawals and transfers over the counter, and there are general limits on out-of-counter services.

the agreement presented to the reporter by this customer showed that "in the future, our bank will comprehensively evaluate your card usage and account usage, and dynamically adjust the account limit. if you have a need to adjust the limit, you can also bring relevant supporting materials to the branch counter to apply. in principle, acceptance at account opening outlets."

"the staff told me that if i need to purchase financial management or online shopping, i need to bring proof of use to the branch to apply for a temporary limit increase. after the transfer is completed, the limit will be lowered again." said the above-mentioned customer.

are there any limits on cash withdrawals? are non-counter transfer limits common?each time the reporter called several major banks to learn about the situation.

a staff member at a bank of china branch in chaoyang district, beijing, said, "because there are so many telecommunications frauds now, banks have set a limit for non-counter transfers for some time. the minimum standard is 5,000 yuan per day and 50,000 yuan per year. over the counter." there are no restrictions on face-to-face transactions. however, if it is an inter-bank transfer, a handling fee may be charged. the handling fee is proportional to the amount and cannot exceed 50 yuan. it is not charged through online banking.”

icbca staff member of an outlet in xicheng district, beijing, told reporters, “it depends on which type of card you apply for first. if it is a type i card, there is no limit at the counter, but there is a limit for online transactions, such as mobile banking transfers, or wechat and alipay transfers. there is a limit; the limit for any type ii card is 10,000 yuan per day.”

what is the online transaction limit for class i cards?the person said that the limit is determined by the customer's star rating. "if you have just opened an account and there is no balance in the card, it should normally be a customer with a three-star rating or below. this should have a limit of 10,000 yuan."

a staff member of an icbc branch in baiyun district, guangzhou city said, “without raising the limit, a type ii card is generally issued. with your id card and your mobile phone number, you can open the card by scanning the 'safe baiyun' qr code. generally, if you have lived in baiyun, guangzhou for 3 months, your baiyun code will be recorded. the total daily deposit and withdrawal limit for type ii cards is 10,000 yuan. if you can provide proof of employment, you can apply for a type i card. type i cards only require 10,000 yuan. once approved, there is generally no limit.”

"if students are paying tuition, they can provide the school's fees and apply for a level 4 or level 5 card in the class i card that meets the tuition needs."

the reporter then calledagricultural bank of chinaat the xicheng district branch in beijing, a staff member of the branch said, “if you pay social security in beijing or have a residence permit, the daily limit for class i cards across all channels is 200,000 yuan. if you cannot provide proof of residence, the general limit for class i cards is 10,000 yuan or more. 50,000 yuan. there is no limit on cash withdrawals. even if the over-the-counter transfer limit is exceeded, the daily cumulative withdrawal limit for type ii cards is 10,000 yuan, and the annual cumulative withdrawal limit is 200,000 yuan.”

china construction bankstaff at outlets in chaoyang district, beijing, also stated that there are no restrictions on cash withdrawals and transfers over the counter. “the daily limit for online transfers with class i cards is 20,000 yuan.”

why do banks set limits for non-counter transfers?the above-mentioned bank of china employee explained to reporters, "we set this limit mainly out of consideration for the security of customer accounts. we are worried that if customers make large transfers without interception, it will be difficult to recover the funds once they encounter telecom fraud. at the same time, we are also implementing this measure in compliance with the requirements of the guidance documents issued by the regulatory authorities.”

the official added, "you must make sure you know the payee and are not transferring money to a stranger. be careful of telecommunications fraud. all reasonable transfers can be done."

there is a lag in the star rating increase. you can carry the proof of use to the branch to apply for the increase.

if i need to increase my quota, how can i do so?

the above-mentioned icbc beijing staff said, “first, if you deposit money later and the star rating goes up, the limit will be automatically increased; or if you don’t have money in the card now but have funds in other banks or securities companies, you can show the app we can also help you adjust it on the asset page on the website; if there is none, please explain your actual use and we will see if it is a reasonable use and we can also help you adjust it.”

however, the employee said there would be a lag in star rating adjustments. "because the star rating depends on the average balance, which may be a monthly average or a quarterly average, then the balance may need to be sufficient for a month or a quarter before the balance can be adjusted upward."

do i need to provide proof of purpose for balance adjustment and cash withdrawal?

"if you have a balance in the card, you do not need to provide proof of purpose for the balance adjustment, just bring your id card and bank card; you do not need proof of purpose for cash withdrawals, but if the amount of cash withdrawn is large, you will generally be asked about the purpose to prevent telecommunications fraud. cash withdrawals exceeding 50,000 yuan require an appointment in advance,” the employee said.

an employee of icbc guangzhou said, “if you have a balance in your type ii card and need money urgently, you can bring materials explaining the purpose of the money to the counter to apply for an increase. our general practice is to withdraw the card as a type i card on the same day, and use after that, lower the card back to category ii card.”

"if there is a need for a credit increase in the future, you can go to the branch to apply for a credit increase with materials such as house purchases and car purchases that can prove the true purpose; or you can deposit the money and use it for a period of time and wait for the star rating to be automatically adjusted." the above-mentioned agricultural bank of china staff told reporters.

the above-mentioned ccb staff said, "you are not allowed to increase the credit limit when you open a new card. you can't adjust it just after opening the card and depositing money into it. it will also have to be adjusted after a period of time, such as two or three, based on your actual usage. the system can be adjusted after a month. during this period, if you need to transfer money, you can go to the counter and there is no limit.”

the above-mentioned bank of china employee said, "if there is a need for large-amount transfers, as long as reasonable reasons and background materials are provided, the limit can be increased. if the balance on the card is greater than the limit, the limit can also be increased."

when it comes to the type of materials, the staff gave an example, "salary flow, or a contract to buy a house or a car. for example, if you use this bank card as a salary card, and your monthly salary flow is 20,000, then we will follow your instructions. the salary will be increased based on your salary.”

the reporter noticed that for over-the-counter transfers and cash withdrawals, you only need to bring your bank card and id card.do i also need to provide corresponding background materials for over-the-counter transfers?the person said, "no need, but we will understand the background of the purpose with you. because if you transfer money on online banking, there is no process of communication and understanding of the business background. if you encounter telecom fraud, you will not be able to stop it."

will the adjusted limit be greater than the deposit balance or smaller than the deposit balance?

the above-mentioned beijing icbc staff said that it is generally greater than or equal to the balance in the card. "if the balance is automatically adjusted as the star rating increases, the limit is greater than the balance; if the balance is applied at the counter, for example, money has been deposited, but your star rating has not been adjusted yet, the counter may adjust it according to the balance in your card. adjustment, not much higher than the balance.”

the above-mentioned bank of china employee also said, “it will be a little higher, but not too high.”

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