What does China Merchants Bank mean by an electronic card without a physical card?

The electronic one-card account of China Merchants Bank refers to a one-card account that has no physical certificate for the time being, and it is a savings card (debit card) that cannot be overdrawn. This account cannot handle credit card business, but supports card number to handle other businesses.

China citizens who live in China and are over 16 years old can open an account at any branch of our bank with their valid identity documents (original ID cards of China and Chinese residents or original ID cards of temporary residents), but they cannot open an account online or do it on their behalf. Because the electronic one-card is a one-card with no physical certificate for the time being, if you need a physical card for special requirements (for example, as a salary account), you need to apply for a card.

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function

1. One-to-many accounts include current and fixed savings accounts in RMB, USD, HKD, Japanese yen, Euro and other currencies.

2. All kinds of deposit and withdrawal business shall be handled at any branch of China Merchants Bank in the same city; Handle the deposit and withdrawal business of RMB, Hong Kong dollar and US dollar current accounts in different places at various outlets across the country.

3. After the deposit is automatically transferred to deposit, lump-sum deposit and withdrawal and expires, the bank will automatically transfer the deposit according to the original deposit period and bear interest.

4. Self-service Transfer After applying for the self-service transfer function at the counter of China Merchants Bank, you can directly use the relevant self-service channels to handle the following businesses:

① Transfer funds between the "all-in-one card" in the same city and the passbook through online banking, ATM self-service equipment, self-service inquiry terminals and other channels;

② Transfer money to any pre-designated account through online banking and self-service inquiry terminal channels;

③ Transfer money to any third-party account through online banking, ATM self-service equipment and self-service inquiry terminal channels;

Special note: It is used to handle regular and regular transfers between RMB or foreign currency accounts of the same type in the same "one card". You don't need to go to the counter to apply, and the computer system will automatically open.

5. Merchants' consumption shall be settled directly at China Merchants Bank and China UnionPay special merchants.

6.ATM withdrawal: RMB current withdrawal, password modification, third-party transfer and current account balance inquiry are handled at the ATM where China Merchants Bank opens an account; RMB demand withdrawal can be handled at the ATM at the non-account opening place of China Merchants Bank; You can also handle RMB current withdrawal and current account balance inquiry at ATMs of other banks that have joined China UnionPay.

7. The self-service deposit machine can handle RMB demand deposit, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal and other businesses. Self-service deposit machine for opening an account in China Merchants Bank; Account-free deposit business will be opened soon.

8. Inquire about China Merchants Bank counter, self-service bank, telephone bank, online bank and other channels, and provide customers with deposit interest rate, exchange rate, business introduction and various accounting inquiries.

9. Telephone Banking China Merchants Bank Telephone Banking provides automatic voice service and manual service.

(1) directly dial 95555, and according to the automatic voice prompt, you can handle business such as account inquiry, transfer and loss reporting.

② 95555 telephone banking manual service can provide 24-hour business consulting service and accept customer complaints.

10, Mobile Banking As the first financial enterprise in China to launch mobile banking, China Merchants Bank has continuously innovated and launched a series of new-generation mobile banking products, including iPhone version, JAVA version, mobile version, Web version and WAP version. , to meet the diverse needs of customers, and strive to build a new generation of mobile financial life platform, so that your mobile financial life is dazzling.

1 1. Online Personal Banking Professional Edition applies for the function of "Online Personal Banking Professional Edition" at the counter of China Merchants Bank, and realizes the synchronous management of one card, passbook and credit card through online banking, and conducts business such as transfer and remittance, self-service payment, investment management, loan management, financial planning, financial analysis and functional application.

12. Online Personal Banking Popular Edition uses China Merchants Bank Card. You can directly handle the following personal banking services through online personal banking (Popular Edition): account inquiry, self-service transfer, self-service payment, online payment, investment management, loan management, etc.

13. Online Payment After applying for the "online payment" function at the counter of China Merchants Bank or online banking, the special merchants in the online shopping mall of China Merchants Bank can purchase goods or enjoy other services online, and simultaneously complete the payment of consumption funds.

14. Bank-securities transfer After applying for the bank-securities transfer service function at the counter of China Merchants Bank or the special securities company of China Merchants Bank, funds can be transferred between the current account opened by the designated securities company and the securities deposit account through self-service equipment such as China Merchants Bank telephone banking and online banking. This function is mainly applicable to the transfer of foreign currency funds between current account and securities deposit.

15. After the third-party depository is specified in advance at the counter of the brokerage firm and the third-party depository function is confirmed at the counter of China Merchants Bank (some brokers can open one-stop accounts for the third-party depository at the counter of the brokerage firm), the mutual transfer of funds between the current account and the securities depository account opened at the designated brokerage firm can be realized through self-service equipment such as telephone banking and online banking of China Merchants Bank. This function is mainly applicable to the transfer of RMB funds between current account and securities deposit.

16. Yinjitong can handle the purchase, subscription and redemption of various open-end funds through the counter, online banking and telephone banking, and other open-end funds can be handled at the counter.

17. Entrusted wealth management can inquire about wealth management products, account positions, current transaction entrustment, account historical transactions and other information through our counter, online banking and telephone banking, and can handle the subscription, purchase, redemption and cancellation of our wealth management products.

18, the insurance agency business can purchase all kinds of insurance products at various branches of China Merchants Bank with the insurance information such as this card, insurance application form and identity documents, and enjoy telephone sales and online sales of insurance financing services.

19. With the opening of the personal gold trading business of "lucky money" in the corresponding channel of China Merchants Bank, the gold business can be entrusted and inquired about the trading of various precious metals listed on the exchange through different channels, and the personal gold and silver investment and purchase business of China Merchants Bank can be handled through the counter channel of China Merchants Bank.

20. Foreign Exchange Trading After applying for personal foreign exchange trading at the counter of China Merchants Bank or online banking professional edition, you can handle foreign exchange trading entrustment and inquiry at China Merchants Bank's telephone banking, self-service inquiry terminal, online banking professional edition and wealth account professional edition. Customers can easily participate in and invest in the international foreign exchange market to obtain certain investment reports.

2 1. After signing the agreement with China Merchants Bank, the self-service loan will be pledged by the self-owned local and foreign currency time savings deposit stored in China Merchants Bank Card. Telephone banking, online banking, self-service terminals and other self-service devices can apply for loans from China Merchants Bank, and they can repay themselves through the above channels.

22. Apply for self-service payment at the counter of China Merchants Bank or through telephone banking, online banking and mobile banking. Pay various fees to the special charging unit of China Merchants Bank through telephone banking and online banking of China Merchants Bank.

23. Agency business According to the written entrustment of the unit or individual, the bank can pay wages or remit various expenses for the unit or individual.

References:

Baidu Encyclopedia-China Merchants Bank Card