The difference between financial card and savings card

the difference between a wealth management card and a savings card is as follows:

a wealth management card is a kind of debit card, which refers to a bank card that deposits first and then consumes, and has no overdraft function. Unlike savings cards issued for ordinary users, wealth management cards are issued for high-end customers.

wealth management cards focus on many wealth management functions, such as foreign exchange, fund, deposit, etc., and enjoy some VIP services according to the star rating, such as giving priority to business at the counter, no need to queue up, reducing the handling fee for transfer and remittance, etc., while savings cards have the functions of transfer settlement, cash deposit and withdrawal, etc.

investors' interest on saving money is different. For one thing, the current and fixed interest paid into the savings card is lower than that of the wealth management products in the wealth management card.

In addition to issuing wealth management cards and savings cards to investors, banks also have credit cards. Cardholders have a certain degree of credit and can overdraw, that is, spend first and then pay back the money.

savings card charges mainly include annual fee, small account management fee, loss reporting fee, new card worker, cash withdrawal fee (including local interbank, remote bank, remote bank, overseas ATM, Hong Kong and Macao), transfer fee (including remote bank, remote bank, local interbank, wire transfer overseas) and online banking transfer fee (including remote bank, remote bank, local interbank and overseas remittance).

The specific charging standard varies from bank to bank:

Industrial and Commercial Bank of China: the card handling fee is 5 yuan, and the annual fee is 1 yuan/year, which is lower than the small account management fee of 3 yuan 3 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction;

Agricultural Bank of China: the card handling fee is 5 yuan, and the annual fee is 1 yuan/year, which is lower than the small account management fee charged by 3 yuan 3 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction;

China Construction Bank: the card handling fee is 5 yuan, and the annual fee is 1 yuan/year, which is lower than the small account management fee charged by 5 yuan 3 yuan/quarter;

Bank of China: the card processing fee is 5 yuan, the annual fee is 1 yuan/year, and the small account management fee is not charged, and 4 yuan/transaction is withdrawn from banks in the same city;

Bank of Communications: the card handling fee is 5 yuan, and the annual fee is 1 yuan/year, which is lower than the small account management fee charged by 5 yuan 3 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction;

Postal savings: it is free to apply for a card, and 2 yuan/transaction is withdrawn from banks in the same city. Most provinces and cities do not charge annual fees and small account management fees;

China Minsheng Bank: it is free to apply for the card, with no annual fee and no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction;

China everbright bank: it is free to apply for the card, with no annual fee and small account management fee, and the first three monthly withdrawals between banks in the same city are free, followed by 2 yuan/transaction;

China CITIC Bank: it is free to apply for the card, with no annual fee and small account management fee. The first two withdrawals in the same city are free every month, and then 2 yuan/transaction;

Huaxia Bank: it is free to apply for the card, with no annual fee and small account management fee, and the first withdrawal in the same city is free every day, and then 2 yuan/transaction;

Shanghai Pudong Development Bank: it is free to apply for the card, and there is no annual fee. 2 yuan/transaction is withdrawn from banks in the same city, and the account management fee is 12 yuan/year. If the balance in the account is always above 1 yuan, or a POS card is spent during the year, it will be exempted.

Industrial Bank: it is free to apply for the card, with no annual fee and small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/transaction;

China Merchants Bank: it is free to apply for a card, and there is no annual fee. 2 yuan is withdrawn from banks in the same city/transaction. Account management fee: 1-5 yuan/month if the assets of the same customer in the bank are less than 1, yuan.

business scope

withdrawal, inquiry, password change, etc. at the nationwide networked savings ATM. Transfer consumption on POS terminal in our city. Deposits and withdrawals are made at savings offices connected to the national network, and deposits are made at ATMs (the specific time will be notified separately).

savings ATM business

savings ATM(AUTOMATIC TELLER MACHINE) is a service means and tool provided by savings for depositors, and it is also a self-service bank for depositors to realize self-service; It is the crystallization of modern communication technology, computer technology and banking services. It can provide depositors with functions such as deposit, withdrawal, account inquiry and personal password modification.

savings POS business

savings POS business is a consumer service tool provided by savings to promote the realization of electronic money, reduce cash circulation and reduce the labor intensity of merchants. In shopping malls, hotels, entertainment places and public service places where POS terminals have been installed in the bank card network, savings card users can use their accounts instead of cash, and the amount of consumption and payment by users is not limited, and there is no handling fee. But the account cannot be overdrawn. In addition, Savings has also launched mobile phone payment service and telephone wallet payment service, which is easy and flexible, and it is convenient to pay anytime and anywhere 24 hours a day.