The highest level debit card of the five major banks

The highest-level savings cards of the five major banks are: Industrial and Commercial Bank of China’s highest-level savings card is the Financial Management Gold Card, which is equivalent to an enhanced version of the Peony Money Link Card; China Construction Bank’s highest-level savings card is the Dragon Card Global Smart Credit Card; Bank of China The highest-level savings card is the BOC Platinum Card; the highest-level card of the Agricultural Bank of China is the Diamond Card; and the highest-level savings card of the Bank of Communications is the Ward Card.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types of magnetic stripes and chips. Its main functions are deposits and withdrawals at networked ATMs and bank counters, and consumption at networked POS machines. The main function of a savings card is to save deposits. Through the electronic payment network established by the bank and the card's magnetic stripe reading and manual password input, cardholders can realize functions such as card consumption, ATM withdrawals, transfers, and various payments. Spending on your card is equal to the reduction in your savings account balance. When the account balance reaches zero, the card's payment function also drops to zero.

1. The application for a debit card is very simple and does not require bank approval. Generally available immediately. With your valid ID card, go to any bank branch to apply. You must first open a checking account. The account balance must not be less than 10 yuan. Withdrawal accounts are not stamp based. For non-loss-reported accounts and frozen accounts, the account status is normal.

2. Debit card fees mainly include annual fee, small account management fee, loss report fee, new card processing fee, cash withdrawal fee (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao) , transfer fees (including non-local banks, non-local inter-banks, local inter-banks and overseas wire transfers), online banking transfer fees (including non-local banks, non-local inter-banks, local inter-banks and overseas remittances).

3. Savings POS business: It is a consumer service tool provided by savings to savers in order to promote the realization of electronic money, reduce cash flow, and reduce the labor intensity of merchants. In shopping malls, hotels, entertainment venues, and public service venues where POS terminals have been set up in the bank card network, debit card users can use their accounts to make purchases without cash. There is no limit to the payment amount and no handling fees. However, the account cannot be overdrawn. In addition, the savings bank has also launched mobile payment services and phone wallet payment services, which are convenient and flexible. It is more convenient to pay bills anytime, anywhere 24 hours a day.