If the fixed deposit money has not expired, can it be transferred directly to another card?

If you want to make a transfer and your fixed deposit is not due, you can convert your fixed deposit into a current account and then make the transfer.

Tips: If the unexpired lump sum fixed savings deposit is fully withdrawn in advance, the interest shall be calculated and paid according to the current execution rate of the business institution on the date of withdrawal; If part of the withdrawal is made in advance, the interest shall be calculated and paid according to the current execution rate of the business institution on the date of withdrawal.

Extended Materials. In accordance with the provisions of the Bank Settlement Measures, except for the Interim Regulations on Cash Management.

In addition to the provisions that can be settled in cash, all commodity transactions, labor services, fund transfers, credit exchanges, etc. between enterprises, public institutions, organs, organizations, and military units shall be settled by transfer through banks in accordance with the provisions of the bank settlement measures. The reason why the state encourages the implementation of bank transfer settlement is because:

1) The implementation of bank transfer settlement is conducive to the state to regulate currency circulation. The implementation of bank transfer settlement, the use of bank credit receipts and payments instead of cash circulation, so that the economic exchanges between various units, only the business below the starting point of settlement and within the scope of cash expenditures to use cash, narrowed the scope and quantity of cash circulation, so that a large amount of cash out of the field of circulation, thus creating conditions for the state to organize and regulate the amount of money in circulation in a planned way, to prevent and curb inflation.

2) The implementation of bank transfer settlement is conducive to accelerating the turnover of materials and funds. Bank transfer settlement is achieved through the centralized clearing of funds by the bank. Banks use a variety of settlement vouchers, bills in the bank account to transfer funds directly from the payment unit (or individual) to the receiving unit (or individual), regardless of the size of the money, complex, and regardless of the distance, as long as it is above the starting point of settlement, can be handled in a timely manner through the banking institution, the procedures are simple, eliminating the use of cash settlement when the money is transported, counted, kept and other procedures, convenient and fast, thereby shortening the clearing time, accelerating the turnover of materials and funds.

3) The implementation of bank transfer settlement is conducive to the accumulation of idle funds and the expansion of bank credit funds.

Due to the implementation of transfer settlement, the temporarily unused funds of each unit are deposited in their bank accounts, and these funds have become one of the important bank credit funds. In addition, the implementation of transfer settlement, each unit in the process of settlement, the payment unit has been paid, but the voucher is still being transmitted, so the collection unit has not been recorded, so the formation of funds in transit, is also the bank credit funds.

4) The implementation of bank transfer settlement is conducive to the supervision of the economic activities of various units by banks.

Through centralized transfer settlement, banks will be able to have a comprehensive understanding of the economic activities of various units, supervise all units to conscientiously enforce financial and economic discipline, prevent the occurrence of illegal activities, and promote all units to better abide by financial and economic laws and disciplines.

You can convert your fixed deposit to a current account through online banking, mobile banking and other channels, and then transfer the transfer.

You need to convert the fixed deposit into a current deposit, and then transfer it to someone else's name, bring your valid identity document, go to the bank counter to convert the "time deposit" into a "current deposit", and then deposit it into the name of the person you need to deposit (and provide the person's valid identity document).

At the same time, before maturity, the time deposit is withdrawn in advance, and the interest on the withdrawn part is calculated according to the current period, and the remaining part is calculated according to the regular period.

It should be noted that if the amount withdrawn in advance is greater than 10,000, the user may need to make an appointment in advance, and then go to the bank's counter to withdraw cash after making an appointment.

Extended Materials. 3 features of bank fixed deposits.

Compared with bank wealth management products, bank fixed deposits reflect three advantages. It is precisely because of these three characteristics that bank fixed deposits give a sense of gain, security and happiness.

1.Guaranteed.

The principal amount of a bank fixed deposit is safe, and how much money you save will never be less than the amount you deposited when you withdraw it. Therefore, fixed deposits are "principal-protected". This is very advantageous compared with bank wealth management products.

After the implementation of the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions (hereinafter referred to as the "New Regulations") on April 27, 2018, bank wealth management products have broken the rigid payment, that is, the purchase of bank wealth management products may be loss-making, and 100% of the principal cannot be determined. Therefore, the "capital preservation" feature of bank fixed deposits gives people a sense of security.

2.Interest-bearing.

Bank fixed deposits are not only principal protected, but also interest guaranteed. When a fixed deposit is disbursed, interest will be paid in accordance with the terms and conditions of the deposit at that time. Therefore, it is interest-guaranteed, i.e., guaranteed returns.

This feature gives depositors a real sense of gain. The income of the bank's wealth management products is expected, not the guaranteed income, and when the wealth management product expires, the income paid is not necessarily the income of sales promotion.

3.Stable returns.

Bank fixed deposits have a long deposit period, and depositors can receive a set interest on the deposit during this period, so the income is stable. The income of bank wealth management products is unstable, especially the more popular net worth wealth management products, whose income fluctuates every day. Bank fixed deposits can give depositors a long-term stable income, and they are not as laborious as other investment products, so there is a small sense of happiness.

Fixed deposits cannot be transferred to other people's names, but they can be withdrawn in advance and then transferred to others.

If the bank fixed deposit is not mature, and you want to transfer it to someone else's name, you can only operate at the current interest rate.

The money in the bank card is actually the money in the user's bank account, and the user can directly choose to convert the current account to the fixed term as long as the user enters the online banking or mobile banking. After the transfer is fixed, the money in the bank card will be charged interest according to the regular period. As for the non-fixed-term transfer, the interest rate of the current account is very low, and for the money that cannot be used for a long time, the user can try to transfer to a fixed term.

In addition, the money of the bank card is transferred to a regular term, and it also supports early withdrawal, but it is not cost-effective for users to lose part of the interest if they withdraw it in advance.

If you make a fixed deposit.

One year, after the expiration of one year, the money will be automatically transferred to the account on the card.

If the cardholder has a fixed deposit in the bank card, the fixed deposit will automatically become a current account after one year expires, and it will also be on the depositor's card. But if it is with a passbook.

If you make a fixed deposit, you will not be able to automatically transfer it back to the card.

There are three ways to withdraw time deposits, as follows:

1. The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

2. If the full amount is withdrawn in advance, the bank will pay the current deposit interest rate announced on the date of withdrawal.

accrual of interest; 3. If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the date of withdrawal, and the time deposit shall be liquidated.

A fixed deposit can also be referred to as a "certificate of deposit".

The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits.

The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for maturity withdrawal of time savings deposits, interest shall be calculated according to the interest rate of demand savings deposits on the date of withdrawal for early withdrawal, and interest shall be calculated on the interest rate of demand deposits on the date of withdrawal for overdue withdrawals. With my fixed deposit certificate, I can apply for a small amount of pledge loans.

Automatically dumped. If you refuse this business because you did not take the initiative to fill in the form, the bank will assume that this business is valid - automatic rollover.

After the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit at the same time according to the same deposit period, without any restriction on the number of times, and the interest on the renewal period will be calculated according to the interest rate of the previous maturity date.

I don't know if your fixed deposit is a passbook or stored in the bank card account, if it is a passbook, it cannot be automatically transferred to the card, if it is a fixed deposit in the bank card, it will automatically become current after one year, and it is also on your card.

There are several ways to withdraw fixed deposits:

1. The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

2. If the full amount is withdrawn in advance, the bank shall calculate and pay interest according to the current deposit interest rate announced on the date of withdrawal;

3. If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

If there is no agreement on automatic rollover or agreed rollover, and the principal and interest are combined into a new principal after maturity, the interest will be calculated according to the current interest rate listed by the bank on the maturity date.

To put it simply, if there is an agreement on automatic rollover or an agreement on rollover at the time of deposit, the passbook.

Or there will be an agreement logo on the card.

If you choose automatic deposit, you can make a fixed deposit.

After the withdrawal is not withdrawn at maturity, the principal and interest of the previous period will be converted into a new principal and re-deposited according to the first deposit and deposit method; If the agreed transfer is made. If the time deposit is not withdrawn at maturity, the interest will be calculated according to the demand deposit interest rate after maturity. Under normal circumstances, the principal and interest will be re-deposited according to the agreed deposit method and deposit amount after maturity.

Further information: Regular automatic rollover means that after the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit according to the same deposit period, without any limit on the number of times, and the interest during the renewal period is calculated according to the interest rate of the previous maturity date.

When you open a certificate of deposit, you can choose whether to "automatically roll over" or "not rollover" after the time deposit matures. Customers who require this need to indicate in the "Auto Rollover" field. The default rules of "automatic rollover of fixed deposits" are not exactly the same for each bank, and ICBC needs depositors to choose by themselves, and China Everbright Bank.

By default, depositors require automatic rollovers. If you don't want to roll, you can explain it to the staff.

Maturity transfer method:

That is, every time the account matures, the interest will be automatically deducted from the interest tax.

if any) to the principal.

Account Closure Settlement:

The final interest is calculated when the account is closed.

Comparison of the two ways:

The first way is to mature, that is, you deposit a one-year fixed deposit to generate 50 quick money at maturity.

The interest, you do not withdraw when due, when you sign the contract, it is renewed regularly, and the 50 interest you generate is transferred to the principal, and the interest is also calculated in the second year.

The second way does not have this part of the compound interest, but the premise is that you sign a contract for regular renewal, if you do not sign a contract, you will not withdraw it at maturity according to the current interest rate, and the interest due in the first year of Orange Oak will not be calculated as the principal.

Advantages of account closure and settlement: it can reduce the pressure on the system, reduce the time at the end of the day, and reduce the amount of garbage data.

Disadvantages of account closure settlement: special treatment of this product is required when the account is cancelled, special treatment is required when the details are ascertained, and special treatment is also required when the account is withdrawn, and the statement is also required.

When special treatment is required, special treatment is required for the interest list.

If the customer requests to withdraw the deposit after the renewal period, the interest of the deposit will be calculated according to the current interest rate on the date of withdrawal during the renewal period.

For example, if a customer deposits a one-year time deposit of A, and the customer does not request to withdraw or divert the deposit for other purposes after the maturity of the deposit, the bank will automatically deposit A-dollar and the interest accrued by A-dollar in the current year into a one-year time deposit. If the customer requests to withdraw the principal and interest at the time of one year and five months, the interest rate will be five months during the renewal period.

Calculated based on the interest rate on the day of withdrawal.