How to do online banking for minors, and can minors open online banking

Minors' bank cards cannot be bound to Alipay. The bank card bound to Alipay is to open online banking business. Minors are not allowed to do online banking.

Chinese citizens under the age of 18 are persons with limited civil capacity and cannot open an account independently, and need to be applied by a legal guardian**, who must provide proof of relationship (ID cards of both parties, household registration book containing information of both parties or birth certificates and other proof of kinship). Guardians can apply for additional cards for bank cards (debit cards) and credit cards, but not for online banking and credit cards.

Extended information: Bank cards can be divided into many types according to different classification criteria:

1. According to whether the credit line is granted, it can be divided into credit cards (credit cards and quasi-credit cards), debit cards and savings cards;

2. According to the information storage medium, it can be divided into magnetic stripe card, chip card and composite card;

3. According to the subordinate relationship, it can be divided into the main card and the secondary card;

4. According to the settlement currency, it can be divided into foreign currency card and local currency card;

5. According to the number of account currencies, it can be divided into single-currency card, dual-currency card and multi-currency card;

6. According to the cardholder's credit status and credit status, it can be divided into ordinary card, gold card, platinum card, diamond card and unlimited card.

There can be different types of bank cards according to different classifications. In our country, bank cards can be divided into debit and credit cards according to the credit limit of an individual, which is also the most common classification method.

1. Debit card.

Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash.

A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

The debit card can be used for online or POS purchases or ATM transfers and withdrawals, and cannot be overdrawn, and the amount in the card is subject to interest on current deposits. Funds are transferred directly from the savings account when spending or withdrawing.

Debit cards generally require a PIN to use. Debit cards can be divided into regular, gold, and platinum cards according to their levels; According to the scope of use, it can be divided into domestic cards and international cards.

2. Credit card.

Credit cards are further divided into credit cards and quasi-credit cards.

A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit.

A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the bank's requirements, and when the reserve fund is insufficient to pay, it can overdraft within the credit limit specified by the issuing bank.

If you can use it, you can use it as long as you open online banking.

Adults under the age of 18 can apply for online banking at any bank branch with valid personal documents.

Internet banking (Internetbank or e-bank) contains two levels of meaning: one is the concept of institution, which refers to the bank that conducts business through the information network; The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services and emerging businesses brought about by the application of information technology. In daily life and work, when we mention online banking, it is more of a second-level concept, that is, the concept of online banking services.

Online banking business is not only a simple transfer of traditional banking products from the Internet, other service methods and connotations have undergone certain changes, and due to the application of information technology, new business varieties have emerged.

Online banking, also known as Internet banking and ** banking, refers to the use of Internet technology by banks to provide customers with traditional services such as account opening, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual bank counter on the Internet.

Internet banking is also known as "3A banking" because it is not limited by time and space, and can provide financial services to customers anytime, anywhere, and in any way (anyway).

Minors are not allowed to open online banking.

Because you are a minor and have not yet applied for a bank card, you cannot open online banking, and you can only open online banking when you apply for a bank card when you become an adult.

If not, it is restricted.

Minors need to have a guardian's ID card to apply for a bank card, but they also need the guardian's ID card information to open online banking, and they cannot open online banking by themselves.

Minors are not allowed to open online banking, and real-name authentication is required, and minors cannot operate it.

As long as you can apply for a bank card, you can open online banking.

You can open online banking.

Minors under the age of 16 who lack or have limited capacity for civil conduct shall be signed by their guardians** for E-banking, and the guardians shall sign the Application for Individual Account Opening and Bank Signing Services and the signing receipt.

When a guardian signs an E-banking contract on behalf of a minor who lacks or has limited capacity for civil conduct, the guardian shall present the guardian's valid identity certificate, the minor's resident ID card or household registration booklet, and the proof of the guardianship relationship between the legal guardian and the minor customer, and the branch staff shall review the above materials.

For citizens aged 16-18 (including 16 years old), in addition to providing proof of full civil capacity with their own labor income as the main living certificate or supervision and higher authorities have clearly stipulated circumstances, their legal ** person shall handle it on their behalf.

Minors holding secondary vocational student financial assistance cards can apply for signing e-banking contracts in a centralized manner by schools or student financial aid management agencies, and our bank can handle them through mobile signing and other means. For specific regulations, please contact the staff of the outlets.

Those who are at least 16 years old can open online banking at some banks, such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, etc.

Because each bank has different requirements for minors to open online banking, it is recommended that users consult the specific requirements of the customer service of their bank through ** before going to open it.

According to the bank's regulations, persons aged 16 and above can apply for e-banking services independently, but cannot apply for e-banking services on their behalf. In addition, according to the regulations, persons under the age of 16 can only apply for the opening of the inquiry version of the market segment of the e-banking services in principle, if you apply for the wealth management version and the VIP version of the market segment of the e-banking services, you need to be present by the guardian to handle it, the bank teller will confirm the identity of the guardian, the guardian also needs to sign and sign the relevant agreement at the application ** "agent" or "guardian", the guardian also needs to show the household registration book or other supporting materials to prove the identity of the guardian.

The daily transaction quota of online banking of major banks is generally above the level of one million yuan, and the need for such a large transaction quota for minors is obviously not in line with the actual situation, coupled with the high-pressure crackdown on anti-money laundering by the People's Bank of China, this kind of mismatch between the transaction quota and the ability is bound to be prohibited. This is also a kind of protection for minors, because minors do not know much about financial knowledge, can not effectively recognize the harm of bank card lending**, money laundering. If the bank card is borrowed, sold, defrauded and used for illegal criminal activities, the larger the account, the greater the legal responsibility of the cardholder.

Of course, with the development of online payment and the reduction of cash transactions, the demand for minors is now increasing. This kind of quick payment has a relatively low daily transaction limit and low risk, and is suitable for general consumption by minors.

Internet banking, also known as Internet banking, ** bank or e-banking, it is a virtual counter set up by banks in the Internet, banks use network technology to provide customers with account opening, account cancellation, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online **, investment and wealth management and other traditional services, so that customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home.

The characteristics of online banking are that customers can enter the online banking process through the Internet all over the world through the Internet as long as they have the password, compared with traditional banking business, the advantage of online banking is to greatly reduce the bank's operating costs and effectively improve the bank's profitability. The establishment of network i two banking business, mainly using public network resources does not need to set up physical branches or business outlets, reducing personnel costs, and improving the efficiency of the bank's back-office system.

Online banking plays a very important role in e-commerce. Whether it is a traditional transaction or an emerging e-commerce, the payment of funds is an important part of the transaction, the difference is that e-commerce emphasizes the electronic payment process and means of payment. Whether or not the electronic and networked means of payment can be effectively realized is the key to the success or failure of online transactions, which is directly related to the development prospects of e-commerce.