Do I need to apply for the transfer of 2 million yuan from my personal account?

Personal account transfer of 2 million does not need to apply, under normal circumstances, personal account will be set up with an upper limit of transfer, more than this amount can not be transferred, as long as the transfer of 2 million in this person's account is legal, there is no need to make another application, between personal bank accounts and between personal bank accounts and between personal bank accounts and unit bank settlement accounts with an amount of more than 200,000 yuan transfer; Legal persons, other organizations and individual businesses.

A single transfer payment of more than 1 million yuan, and a single cash receipt and payment of more than 200,000 yuan will be monitored by the bank, and the bank will pay close attention to the first time of the funds, especially whether the funds are formal and legal.

Extended Materials. 1. Frequently asked questions about personal account transfers.

1. Is there any restriction on the type of card for inter-bank transfer?

Answer: The inter-bank transfer business covers almost all card types, and currently does not support international cards and corporate cards, and the transfer card does not support the Bank's credit card for the time being.

2. How to apply for start-up?

Answer: All customers who have opened the bank card transfer function do not need to apply separately, and the inter-bank transfer function will be automatically activated; If the card is transferred out of the inter-bank transfer business, if it is a card of another bank, the relevant business regulations of the other bank shall be followed.

3. What is the daily cumulative transfer limit for personal accounts? Answer: Inter-bank transfer is generally less than 50,000 yuan.

4. Which banks can be transferred by the inter-bank transfer function of the bank?

A. Have UnionPay.

Standard cards and banks with UnionPay account verification are accepted.

5. Whether the arrival time is real-time or the next day.

A: Personal account transfers are received in real time.

6. What are the fees related to transaction fees?

Answer, the inter-bank transfer transaction fee is charged by the card issuer of the transfer account, the transfer card device will automatically display the transaction amount and handling fee, and prompt the transaction amount "transaction may incur a handling fee" If you have any questions about the transaction fee, please check the issuing bank", according to the UnionPay standard, if the bank self-service equipment is used for inter-bank transfer, for the inter-bank transfer in the same city, the card issuer of the transfer-out card needs to pay a handling fee of RMB according to the transfer amount of 0-10,000 (including -50,000 (including -100,000 (including more than 10,000 yuan); For non-local inter-bank transfers, the issuer of the transfer-out card shall pay a handling fee of 1% of the transaction amount (minimum 5 yuan, maximum 50 yuan).

No, it mainly depends on the card limit of your account account, if there is a set limit, the amount transferred out shall not be greater than the set limit, you can apply to increase the limit, if the set limit is greater than 2 million, you can transfer as much as you want, you can transfer wherever you want, even if you want to transfer a point each time to transfer 200 million times, there is no problem.

You need to bring the relevant documents to the bank for processing.

If an individual wants to transfer 2 million, he or she needs to bring the original ID card, the original bank card, the purpose of the transfer and the name of the opening bank of the other party's bank to the bank for processing. Under normal circumstances, there is no need to make an appointment for a bank transfer of 2 million, but there is a limit to the amount of daily transfer from each bank, and the amount of each bank is also different, and the handling fee charged will also be different. If you want to make a transfer, you can go directly to the bank counter to go through the procedures, and the process is the same as that of ordinary transfers, but you must be present in person.

Article 1 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Application of Law in Handling Criminal Cases of Illegally Engaging in Fund Payment and Settlement Business and Illegal Foreign Exchange Trading: In any of the following circumstances, violating state regulations falls under the category of "illegally engaging in fund payment and settlement business" as provided for in Article 225, Paragraph 3 of the Criminal Law

1) Illegally providing others with services for cashing out of the settlement account of the unit bank or transferring the settlement account of the unit bank to the personal account;

2) Illegally providing check cashing services for others;

3) Other situations of illegally engaging in fund payment and settlement business.

Article 225 of the Criminal Law of the People's Republic of China: Crime of illegal business operation: Whoever violates state regulations by committing any of the following illegal business activities, disrupting market order, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or short-term detention, and/or shall be fined not less than one time but not more than five times the amount of illegal gains; where the circumstances are especially serious, a sentence of five or more years imprisonment is to be given, and a concurrent fine of between 1 and 5 times the amount of unlawful gains or confiscation of property is to be given

Illegally operating **, **, or insurance business without the approval of the relevant competent state departments, or illegally engaging in fund payment and settlement business.

Extended Information:1Set a complex password as a separate online banking password.

Do not use simple digit arrangement, birthday, ** number, ID card number, home address, house number, postal number and other relevant personal information numbers as passwords. Distinguish your online banking password from other passwords and don't use the same password.

Summary. Personal bank cards receive huge transfers, and if it is a normal business, it will not be a crime. If the funds in the bank card do not match the person's income, it will be considered as a suspicion of helping others launder money, and the banking system will command and control the non-counter business of the bank card.

If you receive a huge transfer, it is my recent lottery ticket and won a huge amount of money, which belongs to my normal income and will not be considered a crime.

What is the risk of receiving 3 million yuan in a private account.

Personal bank cards receive huge transfers, and if it is a normal business, it will not be a crime. If the funds in the bank card do not match the person's income, it will be considered as a suspicion of helping others to bury money laundering, and the bank is under the command and control of the non-counter business of the bank card. If you receive a huge transfer, it is my recent lottery ticket and won a huge amount of money, which belongs to my normal income and will not be considered a crime.

Will the bank ** come to you?

Personal bank cards receive huge transfers, and if it is a normal business, it will not be a crime. If the funds in the bank card do not match the person's income, it will be considered as a suspicion of helping others to bury money laundering, and the bank is under the command and control of the non-counter business of the bank card. If you receive a huge transfer, it is my recent lottery ticket and won a huge amount of money, which belongs to my normal income and will not be considered a crime.

If the bank comes to you, you just have to tell the truth about the guess and the situation. Go to the outlet and say in person, don't have any contact. If it is the wrong account, it will be a void to turn Suiyu back.