Is there a handling fee for Baixinzhi Save How about Baixinzhi Save No. 2? Interest rate 3 8 for dem

"Baixin Zhi Save" on the Du Xiaoman Wealth Management APP (formerly wealth management) platform is a "bank deposit" product, low risk, enjoy deposit insurance protection, 100% compensation within 500,000. There is no handling fee for purchase. Baixin Wisdom Deposit "Current" product withdraws income in advance, access and withdrawal at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit, the funds deposited on the same day can be withdrawn on the same day but the income is not calculated.

There are also term products with various "maturities", which users can choose according to their liquidity preferences.

Baixin Zhi Save is an innovative deposit launched by CITIC Baixin Bank, which is similar to Jingdong Finance's Fumin Bao and Online Banking's Dinghuo Bao. This type of product is characterized by the flexibility of demand deposits and the higher rate of return than demand deposits.

So how about this product, how about Baixin Zhi Save, the following Xicaijun will help you analyze.

First, the product background.

The issuer of Save is Baixin Bank (full name is "CITIC Baixin Bank Shares****"). Baixin Bank is a direct bank jointly initiated by China CITIC Bank and the company, which was approved by the China Banking Regulatory Commission in August 2017 with a registered capital of 2 billion.

Baixin Bank is controlled by China CITIC Bank and holds a limited license for commercial banks, so the security of the smart Save as a product of Baixin Bank is still guaranteed.

Second, the nature of the product.

Save Deposit is actually a fixed deposit product provided by Bacera Bank, with a tenor of 5 years, which can be withdrawn at any time during the deposit period. If the user withdraws before the expiration of the deposit period, Bacera Bank will transfer the right to the income of the fixed deposit to a third-party service provider, so the user can still enjoy the income of the 5-year fixed deposit when withdrawn in advance.

From the perspective of product nature, Smart Save is connected to bank fixed deposits, and the principal is risk-free. However, the user's early withdrawal involves the transfer of the right to income, and if there is no third-party service agency to take over, it may be necessary to hold it at maturity in order to obtain the income of the fixed deposit, otherwise the interest will be calculated according to the current interest rate.

3. Yield.

Baixin Zhi Save calculates the interest according to the withdrawal rate on the day of withdrawal, and the withdrawal rate is the same for 5 years and 1 day. At present, its withdrawal rate is relatively high compared to other current wealth management products (baby wealth management, currency**), but whether this income can continue for a long time is uncertain.

Fourth, other features.

Smart Save Deposit does not limit the amount of transfer in and out, starting from 50 yuan, and the interest starts on the day of deposit, which is quite loose compared to the limit of baby financial management.

Baixin Smart Save Deposit No. 2 is a deposit product, which supports deposit and withdrawal, and the withdrawal interest rate has both high expected return and low risk. The prototype of this deposit product is Smart Save, the interest rate has been reduced before, and the purchase limit has begun, you can imagine how popular this kind of product is, let's talk about it in detail.

How about Baixin Zhi Save No. 2?

1. Is Baixin Zhi Save No. 2 safe?

According to the official introduction, Baixin Zhi Save No. 2 belongs to the deposit product of Baixin Bank, which is a direct bank and Internet bank, jointly established by the company and China CITIC Bank, with formal bank operation qualifications and strictly supervised by the China Banking Regulatory Commission.

No matter from the perspective of platform background or compliance level, Baixin Bank is relatively reliable, and its deposit products promise to guarantee principal and interest. Moreover, Baixin Zhi Save No. 2 strictly implements the deposit insurance clause, and the deposit loss below 500,000 yuan is 100% compensated by the insurance company, from these two points, the security of Baixin Zhi Save No. 2 is extremely high.

2. What is the expected income of Baixin Zhihui Save No. 2?

Baixin Zhi Save Deposit supports deposit and withdrawal, the same day of deposit interest, the same day of withdrawal, the funds immediately arrived, it is similar to the bank demand deposit, but the expected income is not much different from other smart deposits, the highest expected return in the market is only other current financial management (such as Yu Bao, currency **) The annualized expected return is less than 3%, so the expected return of Baixin Zhi Save No. 2 is very good.

In general, the interest of Baixin Zhi Save No. 2 has been reduced, and it has also begun to limit purchases (opening quota at zero every day), but combined with the current market environment, its investment cost performance is still very high, and interested can be properly considered. Warm reminder, financial management is risky, investment needs to be cautious.

There is a kind of current financial management, its advantage is that the expected return is higher than that of baby financial management, and the risk is also very low, but the disadvantage is that many people rush to buy it, it is not easy to buy, it is a smart deposit. Among the smart deposits that are easier to buy, Baixin Zhi Save Deposit is counted as one, so let's talk about it briefly.

Songyou Yu Baixin Zhi Save No. 3 is a smart deposit of Baixin Bank, according to the data on May 15, its "Jinno Iwa Day Withdrawal Expected Rate of Return" is Baixin Bank is an Internet bank jointly established by the company and China CITIC Bank, approved by the China Banking Regulatory Commission. The bank promises to guarantee the principal and interest of the Save, and at the same time has the protection of deposit insurance, and 100% of the loss of principal and interest within 500,000 yuan will be paid.

How to buy Baixin Zhi Save No. 3?

On the Du Xiaoman platform, Baixin Zhi Save No. 3 is a daily quota sale, and you generally can't buy it if you go late. In Baixin Bank's WeChat banking (service account), Zhi Save No. 3 is not limited to purchase, and it is relatively easy to buy.

It should be noted that the transfer to Save supports the electronic account payment of Baixin Bank, and also supports the payment of binding bank cards, and the payment of bound bank cards has a limit, and the excess can be transferred to the electronic account of Baixin Bank, and then invested in Save Memory.

Transfer out of the Save only supports transfer to the electronic account of Baixin Bank, users can transfer funds from the electronic account to their own bound bank card, the speed is very fast, the whole withdrawal process is almost real-time, the experience is very good.

Bacera Bank Smart Deposit is an ordinary personal deposit. Bacera Bank is also a compliant banking and financial institution, and its deposits are protected by deposit insurance. According to the "Deposit Insurance Law", individuals are entitled to 100% compensation within 500,000 yuan for ordinary deposits in a single bank.

Therefore, the security of the deposit can be guaranteed.

At present, some small and medium-sized banks have cooperated (sold) with Internet platforms to issue bank smart deposit products, which have the advantages of high liquidity (interest can be calculated or withdrawn in advance) and interest rates are higher than those of general time deposits. The interest rate is around 4%. For example, the "Baixin current and fixed" bank deposit product on the Du Xiaoman Wealth Management APP (formerly wealth management) platform starts at interest on the day of transfer, and arrives in the account "in real time" on the day of withdrawal, and can be withdrawn at any time without limit.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

It's the wisdom of Baixin.

You can search for and install the Xiaoman Wealth Management APP (formerly wealth management) in the application market, perform real-name authentication (enter the page of "I Grind Shirt", click on the "Avatar" in the upper right corner, click "Real-name Authentication" to complete the real-name operation), and bind your name to the bank savings card, you can buy the Noisy Kai wealth management products!

Investment is risky, and financial management needs to be cautious!