Inter bank large value transfer funds are frozen, how to deal with them

1. Show that the transfer is successful, in fact, the banking system is processing, at this time the bank card balance has not decreased, but the funds are frozen 2. Temporarily freeze the funds here, and after the funds are successfully transferred to the other party's bank card, the funds will show that the transaction is successful 3. If the other party applies to the bank for freezing after the transfer is successful, it will also show the freeze 4. Please call the bank customer service** or go to the bank branch to inquire about the specific reason.

It is recommended to contact the card issuer to inquire about the status of the card or the reason for the freezing of funds.

If it is a Ping An Bank debit card, you can click the link below to select the **customer service icon in the upper right corner of the home page or follow Ping An Bank's WeChat*** (Pingan Bank) for consultation.

Will the card be blocked for large transfers? If your bank card belongs to the normal channel, the transfer of a large amount will not be frozen, because your money is yours, and it is normal to transfer it to others, so he will not be frozen, except for the improper transfer of your money, he will be frozen.

If the bank card is transferred multiple times and in large amounts, there is a risk of being frozen, especially if the public security organs and the People's Bank of China intervene. In addition, if money laundering or fraud is involved, it is more likely to be frozen.

No, but your large amount will be included in the attention and will not be frozen.

Look at how big you are....Normal ones don't....It's not normal, and it's noticed by the public security bank....There are illegal transfers to launder money. Suspicion. Naturally, the investigation will be frozen....It's okay if you don't break the law or commit crimes....Don't be afraid of people checking.

The bank card may be frozen because of the large amount of transfer, because the bank will have requirements for the amount in each account, if you suddenly transfer a large amount of money, the bank may think that you are suspected of violating the law, and will freeze your account number, and then check it out.

No, as long as it's the money that comes from the right way, you'll be fine if you transfer it dozens of times a day.

If it is a normal and legal large-value transfer, the amount will not be frozen, but some banks will give you some risk warnings for large-value transfers over the counter or mobile banking, and will not be frozen because of legal and normal transfer needs.

1. Under normal circumstances, as long as you contact the opening bank immediately.

and provide relevant supporting documents according to the bank's requirements to unfreeze the fiber; If it is frozen for judicial reasons, the freezing time is not fixed. If you just cooperate with the investigation, you can generally unfreeze it when the results come out; If it is because of the court's blacklist.

If it is frozen, the bank card account will be unfrozen only after the arrears are paid off.

2. Once the bank card is frozen, the impact of the freezing is greater than the loss report in the relevant rights and interests of the bank card, and the operation will be unable to consume within a certain period of time. You can bring your ID card.

Go to the offline outlets of the issuing bank to go through the unfreezing procedures. If it is only frozen due to too many transfers, it will be unfrozen within 3 working days.

3. If it is an unknown fund involved in the amount of transfer, in case of wanton change, the user only needs to wait for the bank's automatic unfreezing operation.

4. If your bank card is a debit card.

If it is frozen, it may be a wrong account freeze, that is, the bank mistakenly gave you more money during the transaction, then the bank may freeze the excess to you.

Extended information: Is it not possible to transfer large amounts now?

For commercial banks, large-value transfer funds refer to the amount of 50,000 yuan (inclusive) and above. If it is a fund in the same bank, no matter how large the amount is, no matter what time, it can be transferred, because the funds have not flowed out of the bank, and internal changes can be realized in the same system.

There are two transfer systems of the People's Bank of China, namely: the large-value payment system.

and micro-batch payment systems. According to the People's Bank of China.

The operation time of the large-value payment system is 8:00 a.m. to 17:00 p.m. on weekdays, and the small-value batch split payment system is 24 hours a day.

The above is a transfer restriction caused by the operating hours of the large-value system, but some people will say, "I am transferring money during working hours, why can't I transfer funds?" This is mainly because you are not over the counter but through mobile banking.

Or online banking. In order to ensure the safety of users' funds, many banks have set limits for mobile banking and online banking transfers, such as the daily transfer limit of mobile banking is 200,000 yuan, and the daily transfer limit of online banking is 1 million yuan.

Generally, the bank's anti-money laundering early warning system prompts a warning, and the bank's handling personnel determine that the account held by the user obviously has money laundering or terrorism-related situations after reviewing the judgment of suspicion, and the account held by the user is frozen and suspended.

But generally this top-level risk control.

The behavior will notify the cardholder, and only if the cardholder cannot explain the legitimate reason for the large-value transfer, it will be frozen, which will not occur under normal circumstances; If there is an abnormal accidental freezing, please consult the bank's customer service to solve it.

Transfer refers to a bank currency settlement method that does not directly use cash, but transfers money from the payment account to the receiving account through the bank to complete the currency receipt and payment.

It has gradually developed along with the development of the banking industry. When the settlement amount is large and the space distance is long, the use of transfer settlement can be more secure and fast. In modern society, the vast majority of commodity transactions and monetary payments are carried out through transfer settlement.

There are many ways to transfer and settle, which can be mainly divided into two categories: intra-city settlement and non-local settlement. Intra-city settlement includes cheque settlement, payment power of attorney settlement, intra-city collection and acceptance settlement, collection non-commitment settlement and limit check settlement, etc.; Non-local settlement includes non-local collection and acceptance settlement, non-local entrusted collection settlement, and exchange settlement.

Letter of credit settlement and limit settlement, etc.

Units that handle transfer settlement by bank and transfer settlement at the bank shall follow the principle of settling money and goods, safeguarding the legitimate rights and interests of both parties receiving and paying, and not making advances by banks. In addition, the transfer settlement should also follow the relevant regulations of the Guoqin Shinharu family.

As a bank settlement method, transfer has a wide range of applications. Transfers and settlements can be made between the same city and other places, between corporate accounts and corporate accounts, between corporate accounts and individual accounts, and between personal accounts and personal accounts.

The implementation of bank transfer settlement is conducive to the state's regulation of 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 of cash circulation and the amount of the volume, 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.

Hello, banks are more sensitive to sliding judgment of large-value transactions, and in order to prevent money laundering and other illegal acts, the monitoring and review of large-value transfers will be more stringent. As a result, your bank may place a hold or hold on your transfer when you make a large transfer. However, this is not necessarily the case in all situations.

In general, if you make a large transfer, the bank may ask you to provide information such as the purpose of the transfer, the person you are transacting with, etc., to further verify whether the transaction is legitimate. If you do not provide sufficient evidence of legitimacy, the bank may suspend the processing until the problem is clarified, which may cause a delay in the arrival of your transfer.

In addition, banks also have some regulations that will freeze or suspend the processing of transactions on a day when they exceed a certain limit. This limit varies for different banks and different businesses, and the specific situation needs to be judged according to your specific situation.

In order to avoid the freezing of large-value transfers by the hidden bank card, it is recommended that you communicate with your bank in advance to understand the rules, requirements and restrictions for large-value transfers. At the same time, it is also necessary to ensure that the transfer of funds** and the purpose of the transfer are true and legal, so as not to cause unnecessary trouble.

The situations that exist are as follows:

1. If it is a legal remittance, it does not violate the bank's relevant regulations on bank cards, there is no problem, and basically it will not be frozen or checked, so there is no need to worry too much.

2. But under normal circumstances, if the transfer is frequent, large and the amount is large, it will first be supervised by the bank, and then it may be frozen.

This is also to ensure the security of the account itself and avoid erroneous account transfers. If you need to unfreeze, you can bring your ID card and bank card to the bank counter for processing.

Extended information: How long does it take for frequent transfers to be frozen?

The length of time to unfreeze after a transfer is frequently frozen is mainly judged by the severity of the user's freezing. In most cases, bank cards that are frequently transferred can be unfrozen immediately. When the situation is not serious, the user can contact the issuing bank to unfreeze it.

If the user's transfer is frequently frozen, whether it will restrict future use, the user can ask the local counter or Minfeng to call customer service.

The frequent freezing of transfers is a bank freeze in the frozen business, and this freezing is less severe than the judicial freeze. Generally speaking, banks will not directly freeze bank cards, but will only restrict users' transfer operations. If this is the case, the user can contact the issuing bank directly and provide relevant information to unfreeze according to the bank's requirements.

If frequent transfers are frozen, the bank will consider the cardholder to be suspected of money laundering. Generally, the bank will take the initiative to contact the cardholder, and the cardholder can call ** to the bank's customer service to explain the reason and apply for unfreezing. If the user's card is frozen, the user needs to pay attention to the transaction time and try not to make inconsistent amount transactions in the middle of the night.

At the same time, don't trade large sums of money too often. However, it cannot be ignored that in serious cases, the cardholder must have a valid identification certificate and a reliable reason for the fund transaction, and the cardholder can only unfreeze it on the spot after providing sufficient evidence.

What are the reasons why the bank card is frozen?

1. Abnormal transactions are frozen: If the bank card is a credit card, the bank card is likely to be frozen by the bank if there are abnormal transactions such as malicious cash-out.

2. Overdraft overrun is frozen: The overdraft bank card has an overdraft limit, which is formulated by the bank according to the actual repayment ability. In the event of an overdraft, the bank will immediately freeze the card.

4. The wrong password is frozen: The cardholder enters the withdrawal password and makes an error three times in a row. The bank will automatically freeze the bank card, and it will be automatically released after 24 hours.

5. Expired and frozen: Bank cards have an expiration date, if the cardholder does not apply for a new card after the expiration date, the bank will freeze the expired bank card.

Once the bank card is frozen, many of the cardholders' services cannot be handled. Among the related rights and interests of bank cards, the impact of freezing is greater than reporting loss, and it will operate the situation of inability to consume within a certain period of time. Users who have frozen too many bank card transfers can bring their ID cards.

Go to the offline outlets of the issuing bank to go through the unfreezing procedures. If it is only frozen due to too many transfers, it will be unfrozen within 3 working days.

If it is an unknown fund involved in the amount of transfer, it is impossible to apply for unfreezing after being frozen. In this case, both the banking system and ** need to be reviewed, and it will be automatically unfrozen after the audit is fine. In this case, the user only needs to wait for the bank's automatic unfreezing operation.

Under normal circumstances, if the number of bank card transfers is too high and frozen, the card-issuing bank will take risk control.

means. Whether the use of the bank card will be restricted after being controlled by the risk, ask the local counter or call ** to ask customer service. The local rules vary from region to region, and cardholders need to call the issuing bank for clarification.

Extended Materials. Precautions for using a bank card.

1. When entering the password, pay attention to cover it with your hands, if you find the ATM.

If there is an abnormality in the password shield and card access slot, do not use it for safety reasons, and inform the bank immediately

2. In order to prevent fake ATMs, customers should try to choose self-service banks with conspicuous signs and use ATMs under the bank's video surveillance

3. It is best to store the bank card and ID card separately, do not lend the bank card to others, and do not disclose the bank card number and password at will;

4. When swiping the card to consume, do not let the bank card out of sight and pay attention to the cashier.

When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Open the mobile phone SMS service, keep abreast of the changes in the account, and call the bank immediately to report the loss once abnormal transactions are found;

7. Do not put the bank card with mobile phones, TVs, stereos, microwave ovens and other electrical appliances with strong magnetic fields, it is best to put them away. Multiple bank cards and passbooks.

Don't put it together either.

8. Try to separate the cards from each other with pieces of paper to play the role of separation.

9. Special bank card sleeves or anti-magnetic card holders can be used.

No more than 4 cards can be opened with the same bank.

In December 2015, the China Banking Regulatory Commission (CBRC) issued the Notice on Work Matters Concerning the Crackdown on New Illegal Crimes in Telecommunication Networks in the Banking Industry (hereinafter referred to as the "Notice"), which stipulates that from January 1, 2016, the same customer will open a debit card at the same institution.

In principle, no more than 4 (excluding social security cards). At the same time, the "Notice" also stipulates that "in principle, no more than 3 cards shall be opened by the same person in the same commercial bank." **The debit card issued can only be used after the card is activated at the counter with a valid ID card.

The Notice also requires that for customers who already have more than 4 debit cards, banks should take the initiative to contact customers for verification, and if they find that they do not want to handle it, they should suspend the service.