Is online banking a card? What is an online banking card?

It is a card that can be bound to the online banking method.

Bring a valid ID card over 18 years old to handle (to handle in person, the bank is not allowed to do it), go to the bank to go through the opening procedures (signing), if you already have a bank card or passbook, you can use a ready-made card or passbook to open online banking, if not, you have to open a new account. If you have more than one card or passbook in the same bank, you can add other cards or passbooks to the same banking, but you cannot add the same bank.

1.Dynamic password card online banking.

This kind of online banking does not have a U shield, when signing a contract at the counter, the bank will give a password card, the password card has 30 electronic passwords, one is used each time in the transaction, and it can be used 28 times (the last password is the first password used to connect to the next password card, which cannot be used for transactions). After using up a password card, you need to go to the bank to buy a new password card, which costs 3 yuan each. After registering with the bank, you need to activate it online to use, and you need to install a digital certificate when activating, and you don't need to install a driver.

Shield online silver, U shield costs about 60 yuan.

After the bank opens online banking, the bank will give a U shield (called online banking shield in China Construction Bank) and an "Internet Banking User Manual" (some also have a CD). The disc is used to install the driver, and you can install it by double-clicking to open it when you put it on the CD-ROM drive. Before using it, it is recommended to read the "Internet Banking User Manual" in detail, which will guide you on how to activate online banking,** install the certificate.

Is that okay?

Online banking is not a card, it is a function that a bank card has.

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.

The online banking card is a bank card that has opened online banking, generally a debit card, and the scope of the bank card is larger, and it is a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to the society, including debit cards and credit cards.

Therefore, there is still a difference between the two, not all bank cards are online banking cards, but online banking cards are bank cards, and online banking cards and bank cards are different in terms of functions and business scope.

Extended information: Types of bank cards.

Classification method. In general, bank cards are divided into credit cards and debit cards according to whether the credit line is granted to the cardholder. In addition, bank cards are ok.

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic card and overseas card;

According to the different issuance objects, it is divided into individual cards and unit cards;

According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

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.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, no overdraft, the amount in the card is based on the current deposit and interest. 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.

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.

Credit card. A credit card, often referred to as a credit card, refers to a credit card that 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.

Quasi-credit card. The quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and settlement in RMB, with functions such as transfer settlement, cash deposit and withdrawal, credit consumption, and online banking transactions.

When the balance of the account is insufficient to pay, the cardholder can overdraft the consumption and cash withdrawal within the specified limited credit limit and charge a certain amount of interest. There is no interest-free repayment period.

Digital bank cards.

On August 15, 2020, the company, Bacera Bank and China UnionPay jointly launched the first digital bank card in China, the QuickPass Card.

On August 31, 2020, China UnionPay released its first digital bank card, the UnionPay Borderless Card.

Internet banking is online banking, which 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.

The online function of bank card opening is online banking, which is also known as "3A bank", because it is not limited by time and space, and can provide customers with financial services at any time, anywhere and in any way.

Internet banking, also known as Internet banking, ** bank or e-banking, it is a virtual counter set up by the banks in the Internet, the bank uses 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 through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home.

Reference: Online Banking Encyclopedia.

1. Different channels of use Online banking is usually used by people through computer Internet access, but it can also be used on mobile phones, and mobile banking, as the name suggests, is used through mobile phone Internet access, and mobile banking cannot be used on computers.

2. Different degrees of convenience Like mobile banking, you can operate directly with your mobile phone, and mobile phones are necessities of people's lives, which can be said to be carryable, while computers are not so easy to carry, so mobile banking will be more convenient to use than online banking.

3. The order of opening is different Generally, when we apply for a card at the bank counter, the staff will ask you whether you want to open online banking, you can choose to open it, or you can choose not to open it, and mobile banking must be used after opening online banking, it can be said that to some extent, mobile banking is an extension of online banking.

4. The transfer rate is different Like online banking, the general transfer rate will be required according to the amount of transfer, while the transfer fee is basically not required for mobile banking transfer.

Bank cards can be used at ATMs and POS machines, as well as directly at bank counters.

Online banking can be used on online devices such as computers. The use of online banking is generally used with U shields.

What do you always think that online banking cards are the same as bank cards, in fact, this is a big misunderstanding, then how is the difference between online banking cards and bank cards, what is the difference between the two, I don't know and want to know, come and take a look at this selling spike.

The online banking card is a bank card that has opened online banking, generally a debit card, and the scope of the bank card is larger, and it is a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to the society, including debit cards and credit cards. Therefore, there is still a difference between the two, not all bank cards are online banking cards, but online banking cards are bank cards, and Qingbeizao online banking cards and bank cards are different in terms of functions and business scope.

In addition, online banking cards can use online banking to manage current and fixed deposits, cheques, credit cards and personal investments more conveniently through traditional services such as account opening, account cancellation, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online**, investment and wealth management.

In general, bank cards include online banking cards, but online banking cards have certain advantages of non-online banking cards.

To put it simply, a bank card is a physical card, and online banking is an electronic trading platform transaction.

The money is definitely in an account.

There is also an online banking password that is known, which must be dangerous.

But now banks generally have protection, such as CCB's Watchdata, ICBC's U shield and so on.

If you make an online transaction, you must use your bank card password and online banking password, which means that both passwords are required.

Transfer. Pay phone bills and so on. You just said two passwords, when you open online banking, you will be asked to set two passwords, one is the inquiry password, the other is the withdrawal password, the query password is to log in to the online banking, query and other businesses.

Another withdrawal password is very important, this is actually the password you use to withdraw money at the ATM, both passwords must be the same! If you change one party, the other party will automatically change the name to the same, so protect the password, if it is lost or stolen, your funds will be at risk!

Online banking is a way to use a bank card.

Just with the bank counter.

An ATM is a tool that uses a bank to serve us.

You can transfer money.

Shopping. But it's not safe on the web.

For the safety of your funds.

Banks have added security passwords to the channels for the use of such bank cards.

Some banks also have U shields.

Payment instructions that do not meet the requirements will not be accepted by the bank.

The money is all in your card.

What you pay in online banking is also the money in your card.

It's one thing. If you accidentally have your online banking password known to someone else.

There is a high probability that the money has been stolen by someone else.

If there is a U shield.

It's not enough for others to know your password.

You have to have your U-shield to use your money.

Hello, online banking is a business of the bank, that is, the bank to provide customers with more payment functions, the use of the Internet to obtain information for payment, bank card is a kind of card certificate issued by the bank to customers, customers can handle deposits and withdrawals and other traditional banking services through the bank card, thank you.

It makes no difference ... Online banking is just one function of a bank card. You can open it with 10 yuan to go to the bank business hall. After activation, you can use this bank card to buy things online.

Bank cards can be used in online banking, which is a kind of business that opens a bank card.

Online banking should apply for a contract at the bank counter with your ID card and bank card, sign a contract, handle and purchase a U shield or password card.

The difference between online banking and bank cards is that online banking is online banking, and you can look at your bank card online without going to the bank, make purchases, pay bills and other behaviors, which is more convenient than bank cards.

Difference Between Online Banking and Bank Card:

1. The carrier of operation is different: the operation carrier of online banking is PC, which can be logged in directly in the web version of the PC client of the bank's online banking, and generally needs to be logged in with the help of a computer.

The bank card needs to go to the ATM, and if there are other problems, you need to go to the counter to solve them.

2. The transfer fee is different: At present, many banks transfer money through online banking, and less than 5,000 yuan can be free of charge, but more than 5,000 yuan will charge a certain handling fee.

However, if the transfer amount of the bank card is too large, you need to queue up at the counter and go through the staff to help complete the transfer procedures. There are more procedures to go through than online banking.

3. Different degrees of convenience: online banking is relatively more convenient than bank cards, because you can realize your own transfer needs through your mobile phone, without too many restrictions;

Relatively speaking, bank cards are not so convenient, because bank cards cannot be transferred anytime and anywhere, there are more restrictions, and there is no convenience of online banking.