What is the difference between a Class 1 card and a Class 2 card

The first type of card is a full-featured account, which has the functions of cash deposit and withdrawal, transfer, financial management, bill payment, payment, etc.; The second type of card is equivalent to a wallet, and its main functions are savings deposits, investment and financial management, daily consumption, bill payment, etc. Class II cards do not support cash deposits and withdrawals, nor do they support transfers to unbound accounts, and there is a limit on transfers from Class II card accounts.

Bank card refers to 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 be issued to the public.

Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space.

The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.

Definitely needed

At present, most people can only apply for second-class bank cards. A type of bank card not only requires proof of employment, but also requires a hard rule that your income reaches more than 10,000 yuan. If you can't reach 10,000, the bank staff will not give you a type of card.

Because of the second-class card, it is limited to 10,000 yuan in transaction transfer per day, and 200,000 yuan in transaction transfer throughout the year. There is no limit to the amount of a first-class card, but you can only apply for a first-class card if you have a salary of more than 10,000 yuan.

Extended information: The difference between a first-class bank card and a second-class bank.

1. The cumulative upper limit of the daily transfer in and out of the second type of card is 10,000 yuan, and the cumulative upper limit of the annual transfer in and out is 200,000 yuan.

2. A type of card with different functions is a full-featured account, which is a well-known debit card, which can be used for deposits, transfers, consumption payments, purchase investment and wealth management products, cash withdrawals, etc.

The second-class card can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts with a limit.

3. The application conditions are different, and you need to bring your ID card to the offline bank to apply for a type of card, and the staff needs to verify the information. In addition to the above requirements, you must also apply for a second-class bank card if you already have a first-class card from the same bank.

CCB Class I and Class II cards refer to CCB's Class I and Class II accounts, and the differences are as follows:

Type I account is a full-featured account, which is a well-known debit card, which can be used for deposits, transfers, consumption payments, purchase investment and wealth management products, cash withdrawals, etc., and there is no restriction on the scope and amount of use. Individuals' salary income, large-value transfers, bank-securities transfers, as well as the payment and payment of medical insurance, social insurance, pensions, provident funds, and other businesses shall be handled through similar accounts.

Accounts can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts with limits.

If the identity is confirmed face-to-face by the bank staff at the bank counter or self-service equipment, the account can also handle the business of depositing and withdrawing cash, transferring funds from unbound accounts, and can issue physical bank cards.

Among them, the total daily cumulative limit of funds transferred and cash deposited into the unbound account of such accounts is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; The total daily cumulative limit of consumption and payment, transfer of funds to unbound accounts, and cash withdrawal is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.

It always refers to the use of a type of card that is equivalent to a normal debit card, without any restrictions; The daily limit of the second-class card is within 10,000 yuan, and the annual cumulative limit is within 200,000. However, there is no limit on the amount of bank card transfers between the same bank card belonging to the same customer, including the transfer of Class I and Class II cards.

The one-foot upgrade card is a full-featured account, and any function is not restricted; The second type of card is a limited function account, with a limit for consumption, a limit for payment, and a limit for transferring funds to a non-tied Xiaoshanding account.

There is no limit on the use of Class I accounts, while there is a limit on the use of Class II accounts, with a daily cumulative limit of 10,000 and an annual cumulative limit of 200,000. The first type of account can only be opened by the person with his or her identity document at the bank's outlets, while the Erling Feng account can be opened directly through online banking, mobile banking and other channels.

Here's how to check whether a bank card is Class 1 or Class 2:

1. Check through the bank counter, bring your ID card and bank card to the nearby bank outlets, and the staff will tell you which type of bank your bank is.

3. Check through mobile banking (take iPhone8 mobile phone as an example, based on iOS12 operating system),** and log in to the bank's official mobile APP, in your own account, you can view the bank card account category.

4. Check through online banking, enter the official ** of the bank, log in to your personal account, and check in the bank card details.

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The difference between the two is that the scope of use is different, the number of opening restrictions is different, the opening channels are different, and the use limit is different.

The scope of use is different: a type of card can be said to be a full-featured account, which can be used for large-value deposits and withdrawals, transfers, consumption payments, and financial management products, etc., and there is no restriction on its use. The second-class card cannot handle large-value transfers, cross-border remittances and other businesses, and can only be used to purchase wealth management products, deposits, consumption and payment of limited amounts.

There are different limits on the number of accounts to be opened: the same customer can only open one type 1 account in the same bank, while the type 2 account can open more than one.

There are different channels for opening an account: the first type of account can only be opened by bringing the ID card to the bank's outlets, while the second type of account can be opened directly through online banking, mobile banking and other channels.

There is no limit on the use of the first type of account, while there is a limit for the use of the second type of account, with a daily cumulative limit of 10,000 and an annual cumulative limit of 200,000.

Can Class 1 and Class 2 cards be converted?

The two are convertible. Because the second-class card can be upgraded to a first-class card, as long as you bring your ID card and bank card, you can go to the corresponding bank to upgrade the card of this business, but a customer can only have a first-class card in a bank, if there is a first-class card before, then if you want to upgrade the second-class card to a first-class card, you need to cancel the previous first-class card.

A type of account generally refers to the debit card that we commonly use now; The second category is similar to a credit card. In layman's terms, a type of account is a bank card that we usually use, which can deposit money and withdraw money, etc., and cannot be overdrawn, but such cards cannot deposit and withdraw cash.

Specific differences: A type of card can deposit and withdraw cash, wealth management, transfer, payment, payment, etc., and is not limited by the quota when used; The second type of card is mainly responsible for daily expenses, financial management, investment, etc.

The second type of account funds are the first type of account, that is to say, the function of the first type of card is relatively basic, and the function of the second type of card is derived, including accounts opened in direct banks and Internet banks such as WeBank, etc., Class accounts can handle deposits, purchase bank investment and wealth management products, consumption payments, etc.

The first type of account is a full-featured account, which is a well-known debit card, which can be used for deposits, transfers, payment of consumption fees, purchase of investment and wealth management products, cash withdrawals, etc., and the scope and amount of use are not limited by the wheel. Individuals' salary income, large-value transfers, bank-securities transfers, as well as the payment and payment of medical insurance, social insurance, pension, provident fund and other businesses shall be handled through Category I accounts.

The second type of account can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts with a limit. Through the bank counter, self-service equipment and the bank's Lingfanchai staff on-site face-to-face identity confirmation, similar accounts can also handle cash deposits and withdrawals, non-bound account funds transfer business, can be issued bank card physical card.

The total daily cumulative limit of funds transferred and cash deposited into the unbound account of such accounts is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; The total daily cumulative limit of consumption and payment, transfer of funds to unbound accounts, and cash withdrawal is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.

The biggest difference is that the two types cannot deposit or withdraw cash or transfer money to unbound accounts.