What is the difference between a Type II bank account and a Class I account?

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 product purchases, and there is no restriction on its use. For example, the second-class card cannot handle large-value transfers, cross-border remittances and other businesses, and the second-class account can only be used to buy wealth management products, deposits, and limit the amount of consumption and payment.

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

1. Functional differences: the first type of card is equivalent to a debit card, with the functions of transfer, financial management, payment, payment, etc., and the second type of card is equivalent to a wallet, with the main functions of investment and financial management, payment, etc.;

2. Restrictions: There is no limit on the transfer transaction and consumption amount of the first-class card, and the daily limit of the second-class card is 10,000 yuan and the annual limit is 200,000 yuan (different banks have differences);

1. The differences between Class II and Class II bank accounts are as follows:

1) Different opening channels: the opening of a type of bank card must be verified and opened by the bank counter in person; There are many channels for the second type of bank card, the card issuer can choose to go to the bank counter to verify the opening in person, or through mobile banking and other electronic channels, you can choose according to your actual situation.

2) The number of openings is different: according to relevant regulations, a person can only open one type of bank card account in a bank with one ID card; However, more than one Class II bank card can be opened, and at present, a maximum of 4 Class II cards can be opened.

3) The scope of functions is different: one type of card has the most functions, and one type of card can be said to be a full-featured account, and there is no limit to the scope when handling business; Compared with the first-class card, the second-class bank card is a restricted function account, and the scope of business is limited. For example, the second-class bank card does not support large-value transfers, bank-securities transfers, cross-border remittances and other services.

4) Quota limit: The quota limit for Class 1 and Class II cards is also different. There is no limit on the amount of a first-class bank card when handling transfers, consumption payments and other services; Different from the first-class card, the second-class bank card has a limit on the amount of money transfer, consumption payment and other services.

2. A type of bank card is actually a type of settlement account, which has comprehensive functions, and there are no restrictions on the scope of application, the amount of use and the account balance. The second type of bank card, as the name suggests, is the second type of settlement account, the second type of bank card is generally a convenient financial account, through the second type of bank card, you can do investment, transfer, consumption, etc., but there is a limit for the second type of bank card, the second type of bank card to transfer to the non-bound account, the daily transfer limit is 10,000 yuan, and the annual transfer limit is 200,000 yuan.

3. In addition to the first-class card and the second-class card, there are also three types of cards. The three types of cards are electronic accounts launched by banks, and there is no physical card, which can be opened over the counter or through relevant online channels, and the limit of the three types of cards will be limited. You can call the bank's customer service** for consultation; If you have time, you can choose to go to the bank counter to check, but you need to bring your ID card and bank card; The third inquiry method is mobile banking inquiry, **Mobile banking app login inquiry; The fourth way is to log in to your personal account through online banking and directly inquire about your personal bank card.

The first type of bank card account must be opened through face-to-face verification at the bank counter, while the second type of account does not need to be opened at the bank counter face-to-face verification and opening, and can be opened through electronic channels such as mobile banking, and there is no need to issue a physical debit card.

A type of bank card account is a full-featured account, which supports deposits, purchase of financial products such as investment and wealth management products, transfers, consumption and bill payment, cash deposits and withdrawals, and other services. The second type of account is a restricted function account, which can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and limit the transfer of funds to unbound accounts.

In addition, the total daily cumulative limit of funds transferred and cash deposited into the unbound account of the second type of account 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.

A type of bank card, that is, a type of settlement account, a full-featured account, has no restrictions on the scope of use, the amount of use, and the account balance.

The second-class bank card, that is, the second-class settlement account and the convenient wealth management account, can be used for investment, transfer, consumption and payment, but there is a limit of "10,000 yuan per day and 200,000 yuan per year".

There are also three types of settlement accounts, that is, "coin purse" accounts, which can only be used for small consumption and payment in daily life, not only the use of the limit is limited, but even the account balance has a "maximum of 2000" upper limit.

For users, it may be intuitive to distinguish account types by bank cards; But for banks, it is differentiated by accounts.

Whether it is a passbook, a bank card or an electronic account, in the bank's view, it corresponds to a separate settlement account.

Therefore, the statement of Class I bank card and Class II bank card is not particularly accurate; The accurate name in the industry should be the first-class settlement account and the second-class settlement account.

The difference between a Class II account and a Class I bank account.

The difference between Class I card and Class II card is mainly reflected in the number of cards that can be handled, the first type of card can only be handled by the same bank, and the second type of card can be handled by multiple cards, up to 4. In addition, the first type of card is a full-function bank account, which can handle various business of the bank, while the second type of card will have limited functions.

The first type of bank card account and the second type of account, they are both debit cards, but the scope of their functions is different. A class of cards. Full-featured. Each person can only have one type of card per bank. The second-class card has fewer functions and can be done with several cards.

The type of account I just opened some time ago should have just started in the past few years. There is no limit to the type of account, and there is no upper limit on the deposit amount and withdrawal amount. In the second type of account, the amount of money stored in the card cannot exceed a certain amount, there are restrictions on transfer and daily consumption, and an annual management fee is charged.

The difference between the first and second types of bank cards is that the carrier and function are different, one type must have a physical card, and the second type can have no physical card. The first type can handle deposits and withdrawals, transfers, consumption, etc. The second category cannot deposit or withdraw cash, or transfer money.

The bank card type account has a very complete set of functions. However, you can only apply for one type of card at a bank. The second type of account only has the function of deposit and transfer. And there are certain limits.

The main difference between the first type of card and the second type of card of the bank is that in terms of business, the first type of card has a wide range of business, and the first type of card has a high limit and can be used for a large amount of capital turnover. One type of card is more suitable for young people. Class II cards are mainly used for payments and transactions.

A bank card account is a fully functional account; Bank card type 2 accounts do not support cash deposits and withdrawals, nor do they support transfers to unbonded accounts, and there is a limit on transfers.

The bank's first-class card and second-class card are both debit cards, and the first-class card is full-functional, each person can only have one first-class card in a bank, but the second-class card can have several, and at the same time, the second-class card has a transfer and withdrawal deposit limit, with a daily accumulation of 10,000 and an annual accumulation of 200,000, and it cannot be traded if it is exceeded. However, you can bind the second type of card to the first class card, and it will be much more convenient to understand these when you apply for a card.

The main difference between the first-class bank account and the second-class account is that the first-class account uses more money every day and has more functions.

The amount of money used in the second type of account is relatively small and limited.

That is to say, the functions of the first type of account are relatively comprehensive, while the second type of account will lack some of the functions of the first type of account, and will be subject to some restrictions.

What is the difference between a Type 1 and Type 2 bank card account? The first type of account is a full-featured account that can support access and withdrawal, while the second type of account can only be withdrawn. However, the second type of account can be bound, and the first type of account can be transferred between and to each other.

The bank card is the same for every bank. A type of card and a class II card are both debit cards, a type of card is full-featured, each person can only have a class of cards in a bank, but the type of two cards can have several, at the same time, the class II card has a transfer and withdrawal deposit limit, a daily total of 10,000, an annual total of 200,000, more than the case can not be traded. However, you can bind the second type of card to the first type of card, and you can transfer money to each other without restrictions.

The first type of card is fully functional, each person can only have one type of card in a bank, but the second type of card can have several, at the same time, the second type of card has a transfer and withdrawal deposit limit, a daily total of 10,000, an annual total of 200,000, more than the transaction can not be made.

The first-class bank card account can handle all the bank's business, while the second-class bank card account has many businesses that cannot be handled, and the amount of consumption and transfer is also limited.

There is no restriction on the transaction of bank card funds in the first category, and the transaction of funds in the second type of bank card is less than 10,000 yuan.

1. The second-class account cannot deposit or withdraw cash or transfer money to the unbound account, and the first-class account can;

2. The single-day payment limit for the second-class account is 10,000 yuan, and the first-class account is not limited;

3. The second type of account can handle multiple accounts, while the first type of account can only handle one;

4. When opening an account for the second type of account, the staff of the commercial bank do not need to check the identity on the spot, while the first type of account does.

Everyone's bank card is a type of card, which is an expense. Or maybe the symptom is not that Secretary Qu is too big. The second type of card means that if allowed, there is one that can transfer between 200,000 and 500,000. Such a distinction.

The difference between a type of bank card account and a class II account, and then a type of card and a class of cards, the function of a type of card is comprehensive, while the function of a type of card is restricted, and each person in a bank can only handle a type of card.

Many people don't pay much attention to it when they open an account in the bank, and they don't even know how many types of accounts they are handling, and it is difficult to understand the difference between these types of accounts in this case.

[Hot Introduction]: What does it mean to have Type 1, Type 2 and Type 3 bank accounts?

What is a Type I and Type II account?

Type I accounts, i.e., accounts traditionally opened over the counter, can be used to deposit and withdraw cash, manage money, transfer money, pay bills, make payments, etc. On this basis, in order to facilitate the payment of depositors, Type II and Type III accounts have been added.

Type II accounts can meet the payment needs of direct banks, online wealth management products, etc., cannot deposit or withdraw cash, cannot transfer to unbound accounts, and the maximum daily consumption payment and payment is not more than 10,000 yuan, but the amount of purchase of wealth management products is not limited.

What is the difference between a bank Type I account and a Type II account?

The difference is divided into functional difference and quota difference

The Type I account is relatively comprehensive and has a relatively high security level, but the Type II account cannot deposit or withdraw cash, transfer money to an unbound account, and the maximum daily consumption payment and payment is not more than 10,000, and the functions and amounts are not as good as those of Class I.

The effect of such a provision is to accelerate the phenomenon of deposit diversion, and the distinction in terms of function and quota is also to achieve diversion, in short: such a provision will be more conducive to investment and financial management.

The difference between the second type of bank account and the first type of account: 1. The account positioning is different: the first type of account is the main account of the personal bank account, and the second type of account is more like a portable wallet and an auxiliary account.

2. The functions of the accounts are different: one type of account belongs to the settlement account; Type 2 accounts are non-settlement accounts. 3. The number of accounts that can be opened is different

There can only be one type of account; The second type of account can be handled for more than one.

4. Different restrictions on account consumption: there is almost no limit on the consumption of a type of account, whether the customer is used for large-scale consumption, cash deposit and withdrawal, investment and financial management, daily payment, transfer and collection, and almost all aspects of daily needs can be met; Type 2 accounts are not allowed to deposit and withdraw cash, and there are also restrictions on daily transactions and annual cumulative transaction limits.

5. Different channels for opening an account: one type of account should be opened through the bank counter; The second type of account can be opened through self-service card opening machines, online banking and mobile banking. 6. The account security factor is different: compared with the second type of card, the first class of cards has a higher security factor.

The first type of account is the Orange Bend full-function account, which is a well-known debit card, which can be used for deposits, transfers, consumption payments, purchase investment and wealth management products, and withdraw round and boring cash, etc., and the scope and amount of use are not limited. 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.

Classification of personal accounts.

The personal account of the bank is divided into a personal bank settlement account and a personal payment account.

Personal bank settlement account: Since December 1, 2016, if a bank financial institution opens a bank settlement account for an individual, the same person can only open one type of account in the same bank (with a legal person as the unit), and if a class type of account has been opened, a type two or three account shall be opened if the account is newly opened.

Individual payment account: From December 1, 2016, if a non-bank payment institution opens a payment account for an individual, the same person can only open one type of account in the same payment institution.

Personal bank settlement accounts are divided into one type of personal bank account, two types of personal bank accounts, and three types of personal bank accounts.

The market value of a type of personal bank account provides depositors with deposits, purchase of financial products such as investment and wealth management products, transfers, consumption and payment, cash withdrawals and other services.

The market value of the second-type personal bank account provides depositors with services such as transferring deposits, purchasing financial products such as investment and wealth management products, limiting the amount of consumption and payment, and limiting the transfer of funds to unbound accounts.

The market value of the three types of personal bank accounts provides depositors with a limited amount of consumption and payment, and a limit of transfer of funds to unbound accounts.

In addition to the differences in functions and transfer amounts, the three types of accounts also have different account opening methods.

The first type of account can be opened over the traditional counter, and the bank staff will verify the identity information on the spot through the self-service machine to open the account.

The second type of account can be opened over the counter, without the bank staff on-site verification of identity information of self-service machine account opening and electronic channel account opening.

The three types of accounts can be opened over the counter, self-service machines and electronic channels without on-site verification of identity information by bank staff.