What is the difference between a postal bank card category 1 card and category 2 card?

The difference between the Postal Bank Card Type I and Type II cards mainly lies in the amount of transfer and consumption.

The difference between the three types of accounts

(a) Type I accounts can provide services such as deposits, purchase of financial products such as investment and wealth management products, transfers, consumption and bill payment, and cash withdrawals; the quota is the largest inside the three types of accounts, depending on the encryption method opened.

(2) Class II accounts can handle deposits, purchase investment products and other financial products, limit consumption and bill payment, limit to the non-binding account to transfer funds business, etc.; by the bank counter, self-service equipment to the bank staff to confirm the identity of the face-to-face on-site, the Class II account can also be handled by the access to cash, non-binding account funds transfer business, you can be assigned to the physical card of the bank card. Among them, the Ⅱ type of household non-binding account transfer funds, deposit cash daily cumulative limit of 10,000 yuan, the annual cumulative limit of 200,000 yuan; consumption and payment of fees, to the non-binding account transfer funds, take out the cash daily cumulative limit of 10,000 yuan, the annual cumulative limit of 200,000 yuan.

(3) Class III accounts can handle limit consumption and bill payment, limit transferring funds to and from non-binding accounts, etc.; the account balance of Class III accounts shall not exceed RMB 2,000 at any point in time; the cumulative limit of transferring funds to and from non-binding accounts is RMB 5,000 per day, and the yearly cumulative limit is RMB 100,000; the daily cumulative limit of consumption and payment of bills, and the yearly cumulative limit of transferring funds from and to non-binding accounts is RMB 2,000 in total, and the yearly cumulative limit is RMB 50,000 in total. The total accumulated limit is 50,000 yuan per year.

Through electronic channels, non-face-to-face for individuals to open two types of accounts, should be verified to the tied account bank account holder for the class of accounts and tied accounts opened by the same person and tied accounts for a class of accounts or credit card accounts, third-party institutions can only be used as a verification of the information transmission channel. Verification of information should include at least the name of the account applicant, resident identity card number? Code, cell phone number, bound account number (card number), bound account for a class of households or credit card accounts and other five elements. The credit card account and other five elements.

Customers can choose to open a suitable type of bank settlement account according to actual needs, and with the provision of information required to open an account, the Bank for different types of customers and risk characteristics agreed to open the appropriate function and amount of funds for personal bank settlement accounts.

The same customer can only open a Class I account at the Postal Savings Bank, and the number of Class II and Class III accounts shall not exceed five respectively in principle.