为了提升大家的个人账户安全，央行最近下狠招，从12月1日起又又又有新规了！这些新规将直接影响到你发工资、存取钱、转账、消费......
From December 1 on, new rules will be carried out by China's central bank. It's for sure that any of us holding bank accounts at any local Chinese banks are concerned.
请大家一定要仔细阅读……
Let's take a look at details of the new changes below.
1
个人银行账户实行分类管理，分为Ⅰ类、Ⅱ类、Ⅲ类账户，不同类别的账户有不同的功能和权限。每人在同一家银行只能开立一个Ⅰ类户，如果已经有Ⅰ类户的，再开户时只能是Ⅱ、Ⅲ类账户。
Individuals who open a bank account can have only one type Ⅰ account. If you want to open a new one at the same bank, it can only be type Ⅱ or Ⅲ.
账户级别的不同，也意味着功能和额度的差异。那么什么是Ⅰ、Ⅱ、Ⅲ类账户呢?
What are type Ⅰ, Ⅱ, Ⅲ accounts?
Ⅰ类户
Ⅰ类户是全功能账户，可以办理存款、转账、消费缴费、购买投资理财产品等，使用范围和金额不受限制。
Ⅱ类户
Ⅱ类户资金来源于Ⅰ类户，可以办理存款、购买银行投资理财产品、消费缴费等。
Ⅲ类户
Ⅲ类户主要用于网络支付、线下手机支付等小额支付，可以办理消费缴费。
Ⅱ、Ⅲ类户具有有限功能，且需要与Ⅰ类户绑定使用。（Ⅰ、Ⅱ、Ⅲ类账户，到底怎么用？点击文章下方“阅读原文“，将有更详细解释）
Type Ⅰ is "coffers".
With complete functions, it is mainly for large consumption, large and unlimited capital flows , savings deposits and investment banking.
Type Ⅱ is "wallet"
It can be used for financial management, flexibly transferred from accountⅠto its capital, both meeting the daily use, and avoiding large losses of funds.
Type Ⅲ is " coin wallet".
The balance shall not exceed 1000 rmb, suitable for binding payment accounts, WeChat accounts, convenient and safe.
AccountⅡ, Ⅲ must be connected with account I to use.
简单说，12月1日之前在银行开立的普通借记卡和储蓄存折，不管你手上有多少张，都是Ⅰ类账户，Ⅰ类账户现在具备的功能，新规实施后依然都具备。但12月1日起，在同一银行只能保留一个Ⅰ类账户。
Cards applied at the same bank before are still valid, but new application of the same type will not be allowed.
2
取消同行异地存取款、转账手续费
央行规定，银行对本银行行内异地存取现、转账等业务，收取异地手续费的，应当自9月30日起三个月内实现免费。
Transfer fee, deposit and withdraw fee of trans-regional transaction from the same bank are cancelled.
也就是说，以后不管在哪个地方办的卡，在全国各地跑，同行取钱都不用手续费啦！省下的可是一笔“真金白银”啊！
For example, if you want to withdraw money in Guangzhou at the same bank with your Yiwu bank card, there will be no extra fee!
3
银行卡半年不用，会被冻结！
如果你的银行卡超过半年没用，就会被冻结，需要去银行前台“解冻”！
Non-counter business of dead account, of which transaction was made 6 months before will be suspended.
在央行出台的新规中，还规定对开户之日起6个月内无交易记录的账户，银行应当暂停非柜面业务，支付机构应当暂停所有业务，待单位和个人重新向银行和支付机构核实身份后，方可恢复业务。
If your bank card has been unused for more than half a year, it will be blocked. You need to go to the bank counter to unblock it.
4
ATM转账24小时内可撤销
Bank transfer can be recalled.
以后到银行或支付机构转账时，你需在以下三种转账方式中选择一种：实时到账、普通到账、次日到账。
When transferring money, you need to choose among 3 different ways: real-time receiving, normal receiving and next-day receiving.
但是，如果是在ATM机上转账的话，不管是转给别人还是转到自己的其他银行账户里，都要在24小时后才能到账。在24小时内，假如你反悔了或者转错账户了，可以向银行申请撤销转款~
不过，做生意的人可要小心啦！以后如果在生意上有资金的往来，一定要在24小时收到钱款后，才把货物给对方！不然要小心赔了夫人又折兵啦~
But if you transfer money at ATM, money will be reveived by the other side only after 24 hours. That means you have a chance to recall your transfer if you need to.
如果你身边的朋友还不知道这些新规定，赶紧告诉他们哦！
Tell your friends about this important news!
If you have any problem,
please contact SKY GIRL
🔽
