The daily transaction limit of bank cards is 5000 yuan？ Bank response： The specific limit varies from person to person.

Recently, it is reported that banking institutions in Beijing have set a trading limit for Class I accounts, and the daily limit for all non-counter channels is 5,000 yuan, which has aroused widespread concern among netizens. Why is it restricted to use your own money? Is there a quota requirement in Changsha? The reporter conducted a survey today.

The specific limit varies from person to person.

The so-called non-counter channels refer to businesses that are not handled at the bank counter, including online banking, mobile banking, online fast payment, POS machines at sales terminals, ATM machines and third-party payments including Alipay and WeChat.

On February 27th, the reporter used his own bank cards of China Construction Bank, China Merchants Bank and Bank of China, and the three cards transferred RMB 10,000 to each other through mobile banking, all of which could be transferred in and out smoothly, with no restrictions.

"Not all customers have been set a daily trading limit of 5,000 yuan for non-counter channels, and the situation of each customer is different. There are only limited customers in 100 yuan, 1000 yuan and 2,000 yuan, while some customers have trading limits as high as tens of thousands or even hundreds of thousands of yuan. " The staff of a branch of Bank of China in Changsha told the reporter that there are many reasons for customers with low transaction limit, but the main reason is to prevent telecom fraud.

The customer service of Shanghai Pudong Development Bank said that since last year, some customers’ off-counter transactions have been limited, mainly to prevent telecom fraud and ensure the safety of customers’ accounts.

"Customers do have the situation that non-counter channels are limited. The specific limit is determined according to the specific situation of customers. You can find the specific limit of the bank card under your name by searching for’ limit’ through mobile banking." The staff of the Agricultural Bank introduced.

The reporter learned that prime bank has established a set of anti-fraud and anti-money laundering identification systems. Under normal circumstances, the Head Office will push the list in the system, and branches will claim suspicious accounts opened in their own branches, and then conduct manual screening. The disposal methods include not only "reducing the limit of electronic channels", but also "only accepting and not paying" and "enhancing customer identification".

Withdrawal can be made through offline outlets.

A number of bank staff said that if they can’t meet the daily transaction requirements, they can bring their ID cards and bank cards to offline outlets for withdrawal, and a few banks have opened online withdrawal channels.

The staff of the Agricultural Bank told the reporter that if customers need to adjust the quota, they need to bring their ID cards and bank cards to the nearest outlets. The process is not complicated. The bank will ask why it is necessary to adjust the quota as required, and the customer only needs to answer truthfully.

The customer service of China Merchants Bank said that if the cardholder’s off-counter transaction quota is indeed lowered, he can give priority to searching the related functions of "transaction quota" through the mobile banking APP and try to adjust the quota online. If you can’t succeed online, bring your bank card and ID card to the offline outlets.