What bank should retirees choose for their social security cards? Any suggestions?

What bank should retirees choose for their social security cards? Any suggestions? In fact, retirees use social security cards to receive pensions, which has not been implemented in many places. Basically, many people have not opened the financial function on the social security card, so retirement and pension basically need to reopen the bank card.

First, many people seldom use the financial function of social security cards.

On 20 15, when I retired, the financial function bound by my social security card was ICBC before I retired, but after I retired, the pension bank account opened by the social security bureau was also ICBC, but the pension was not sent to the social security card, but a separate bank card was re-opened. So at present, my social security card, like most people, has opened the financial function, but I have never saved money in the social security card, and my pension is still a separate bank card.

Second, the individual basically has no say in which bank the social security card chooses.

What bank should retirees choose for their social security cards? In fact, individuals have no right to choose, generally depending on whether they are banks entrusted by the social security department. For example, for employees in urban units, handling social security cards is coordinated by the human resources department of the unit and the Social Security Bureau, and handled by the social security department and colleagues in the human resources department of the unit according to the participation of the unit. Just like the employer pays employees, the financial basis of the company and the cooperative relationship of banks are to choose the bank with better cooperation as the bank to pay employees' wages. The same is true of banks that issue social security cards. First of all, we should look at the close cooperative relationship between local social security departments, medical insurance departments and banks, and choose the bank with better cooperation with the unit to apply for social security cards among the banks designated by the Social Security Bureau.

Third, flexible employees are generally handled in accordance with the banks designated by the social security department.

If flexible employees apply for insurance, one procedure is to open an account in a bank designated by the Social Security Bureau and sign a withholding agreement. In the future, pension insurance and medical insurance can only be withheld and remitted by banks that have signed withholding agreements. However, endowment insurance and medical insurance are often different from the banks designated by the Social Security Bureau and the Medical Insurance Bureau. In other words, we pay endowment insurance from one bank and medical insurance from another bank. After paying the fee, we can apply for a social security card or not, which also depends on the agreement between the social security bureau, the medical insurance bureau and the bank.

Fourth, rural areas should choose banks with more business outlets.

For retirees living in cities, because there are many bank outlets, it doesn't matter which bank to choose for social security card, because social security card is the function of medical insurance card, but for those who have opened the financial function, of course, banks with many outlets are the best; For people living in rural areas, if they pay pensions through social security cards, they should fully consider the setting of rural financial outlets. At present, there are few financial outlets in many rural areas. Generally, there are only a few banks such as Postal Savings Bank, Agricultural Bank and Rural Commercial Bank, among which rural commercial banks have the most outlets. It is undoubtedly the most convenient to choose rural commercial banks, but it still needs to be decided according to the wishes of the local social security bureau.

To sum up, because many functions of the social security card have not been released, the medical insurance function is the most used one at present. If you want to pay your pension through the financial function on the social security card, then when you apply for the social security card, you need to consider whether it is rural or urban according to the layout of the bank's outlets. Living in the city, as long as there are many outlets of the four major state-owned banks, they can all be used as options; If you live in rural areas, you'd better choose rural commercial banks or postal banks. Other banks have few outlets in rural areas.

For the social security card of retirees, if you can choose a bank, you must choose four major banks, and it is best to choose a branch close to home, so it may be more convenient to handle related business in the future.

1, select four state-owned banks.

If you retire, it may be better to choose the four major state-owned banks for the following reasons.

First of all, the four major state-owned banks have huge assets and sound operations, which may be more trustworthy and reassuring.

Second, the four major state-owned banks have many business outlets, so it may be more convenient to handle business. And if you live in a different place after retirement, the four major banks have many outlets all over the country, so it may be more convenient to have social security cards for the four major banks.

Third, the four major state-owned banks have many wealth management products, which may be conducive to better financial management.

Therefore, if retirees can choose social security card banks, it may be better to choose the four major state-owned banks.

2. Try to choose the four major banks close to home.

If you retire, you may be getting older and you may not be able to walk far, so it may be more convenient to choose the four major state-owned banks close to home.

Physical fitness will gradually decline after retirement. If the bank is close to home, it is more convenient to withdraw money or apply for deposits, and you can go back quickly without spending more physical strength.

Therefore, if you retire, you can choose a social security card bank, and you can choose a bank closer to home, so it may be more convenient to handle business in the future.

3. Conclusion

To sum up, if you can choose a social security card after retirement, you can choose the social security cards of the four major state-owned banks, and it is best to choose the social security cards of the business departments of the four major banks close to home, so that it may be more convenient to handle business in the future.

Social security card, also known as social security card, includes medical insurance card, pension payment, information registration and other functions 102.

For retirees, the most commonly used functions are medical insurance and pension collection.

If it is a medical insurance card personal account to buy medicine, this has nothing to do with the bank. Personal account of medical insurance card is specially recorded by social security system. No matter which bank you run, the social security card will eventually access the social security system and connect with the medical insurance data, including hospitalization reimbursement and outpatient medication.

The pension collection function is mainly extracted from the bank's financial account. Since there is a charge for cross-bank withdrawal, it is better to go to the bank to withdraw money. In addition, if the social security card is not lost in custody, you must go to the corresponding bank to report the loss, so give priority to the bank close to home.

Of course, it is increasingly unnecessary for banks to withdraw money. As our financial services become more and more advanced, many functions can be operated by mobile phones. For example, after our pension is issued, we can transfer it to a money fund like Yu 'ebao at any time through mobile banking for small change financing.

Especially now, mobile phone consumption is becoming more and more convenient, many elderly people have mastered this skill, and people are less and less dependent on banks. My father-in-law is almost 70 years old, and now he is very skilled in paying by mobile phone WeChat.

Regarding the loss reporting of medical insurance cards, in fact, the human and social departments are now promoting electronic social security cards. The electronic social security card and the second-generation social security card are in one-to-one correspondence, and can be bound to WeChat or Alipay accounts to completely eliminate the hidden danger of loss.

Just like one of my bank cards, I couldn't find it for seven or eight years. Because mobile banking and online banking are combined, they work normally.

So retirees don't need to worry too much about social security cards. As long as you are familiar with the operation of mobile phones, any bank can.

Crazy for 67 years.

What bank should retirees choose for their social security cards? This depends on different situations. Retirees with units have fewer choices, while those without units have more choices, but all of them should be based on convenience.

Why do retirees in some units have little choice? Because when employees retire, social security cards are generally handled directly by the unit, and all retirement procedures are completed by the personnel department of the unit. Retirees are basically waiting to receive pensions, and nothing happens. Generally, the company handles social security cards in the company's corporate account bank, because the withholding agreement has been signed for the daily employees' five insurances and one gold, and the account opening bank and withholding account have been specified, so the management of the company is also very convenient. For example, if the withholding is originally ICBC, it will not go to the Agricultural Bank of China to apply for social security cards. Generally, it will be handled at ICBC, so some employees are less selective.

In this case, if the cardholder (retiree) finds it inconvenient to receive pension or deposit wealth management, he can only cancel the social security card issued by the original unit, then re-open an account in his favorite bank, and then go to the social security agency to re-record the pension payment account. According to the relevant regulations of social security, this is allowed. In order to solve the practical problems of the masses, such as being too far away from the bank or moving to live, retirees can change the pension issuing bank, but there are many procedures.

Retirees without units mainly refer to flexible employees and individual urban and rural residents. Generally, they apply for social security cards themselves, and there is no uniform requirement. Therefore, as long as you think which bank is convenient and the service quality is good, you can choose it at will, whichever is convenient for you. After completing the formalities, just go to the social security agency to record the pension payment account. However, for flexible employees and urban and rural residents, the bank of account is generally determined when paying pension and medical insurance. When retiring, social security agencies will generally issue pensions according to their original accounts. Therefore, if you feel that it is inconvenient to receive a pension, you must change the bank in advance and re-file.

The convenience of social security cards mainly includes several aspects:

First, it is convenient to collect, mainly because it is close to home, without going too far, with good service quality and high efficiency.

The second is to facilitate deposits and financial management. Because retired old people also have a balance, there is also a demand for deposit financing, and different bank deposit interest rates are different, and the wealth of wealth management products is different. Generally speaking, the deposit interest rate of small banks is higher, while the wealth management products of big banks are more abundant, and there are savings bonds, which have a large choice and high comprehensive cost performance, so you can sit in the right place.

The third is to facilitate settlement and payment, including online and offline payment and settlement. For example, elderly people who like to travel often need to withdraw money from different places, so big banks are more convenient, have a wide coverage and do not charge fees; However, small banks do not have this advantage. Not only do they have inter-bank fees, but some small bank debit cards can't be bound to WeChat Alipay, which is sometimes inconvenient.

So there is no absolute bank to choose the social security card for retirees. Different people have different needs and purposes, but as long as it suits them, it is the best.

Retirees cannot choose their own banks for their social security cards. When the Social Security Bureau issues social security cards, it requires everyone to issue cards and activate banks. So, you don't have to worry about which bank you choose. Now the pension has not been credited to the social security card. After the pension is credited to the social security card, it can be withdrawn at any state-owned bank without handling fees.

I have retired for more than twenty years. I had already selected a bank when my company issued me a card. When I paid my salary, the bank told me that I could exchange a new generation card at the bank where I paid my salary. It is very quick and convenient to change the second generation card. You can go to many banks when you change. About eight of them are eligible to change their cards on the spot. I think being close to home is a good thing. After changing the card, you can get paid at the ATMs of these eight banks, which is more convenient to bind Alipay. I don't have to go to the bank anymore,

It is best to choose a bank close to home, because it is more convenient to receive a pension.

Hello, everyone, I am a social security expert. What bank should retirees choose for their social security cards? Any suggestions?

In some places, you can't choose a social security card issuing bank, because it is a designated bank and you can only go to a designated bank outlet to apply for a social security card.

Of course, some places can choose a bank, provided that the bank cooperates with the social security agency and is one of several social security card issuing banks designated by the social security agency.

In the future, pensions will be paid through social security cards. For retirees, it is best to choose a bank close to home.

It is more convenient for banks close to home to withdraw pensions.

According to the requirements of "Notice of General Office of Ministry of Human Resources and Social Security on Optimizing Management Services for Compressing the Development Cycle of Social Security Cards" recently released by Ministry of Human Resources and Social Security website, the pension insurance benefits will be fully realized by the end of 20 19.

This notice requires that recipients of new pension insurance benefits pay in full through social security cards; For those previously distributed through other channels, they will be gradually converted into social security cards at the end of 20 19 based on the principle of facilitating the people and benefiting the people.

Therefore, because many elderly retirees are used to going to the bank to withdraw money after the pension is paid, they still have to choose a bank close to home, which is closer and more convenient to withdraw the pension.

Need to remind everyone that social security cards receive pensions only if the financial function of social security cards is activated.

The social security card issued now has financial functions. After the financial function is activated, the social security card can be used as a bank card. In fact, e-banking and mobile banking can also be opened and operated through mobile phones, so it doesn't matter which bank you choose.

The business card printing cycle of social security card will be greatly shortened.

Besides, I have a good news for you. According to the above notice of Ministry of Human Resources and Social Security, the time limit for applying for social security cards will be greatly shortened.

Before applying for a social security card, it may take several months, which is very long and inconvenient. According to the requirements of the Notice, the batch production cycle is reduced to less than 30 working days, and sporadic production is gradually realized.

At the end of 20 19, when social security cards were distributed in batches, the period from accepting applications to receiving notifications was generally shortened from the current 2-3 months to less than 30 working days.

By the end of 20 19, relying on fast card issuing outlets, the sporadic card issuing period of social security cards will be compressed to less than 5 working days; By the end of 2020, more than 70% of districts and counties will be scattered, achieving "equal priority".

More social security issues, pay attention to your thoughts. If you want to ask about social security, please click on my avatar and click on the circle at the bottom left of the screen to join.

Hello, landlord, which bank should I choose for the social security card of retirees? Any suggestions? On this issue, in fact, the issuance of social security cards is not handled before you retire, but can be handled normally a few years before you retire, because we are handling the renewal of the second-generation social security cards, probably on 20 15, so as long as people retire on 20 15, they are basically treated as pensions. Will be distributed to your social security card.

So what kind of bank you choose depends on your region, because a region will cooperate with 2~3 banks, so it depends on your urban area, for example. You are an on-the-job employee of an enterprise, so your area basically handles social security cards for on-the-job employees of the enterprise according to China Industrial and Commercial Bank, so you have no choice but to choose China Industrial and Commercial Bank according to the corresponding regulations.

What kind of bank is the social security card, in fact, it has no effect on our pension. Because many banks now say that there may be a big handling fee for cross-bank withdrawal, you can actually transfer to the bank you want through mobile banking transfer, because mobile banking transfer is also completely free, so in this case, it is very convenient for any bank to give you pension benefits.

Thanks for reading, please add my attention.

Youyou's original salary line, I suggest the new social security card do the same. Promote money interaction. If necessary, let the two lines interact in cash.

I am from the Agricultural Bank of China, and the social security card is also from the Agricultural Bank of China. When the medical insurance money is used up, it will be transferred to the medical insurance card on the ABC salary card. To go to another bank, you have to pay cash for medical insurance.

One thing is clear: the annual medical insurance money can only be used for medical care. This money has a single function. For example, the money transferred from the salary card can be used for both purposes. Shopping, pharmacy, old age card and colleagues. This is very convenient. Now both companies have UnionPay function. I am from the Agricultural Bank of China. Two or three thousand bound mobile phones are put in the new social security card, so you won't bring money when you go out. Pay by phone with money. And both wechat and AliPay have it. I don't know what friends think!