Can the social security card of rural credit cooperatives be used as a bank card?

Whether the social security card of rural credit cooperatives can be used as a bank card depends on the specific function of the card.

Different types of social security cards have different ways of using them. A separate social security card is limited to matters related to social security. Social security card can be divided into medical insurance personal account and bank account when it integrates the function of bank card. The funds in the personal account of medical insurance are only used to pay for outpatient expenses and buy medicines in designated hospitals. The funds in the bank account can be used normally at the ATM. Whether the social security card can be used as a bank card depends on whether it has the function of a bank card.

The financial function of social security card;

1. Social security card as a financial payment tool: Social security cards usually have the financial function of being embedded in bank cards, and cardholders can make daily consumption payments and transfer remittances through social security cards;

2. Binding the social security card with the bank account: the social security card can be associated with the cardholder's bank account to realize the payment of social security benefits and direct settlement of medical expenses;

3. Cash withdrawal function of social security card: On the social security card with financial function, the cardholder can withdraw cash at the bank ATM;

4. Deposit function of social security card: the cardholder can deposit funds into the bank account bound to the social security card to save funds;

5. Online banking application of social security card: If the social security card supports online banking function, the cardholder can conduct account management and financial transactions through the Internet.

To sum up, whether the social security card of rural credit cooperatives can be used as a bank card mainly depends on the function of the card. If the social security card integrates the function of bank account, it can be used normally at ATM, otherwise it is limited to social security-related affairs and designated medical payment of medical insurance personal account.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.