Can social security cards be used as second-class cards?

Legal analysis: social security cards can be second-class cards. Second-class accounts can meet the payment needs of direct banking and online wealth management products, but they cannot access cash or transfer money to unbound accounts. In addition, the maximum amount of consumption payment and payment cannot exceed 6,543,800 yuan per day. Generally speaking, the second-class card does not support businesses such as signing personal agreement transfer, signing designated payee agreement, third-party depository, bank insurance, bank-securities transfer, bank transfer, foreign exchange firm transaction, foreign currency deposit and withdrawal, electronic cash account, easy consumption turnover, POS merchant settlement account, etc.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.