Is there a difference between ICBC social security card and bank card?

What's the difference between social security card and bank card?

1, account functions are different.

As a financial payment and settlement medium, bank cards (debit cards) only have simple financial accounts, which belong to single-account cards; Social security card belongs to composite account card, and there are not only financial accounts but also social security accounts in the medium.

Finally, in terms of functions, bank cards can only handle financial services, while social security cards have functions such as social security registration, pension collection, payment, social security information inquiry and medical insurance reimbursement in addition to financial services.

2. The application procedures are different.

Bank cards can be handled directly at bank outlets and can be activated normally. The social security card needs to print social security information in the social security agency first, then apply to the bank, and finally be made by the social security agency. Generally, you can't pick up the card on site, and you need to activate it before you can use it normally.

3. The fee concessions are different.

Bank cards generally have a card opening fee and an annual fee, and there are small account management fees if the average daily deposit is below a certain amount; Now the social security card is still in the promotion period, which not only exempts the production cost and annual fee, but also has a large account management fee. However, the loss reporting fee of social security cards is generally higher than that of bank cards, because the cost of social security cards is higher.

What are the common functions of social security cards?

1, electronic certificate: the social security card can be used as the cardholder's electronic certificate, and the cardholder can handle social security business and enjoy social security services with the social security card;

2. Self-service inquiry: Cardholders can inquire personal basic information, social security information, government affairs information, human resources information, etc. On the related system of social security card:

3. Medical settlement: Social security cards can be used in different places or locally. Cardholders' medical expenses in hospitals and drugs purchased in pharmacies can be reimbursed and settled by social security cards;

4. Welfare collection: Cardholders can use social security cards to receive state subsidies and social security benefits, and can also pay various talent examinations and social security fees through social security cards;

5. Financial transactions: Social security cards also include some financial services of banks, such as savings, withdrawals, transfers and consumption.

Legal basis:

Article 5 of the Measures for the Administration of Social Security Cards of the People's Republic of China: Provincial human resources and social security departments or municipal human resources and social security departments may issue social security cards with the approval of Ministry of Human Resources and Social Security. No other institution or organization may issue social security cards.

Article 6 The areas where social security cards are issued (hereinafter referred to as card-issuing areas) shall establish standardized human resources and social security business processes with strong comprehensive coordination among businesses, so as to ensure the effective application of social security cards. At the same time, it shall also meet the following technical conditions:

(a) to establish a business management system, database and information network suitable for the use of social security cards;

(two) have the technical force to support the management and application of social security cards, including personnel and equipment, and be able to quickly complete the system layout of social security card applications;

(3) Formulating standardized and feasible implementation plans, including application design plans, cost solutions, information collection plans and specific distribution plans;

(four) to establish a scientific and perfect social security card issuance management system and clear internal control procedures, and formulate emergency plans;

(5) Other conditions stipulated by Ministry of Human Resources and Social Security.