How to calculate interest on the money in the social security card?

The calculation method of monetary interest of social security card mainly depends on the type of funds.

For the funds in the social security personal account, the interest calculation follows certain regulations. Every year, the social security agency will calculate the personal account interest according to the bookkeeping amount of the personal account in the previous year and the storage amount of the personal account in the current year, and include it in the personal account. This interest period is usually 65438+ 10 month 1 to 65438+February 3 1. The bookkeeping interest rate of personal account cannot be lower than the bank time deposit interest rate, which is the legal lower limit of our country. The specific interest rate shall be set by the national social security department or relevant institutions, and adjusted according to the economic situation and social security fund. In addition, the funds in bank accounts in social security cards (such as ICBC social security cards) can also generate interest. The interest calculation of these funds is related to the deposit interest rate of the bank. For example, the annual interest rate of bank demand deposits is 0.35%, and the annual interest rate of deposits of 100 yuan is only 0.35 yuan; But if it is fixed in the card, the annual interest rate may be 2.25%. In addition, some banks may also provide preferential deposit rates for social security card customers, such as ICBC's social security card exclusive deposits, with a one-year interest rate of 2%.

The query method of social security card account balance is as follows:

1, medical insurance designated pharmacies and hospitals. The insured person can directly hold the social security card to the designated pharmacy or hospital for medical insurance. Generally, when using social security cards for consumption, you can see the balance of social security cards on the small tickets issued by designated pharmacies or hospitals;

2. Service hotline inquiry. Call the service hotline 12333, and then follow the voice prompts to check the balance of the social security card account;

3, social security website query. Nowadays, social security bureaus in many cities have their own websites. The insured person needs to log in to the local social security network, and then can check the account balance on the social security details page.

To sum up, the monetary interest calculation method of social security card is mainly influenced by the bookkeeping interest rate of social security personal account and the bank deposit interest rate. In order to protect their own rights and interests, the insured should ensure the timely payment of social insurance premiums and pay attention to the changes in personal account funds.

Legal basis:

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

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Employers and individuals pay social insurance premiums according to law. The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.