How to open a personal pension account

Two steps, first open a personal pension account, and then open a personal pension fund account, note that you need two accounts.

Individual pension accounts are opened through the national social insurance public **** service platform, the national social service platform, electronic social security card, "palm 12333 App" and other national unified online service portal or commercial banks and other channels;

Individual pension fund accounts need to be opened through commercial banks Personal Pension Funding Account.

1. Take "e-Social Security Card" as an example to open a personal pension account

Steps: Download the "e-Social Security Card" app through the App Store, click "Services", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", "Personal Pension Account", and so on. and click on "Services" and "Personal Pension Account Opening" to open a personal pension account.

2. Take "Postal Savings Bank" as an example, open a personal pension fund account

Download and log in to the "Postal Savings Bank" APP, click on "Investment and Wealth Management" in turn, "Then follow the prompts to operate.

3. Commercial Banks' Personal Pension Inquiries

Steps: Download the "e-Social Security Card" app from the App Store, click on "Services" and "Bank Personal Pension Inquiries" to learn more about each bank's personal pension program. Click on "Services", "Bank Personal Pension Enquiry" to learn about the opening status of each bank, which will be updated dynamically.

The first batch of financial institutions to start personal pension business includes 6 large state-owned commercial banks, 12 joint-stock banks, 5 city commercial banks, 11 wealth management companies, 14 securities companies, 7 independent fund sales organizations and 6 insurance companies; specific information can also be found through the "e-Social Security Card" app. app.

Personal pension accounts are closed and cannot be withdrawn in advance. According to the Interim Measures for the Management of Personal Pension Businesses of Commercial Banks and Wealth Management Companies (Draft for Public Comments), commercial banks are exempted from charging annual fees, account management fees, text message fees, and transfer fees for fund accounts.

Legal basis

The General Office of the State Council issued the Opinions on Promoting the Development of Personal Pensions (hereinafter referred to as "Opinions"), according to which, as long as there is a social security, including the rural New Farmers Cooperative, New Farmers Insurance, you can save a personal pension, with a limit of 12,000 yuan.