My Guangzhou social security card shows that both the bank card and the medical insurance account are second-class bank cards? If you don't have a bank card, you can also give it a second class?

Guangzhou social security card shows that bank cards and medical insurance card accounts are second-class bank cards. Now it is generally a second-class bank card. The main difference between a bank card and a bank card is that

A class of bank cards, that is, a class of settlement accounts and full-function accounts, have no restrictions on the scope of use, amount of use and account balance.

Second-class bank cards, namely second-class settlement accounts and convenient wealth management accounts, can be used for investment, transfer, consumption and payment, but there is a limit of "10000 yuan per day and 200,000 yuan per year".

There are also three kinds of settlement accounts, namely "coin purse" accounts, which can only make small consumption and payment in daily life. Not only is there a limit to the amount used, but even the account balance has an upper limit of "up to 2000".

For users, it may be intuitive to distinguish account types with bank cards; But for banks, it is distinguished by accounts.

Whether it is a passbook, a bank card or an electronic account, it seems to a bank that it corresponds to a settlement account.

Therefore, the statement of a type of bank card and a type of bank card is not particularly accurate; The accurate names in the industry should be primary settlement account and secondary settlement account. Classification requirements for settlement accounts

According to the notice issued by the central bank at the end of 20 16, there are three main requirements for the management of settlement accounts:

Each commercial bank is only allowed to open a primary settlement account for the same customer, and other newly opened settlement accounts can only be secondary or tertiary settlement accounts.

To open a first-level settlement account, physical media must be used as a carrier and confirmed by the bank counter staff in person.

The first-level settlement account that has been opened will not be affected and will not be downgraded.

That is to say, a card or passbook opened by a user before 20 16 is a settlement account even if it is opened in the same bank. You can use as much as you want, as long as there is one in the card.

But if you want to open a new bank card, it depends on whether the user already has an account in this bank. If there is already a primary account, then the newly opened account can only be a secondary settlement account with limited scope and quota.

In addition:

A first-class account must have a physical card or passbook, and a second-class account can be a bank card or an electronic account.

Class I accounts must be opened at the counter, and Class II accounts can be opened through self-service channels.