How to distinguish two accounts of social security card?

The two accounts of social security card are divided as follows:

1. The social security card has two accounts, namely the social security account and the financial account.

2. Social security account: it is a special account for cardholders to enjoy basic medical insurance for urban workers. The account has no transfer or cash withdrawal function, and the cardholder can only use the card on the special equipment set up by the designated medical institution.

3. Financial account: it is an account where cardholders receive pension, unemployment, work injury and maternity insurance benefits, and it can also be used as an account where employers pay wages or individuals pay insurance benefits. The above funds can be withdrawn. In other words, this wealth management account is actually an ordinary savings card account.

General social security payment base:

The social security payment base is generally based on my salary income in the previous year.

1. If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be the payment base;

2. If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the payment base;

3, the employee's salary is between 300% and 60%, according to the actual declaration. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.

To sum up, it is necessary to check the balance and transaction records of the two accounts regularly to ensure the security of the accounts. At the same time, pay attention to the rational use of account funds, abide by relevant regulations, and avoid illegal operations.

Legal basis:

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

Article 4

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