Attention! New Policy on Bank Account & Mobile Payment!
① Only one type Ⅲ bank account is allowed to be bound up with mobile payment account individually.
② Only one type Ⅱ account and 5 type Ⅲ bank accounts at most are allowed for individual.
③ The allowable account balance has been increased by 2,000RMB, and daily accumulative spending amount has been decreased by 2,000RMB.
About Bank Account
According to PBC, since December 1, 2015, only one type I bank account is allowable for one person in one bank. And for those who have already owned the type I bank accounts, they should open type Ⅱ or Ⅲ bank accounts instead.
How to distinguish the mentioned
three types of bank accounts?
Generally, they are just like cashbox, wallet and coin case successively.
Simplified formalities for opening
type Ⅱ&Ⅲ bank account
According to the latest notice of PBC, type II & III account should be opened via counter, online bank, mobile bank, direct bank and ATM with remote video of all banks in China within this year.
Moreover, there are alternative ways to open bank account ↓↓↓
Optimize type Ⅱ & Ⅲ bank account
The policy stipulates that each person is allowed to open only 5 type II or III accounts at most in the same bank.
And it is suggested that typeⅡ&Ⅲ account should be used to online payment and mobile payment, concerning daily consumption, paying bills and top up.
Account without transaction
record for a half year
In accordance with PBC, account without transaction record for a half year will not be accessible to payment via electronic channel until the account is re-identified by the bank.
Phone number should be
correspondent with
identification information
Phone number bound up with the account should be the same as the number registered in the identification card. That means, each phone number should be authenticated by only one real name.
POS machine is forbidden
to be sold online
POS machine, MPOS and MIS-POS are forbidden to be sold online. Further more, the location of payment via POS will be under strict supervision.
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Ref: People.cn
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