Starting from March 1, 2022, deposits and withdrawals from banks, with more than 50,000 cash, banks need to investigate factors such as customer characteristics, business relationship, transaction purpose, transaction nature, fund source and use. So many friends asked me a variety of questions.
A friend asked me, withdraws money from the ATM machine, how much can I withdraw in a day? If it exceeds 50,000, do I need to register and review?
Let me answer, ATM self-service equipment cash withdrawal limit: domestic UnionPay online withdrawal, each card is limited to 10 withdrawals per day, the cumulative daily maximum limit is RMB 20,000, and the maximum withdrawal amount is generally 5,000 yuan. The cash withdrawal on ATM is based on 100 yuan.
That is to say, on the ATM machine, a personal single card can withdraw up to 20,000 yuan a day. After withdrawing 20,000 yuan, even if you change to the bank's ATM, you will not be able to withdraw the money from this card.
At present, the ATM machine does not support the registration function, nor does it support a single withdrawal of more than 50,000 yuan per day, but the trading system can monitor our transaction records.
What if you continue to withdraw money with another card?
has only one Class I card in each bank. If there is a second debit card from the same bank, it is a Class II or Three card. For example, the withdrawal of Class II card cannot exceed 10,000 yuan per day. That is to say, through the ATM machine, a single bank can only withdraw at most 30,000 yuan.
What if you continue to withdraw the bank card of another bank?
Normally, you can withdraw another 20,000 yuan. Maybe you can withdraw 50,000 yuan in the end, but if you withdraw money at such a high frequency within a day, your withdrawal record has been uploaded to the trading system. If the system determines that it is an abnormal transaction, the bank card is at risk of being stolen and the account will be frozen urgently. Protect the property safety of depositors in a timely manner.
What if you transfer to someone else’s account and then get it?
transfer the money to the account of a family member or friend to continue to withdraw it. Then the remaining 30,000 yuan will require at least 6 transactions. With someone else's card, the ATM will also have an automatic alarm function. If it is determined that it is suspected of stealing and the alarm function is activated, it is still quite troublesome.
Central Bank explained in the document that the reason why cash deposits and withdrawals of more than 50,000 yuan need to be registered and reviewed is that is to combat money laundering and terrorist financing. has no big impact on the deposit and withdrawal business of our ordinary depositors.
We just need to ensure that our funds are reasonable and legal. When depositing and withdrawing funds, register and explain the specific purpose.
was originally a very simple thing to withdraw cash, so there was no need to make it too complicated. It was really unnecessary to withdraw multiple transactions at the ATM and transfer money. In addition, it might cause unnecessary trouble.
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