Jimu News Reporter Chen Hong
Jimu News Reporter learned from the Bank of China website that Bank of China will adjust the ATM QR code deposit service starting from August 29, 2022. After the adjustment, the ATM card-free scanning code deposit function will be stopped. You can still use the Bank of China to apply for ATM deposits or go to the Bank of China business outlets to handle deposit business.
Bank of China announcement
reporter noticed that on August 15, China Construction Bank also issued an announcement on the suspension of ATM QR code deposit business. CCB said that the ATM QR code deposit function will be closed from August 19, 2022. After that, CCB customers can still use the bank's bank card, choose the bank's no card and no discount deposit service, or enable the "face swiping" service function to handle ATM deposit business.
With the popularity of mobile banking and QR code payment, many commercial banks have added the function of scanning codes to deposit. The reporter visited the banks and learned that in addition to Bank of China and China Construction Bank, some banks still retain this function. In a self-service bank of a joint-stock bank, the reporter saw on the ATM that the QR code for scanning the code to deposit and withdraw money is very conspicuously located on the main page. After the reporter opened the mobile banking and scanned the QR code, his bank card and account balance information appeared, and there was an explanation of the current depositable amount. The reporter put cash notes on the ATM and press the confirm button to complete the deposit operation.
In fact, in addition to scanning code deposit and withdrawal functions, ATM also has functions such as face-scanning withdrawal and mobile phone payment withdrawal. An account manager of a commercial bank said that due to the rapid development of bank online business, the ATM QR code deposit function is not used frequently. Moreover, with the introduction of more convenient methods such as "face scanning" deposits and withdrawals, this function has begun to appear a bit "unspark".
Dean of Zero One Research Institute Yu Baicheng also told reporters that the ATM QR code deposit function is a way to deposit without a card. Turning off this function does not mean the cancellation of the cardless deposit function. The bank also retains methods such as "face swiping" and "face swiping withdrawal", which should be the natural result of technology and service upgrades.
"I rarely use the function of scanning code deposit and withdrawal. In the past, I used to bring bank card deposit and withdrawal. Later, with the use of scanning code payment, I rarely brought my bank card to travel. Once I wanted to withdraw cash, but I didn't bring my bank card. I have experienced face-scanning and withdrawal on ATMs." Ms. Li, who works in Wuchang , told reporters that the frequency of using ATMs is not high now.
As the launch of ATMs continues to decrease, the data from the "Overall Situation of Payment System Operation in the First Quarter of 2022" previously released by the Central Bank of shows that as of the end of the first quarter of this year, there were 936,700 ATMs, a decrease of 11,100 from the end of the previous quarter. Yu Baicheng, director of Zero One Research Institute, said that it is expected that banks may further reduce the functions that are less frequently used on ATMs in the future.
(Source: Jimu News)
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