Recently, WeChat Wallet launched a blockbuster product-Internet bank deposits. Many users have come to ask, is this wealth management product reliable? What are the benefits? Today I will focus on talking about this product with you.
WeChat wallet is online Bank savings
It is understood that bank savings are deposit products provided by banks on WeChat. Users can open a bank deposit account on WeChat, deposit funds directly into the account, and the bank deposits and distributes interest without going to the bank counter.
At present, in the WeChat bank savings page, only ICBC deposits this product.
The user agrees that the "ICBC fixed deposit related agreement" can open ICBC deposit account free of charge and choose to deposit the deposit. The three-year interest rate is 3.85%, which is available at any time, but early withdrawal will affect part of the income.
That is to say, with this product, users can make deposits through WeChat, and do not need to jump to the Industrial and Commercial Bank of China, and do not need to go to business outlets.
Currently, the product can be withdrawn at any time, even if it is not due, there will be interest. At present, the opening, deposit and transfer of the WeChat bank savings function are free, and no service fee is charged.
What is the income of 100,000 yuan per day?
Currently, there is only one ICBC bank deposit product on WeChat. Clicking on bank deposit will jump to ICBC deposit product.
After users activate this product, they can deposit through WeChat. The interest rate for WeChat bank deposits for 7 days is about 1.10%, the interest rate for one-year deposits is about 2.10%, and the interest rate for three-year deposits is about 3.85%. .
What is the three-year 3.85% interest rate level?
It is understood that the current annual interest rate given by the six major banks is relatively low, and the three-year fixed deposit interest rate is generally 2.75%. The three-year fixed deposit of small and medium banks and local banks can reach about 4%. In other words, compared with market conditions, this interest rate is at the mid-to-upstream level, and friends who are seeking stability are recommended to start.
So, what is the income of 100,000 yuan per day? Give an example to introduce.
[Case] Suppose Xiao Xie has 100,000 spare cash and wants to deposit it in the bank for 3 years.
If you choose WeChat Wallet for bank savings, based on the current 3-year interest rate of 3.85%,
can get daily interest: 100000x3.85%/360=10.7 yuan;
can get monthly interest It is: 100000x3.85%/12=321 yuan;
can get annual interest: 100000x3.85% = 3850 yuan;
can get total interest: 100000x3.85%*3 = 11550 yuan;
The income of depositing 100,000 yuan for 1 day is 10 yuan, and now it is about 6 yuan for depositing 100,000 yuan in Yu'e Bao for 1 day, so if you are not in a hurry to spend money, you can consider depositing the money in WeChat wallet bank savings Yo.
Many people worry about whether the product is safe and reliable, or it is safe.
WeChat Wallet Bank Savings is jointly launched by WeChat and Industrial and Commercial Bank of China. Depositing funds is equivalent to depositing in ICBC. As one of the four major banks in my country, ICBC has a relatively high anti-risk capability. In addition, the product is a deposit type, so the financial risk is very low.
WeChat Huabei will be launched soon.
This time, Tencent United Financial Strategy is only a manual line for Tencent. In part, earlier, Tencent wasIt broke out that Alipay's "distribution payment" product is about to be launched. Tencent's financial strategy has the taste of catching up with the previous leading Ali's Ant Financial!
It is understood that Tencent has tested the "distribution payment" product before and plans to launch the credit payment product "distribution payment" in the fourth quarter of this year. The function of this product is similar to that of Huabei, you can use "individual payment" to pay first, and then postpone the bill or pay in installments.
However, kindly remind you that WeChat Huabei will cause users to develop the habit of spending early, and excessive consumption will lead to heavy debts and increase personal financial pressure.
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