How to save money with a bank card: the latest guide in 2023
With the popularity of mobile payment, bank card deposits are still an important way of personal financial management. How to save money efficiently and safely has become a topic of concern to many people. This article will combine the popular discussions on the Internet in the past 10 days to give you a detailed introduction to the various methods of bank card deposits, precautions, and the latest interest rate comparison.
1. Main methods of bank card deposits
| Deposit method | Operation process | Arrival time | Applicable scenarios |
|---|---|---|---|
| ATM deposit | Insert bank card→Select deposit→Input cash→Confirm the amount | Real-time arrival | Small cash deposit |
| Over the counter deposit | Fill out the deposit slip → Submit cash/cheque → Teller handles | Real-time arrival | Large deposit/special business |
| Mobile banking transfer | Log in to the APP→select transfer→enter the amount→confirm payment | Within 2 hours | Electronic funds transfer |
| Deposit without card | Select cardless deposit→enter card number→add cash→confirm | Real-time arrival | Use when you forget to bring your card |
2. Comparison of deposit interest rates of major banks in 2023
| Bank name | current interest rate | 1-year fixed term | 3-year fixed term | 5-year fixed term |
|---|---|---|---|---|
| ICBC | 0.30% | 1.75% | 2.75% | 2.75% |
| China Construction Bank | 0.35% | 1.80% | 2.80% | 2.80% |
| Agricultural Bank of China | 0.30% | 1.75% | 2.75% | 2.75% |
| Bank of China | 0.30% | 1.75% | 2.75% | 2.75% |
| China Merchants Bank | 0.35% | 1.85% | 2.85% | 2.85% |
3. Notes on deposits
1.Large deposits require advance reservation: According to the regulations of the Central Bank, a single deposit exceeding RMB 50,000 must register the source of funds. It is recommended to make an appointment with a bank outlet in advance.
2.Check deposit information: Whether depositing at an ATM or over the counter, be sure to confirm that the card number and amount deposited are correct and keep the deposit receipt.
3.Pay attention to deposit insurance: my country implements a deposit insurance system. The maximum repayment limit for the total principal and interest of the same depositor's deposits in the same bank is 500,000 yuan.
4.Be wary of turning savings into financial management: Recently, there have been many incidents where depositors have reported that their deposits were converted into financial products. Be sure to confirm the nature of the product when handling business.
4. Deposit Tips
1.Ladder deposit method: Divide the funds into several parts and deposit them as time deposits of different maturities, which can not only obtain higher returns, but also maintain liquidity.
2.Automatic transfer function: Enable automatic transfer of time deposits to avoid interest losses caused by the transfer of funds to current deposits after maturity.
3.Follow bank activities: Some banks will launch activities such as deposit gifts, so you can pay appropriate attention to obtain additional income.
5. The latest hot spot: digital RMB deposits
Recently, the scope of digital renminbi pilot projects has been expanded, and some banks have opened digital renminbi wallet deposit functions. Compared with traditional deposits, digital RMB deposits have the characteristics of faster arrival and lower handling fees. Banks currently supporting digital RMB deposits include:
| Bank name | Opening time | Minimum deposit amount |
|---|---|---|
| ICBC | June 2023 | 1 yuan |
| China Construction Bank | May 2023 | 1 yuan |
| Agricultural Bank of China | July 2023 | 10 yuan |
With the development of financial technology, bank card deposit methods are also constantly innovating. It is recommended that depositors choose appropriate deposit methods based on their own needs and regularly pay attention to changes in bank policies to achieve maximum returns on funds.
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