银行卡每天交易限额5000元？网友：用自己的钱也要被限？
<section data-role="outer" label="edit by 135editor"><p style="text-align: center;"><strong style="color: rgb(0, 122, 170);"><span style="font-size: 16px;">银行卡每天交易限额5000元？</span></strong></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">这两天</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">有北京地区银行机构传出</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">对Ⅰ类账户设置了交易限额</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;color: rgb(0, 122, 170);">非柜面所有渠道的交易额度</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;color: rgb(0, 122, 170);">每天上限为5000元</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">消息引发网友关注</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;"><br/></span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">这到底是怎么回事？</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">为什么用自己的钱也要被限？</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">Ⅰ类账户又是什么？</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">一起来看<br/></span><br/></p><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 10px auto;outline: 0px;max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;display: inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding: 3px;outline: 0px;max-width: 100%;box-sizing: border-box;background-color: rgb(79, 129, 189);border-radius: 30px;overflow-wrap: break-word !important;"><section style="padding: 4px 13px;outline: 0px;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: dashed;border-color: rgb(255, 255, 255);border-radius: 30px;overflow-wrap: break-word !important;"><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">“银行卡限额！花自己的钱也被限制？”</strong></span></section><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">多家银行回应</strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="outline: 0px;max-width: 100%;vertical-align: inherit;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p></section><section style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">近日，不少网友在社交平台上留言</span></section><section style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>自己的个人账户交易被限额了</strong></span></section><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(79, 129, 189);font-size: 16px;"><strong><br/></strong></span></section><section style="line-height: 1.75em;"><br/></section><section data-tools="135编辑器" data-id="95447"><section style="box-sizing:border-box;max-width:100% !important;width:100%;margin:1em auto;" data-width="100%"><section style="box-sizing: border-box;width: 40px;margin-right: auto;margin-left: auto;background: rgb(254, 254, 254);transform: rotate(0deg);"><br/><br/></section><section style="margin-top: -10px;border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding: 1em;box-sizing: border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;"><section style="vertical-align: inherit;line-height: 1.75em;"><span style="font-size: 16px;caret-color: rgb(255, 0, 0);color: rgb(70, 70, 70);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">很多人不能理解，“如果是每天5000元的交易限额，那</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong><span style="caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">实在是太少了，也很不方便</span></strong></span><span style="font-size: 16px;caret-color: rgb(255, 0, 0);color: rgb(70, 70, 70);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">。毕竟日常生活中要买一些贵的商品，比如电脑、奢侈品包包可能就超过这个限额，更不用说买房、买车了，实在不是很能理解，</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong><span style="caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">用自己的钱为什么还要搞这么多限制</span></strong><span style="caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">。</span></span><span style="font-size: 16px;caret-color: rgb(255, 0, 0);color: rgb(70, 70, 70);font-family: 微软雅黑, Microsoft YaHei, sans-serif;">”</span></section></section></section></section></section><section style="text-align: center;line-height: 1.75em;"><br/><br/></section><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><br/></section><section style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;">有机智的网友现场解答</span></section><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><span style="font-size: 16px;">对此，不少银行从业人员表示：“我们也不想这么麻烦，但是有些人不听劝，</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>出了事我们工作人员要负连带责任</strong>。”</span></section><section style="line-height: 1.75em;"><br/></section><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><br/></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="123601"><section style="margin: 10px auto;padding: 15px 10px;box-sizing: border-box;"><section style="background-color: #fffae3;transform: rotate(-5deg);-webkit-transform: rotate(-5deg);-moz-transform: rotate(-5deg);-ms-transform: rotate(-5deg);-o-transform: rotate(-5deg);"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background-color: rgb(255, 255, 255);padding: 15px;border-width: 1px;border-style: solid;border-color: rgb(0, 112, 192);transform: rotate(5deg) translateZ(10px);"><p><span style="font-size: 16px;">多数银行表示，</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>目前只是对相关银行卡非柜面交易额度做出调整，主要是为了防范电信网络诈骗风险，响应中国人民银行对银行卡实行分类管理的要求。</strong></span></p></section></section></section></section></section><p style="line-height: 1.75em;"><br/></p><section data-role="title" data-tools="135编辑器" data-id="108124"><section><section><section><section><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 10px auto;outline: 0px;max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;display: inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding: 3px;outline: 0px;max-width: 100%;box-sizing: border-box;background-color: rgb(79, 129, 189);border-radius: 30px;overflow-wrap: break-word !important;"><section style="padding: 4px 13px;outline: 0px;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: dashed;border-color: rgb(255, 255, 255);border-radius: 30px;overflow-wrap: break-word !important;"><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">银行Ⅰ、Ⅱ、Ⅲ类账户是怎么回事？</strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="outline: 0px;max-width: 100%;vertical-align: inherit;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p></section></section></section></section></section></section><section style="line-height: 1.75em;"><span style="font-size: 16px;">2016年，央行发布相关规定，个人在银行开立账户，</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>每人在同一家银行，只能开立一个Ⅰ类户</strong></span><span style="font-size: 16px;">，如果已经有Ⅰ类户的，再开户时只能是Ⅱ、Ⅲ类账户。</span></section><section style="line-height: 1.75em;"><br/></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="123368"><section style="text-align: left;margin: 10px auto;"><section style="display: inline-block;"><section style="display: flex;justify-content: center;align-items: center;"><section style="background-color: #4475f1;padding: 2px 10px;margin-right: 4px;box-sizing: border-box;"><section style="font-size: 14px;letter-spacing: 1.5px;color: #fff;"><span style="font-size: 16px;"><strong data-brushtype="text">银行三类账户有啥区别？</strong></span></section></section></section><section style="box-sizing:border-box;width: 100%;height: 1px;background-color: #0b43d1;margin-top: 3px;max-width: 100% !important;overflow: hidden;" data-width="100%"><br/></section></section><section style="background-color: #f3f5fb;padding: 30px 25px;box-sizing: border-box;"><section style="text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background: transparent;"><section data-autoskip="1"><p><span style="color: rgb(0, 122, 170);"><strong><span style="font-size: 16px;">银行Ⅰ类账户</span></strong></span><span style="font-size: 16px;">是属于全功能账户，支持办理存款、购买投资理财产品等金融产品，还提供转账、消费和缴费支付、存取现金等服务；</span></p><p><span style="font-size: 16px;"><br/></span></p><p><span style="color: rgb(0, 122, 170);"><strong><span style="font-size: 16px;">银行Ⅱ类账户</span></strong></span><span style="font-size: 16px;">属于限制功能账户，在进行转账交易的时候有限额。</span></p><p><span style="font-size: 16px;"><br/></span></p><p><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>银行Ⅲ类账户</strong></span><span style="font-size: 16px;">可绑定快捷支付、在线消费、缴费等小额支付。</span></p><p><span style="font-size: 16px;"><br/></span></p><p><span style="font-size: 16px;">形象地说，<span style="color: rgb(0, 122, 170);"><strong>Ⅰ、Ⅱ、Ⅲ三类银行账户就像是3个不同资金量的钱包</strong>。</span>其中，Ⅰ类账户是“钱箱”，Ⅱ类账户是“钱夹”，Ⅲ类账户是“零钱包”。</span></p></section></section></section></section></section></section><p style="text-align: center;"><br/></p><section style="line-height: 1.75em;"><br/></section><section data-role="title" data-tools="135编辑器" data-id="108124"><section><section><section><section><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 10px auto;outline: 0px;max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;display: inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding: 3px;outline: 0px;max-width: 100%;box-sizing: border-box;background-color: rgb(79, 129, 189);border-radius: 30px;overflow-wrap: break-word !important;"><section style="padding: 4px 13px;outline: 0px;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: dashed;border-color: rgb(255, 255, 255);border-radius: 30px;overflow-wrap: break-word !important;"><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">去年开始，已有多家银行下调限额</strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="outline: 0px;max-width: 100%;vertical-align: inherit;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p></section></section></section></section></section></section><section style="line-height: 1.75em;"><span style="font-size: 16px;">非柜面渠道指的是不在银行柜台办理的业务，</span><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong>包括网上银行、手机银行、网上快捷支付、销售终端POS机、ATM机和包括支付宝、微信等在内的第三方支付等</strong></span><span style="font-size: 16px;">。</span></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><strong><span style="font-size: 16px;">中国银行</span></strong><span style="font-size: 16px;">客服表示，为预防电信诈骗，银行对Ⅰ类、Ⅱ类银行卡的非柜面交易额度做出调整。</span></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><strong><span style="font-size: 16px;">招商银行</span></strong><span style="font-size: 16px;">客服表示，招行从去年开始陆续对部分客户的非柜面交易进行限额，是为保证客户账户的资金安全，具体调整有所区别。</span></section><section style="line-height: 1.75em;"><br/></section><section><span style="font-size: 16px;">而<strong>华夏银行</strong>客服称，目前尚未出现客户反映非柜面交易额度下调的情况。</span></section><section style="line-height: 1.75em;"><br/></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="123369"><section style="margin: 10px auto;text-align: center;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;margin-bottom: -15px;margin-left: 10px;"><section style="box-sizing:border-box;width: 30px;height: 3px;background-color: #ffae28;margin-left: 5px;overflow: hidden;"><br/></section></section><section style="background-color: #f7f8ff;padding: 35px 25px 15px;box-sizing: border-box;"><section style="text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background: transparent;"><section data-autoskip="1"><p><span style="font-size: 16px;">其实，去年已有农业银行，浦发银行、光大银行等发布公告，</span><strong><span style="font-size: 16px;">下调个人账户线上相关业务交易限额，包括线上转账限额及网上支付交易限额等。</span></strong></p><p><span style="font-size: 16px;"></span></p><section style="text-align: center;line-height: 1.75em;"><br/></section><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(136, 136, 136);font-size: 15px;">△中国农业银行官网截图</span></section></section></section><section style="box-sizing:border-box;width: 100%;height: 1px;background-color: #b1c0e6;margin-top: 15px;max-width: 100% !important;overflow: hidden;" data-width="100%"><br/></section></section></section></section></section><section style="text-align: center;line-height: 1.75em;"><br/></section></section><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 10px auto;outline: 0px;max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;display: inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding: 3px;outline: 0px;max-width: 100%;box-sizing: border-box;background-color: rgb(79, 129, 189);border-radius: 30px;overflow-wrap: break-word !important;"><section style="padding: 4px 13px;outline: 0px;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: dashed;border-color: rgb(255, 255, 255);border-radius: 30px;overflow-wrap: break-word !important;"><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">需要调整限额怎么做？</strong></span></section><section hm_fix="317:305" style="outline: 0px;max-width: 100%;font-size: 14px;letter-spacing: 1.5px;color: rgb(255, 255, 255);text-shadow: rgb(79, 129, 189) 1px 1px 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-brushtype="text" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">可以通过这些渠道办理</strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="outline: 0px;max-width: 100%;vertical-align: inherit;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 16px;"><br/></span></p><p style="outline: 0px;max-width: 100%;vertical-align: inherit;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 16px;">若无法满足客户每日交易要求，建议</span><span style="font-size: 16px; color: rgb(0, 122, 170);"><strong>带上身份证、银行卡前往线下网点进行柜面的提额处理</strong>。</span></p></section><section data-role="outer" label="edit by 135editor"><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><span style="font-size: 16px;">兴业银行客服表示，目前该银行的新开卡额度最低为1000元，</span><span style="font-size: 16px;color: rgb(0, 122, 170);">如果客户有提额需求，可在产生流水记录后，或携带相关证明材料，去银行网点办理<strong>。</strong></span></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><span style="font-size: 16px;">招商银行客服表示，如果持卡人确实出现非柜面交易额度被下调的情况，</span><span style="font-size: 16px;color: rgb(0, 122, 170);">可以优先通过手机银行APP搜索“交易额度”的相关功能，尝试在线调额。</span></section><section style="line-height: 1.75em;"><br/></section><section style="line-height: 1.75em;"><span style="color: rgb(136, 136, 136);"><span style="font-size:10px">来源：中国经济网、中国政府网</span></span></section></section><section style="display: none;line-height: 1.75em;"><br/></section><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p><link rel="stylesheet" href="//www.singse.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_tRl" id="wcn_editor_css"/> 5K？我转3K都限我 都唔明，限黎有么用 有网银都改唔到，一定要去现场，去现场排队又要排几久，真的烦 真吾知搞乜叉烧
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