Our 3.4 billion bank cards need to change the "core" bank charges 40 yuan up
Morning News (Reporter Jiang Fan) China‘s bank card is being ushered in change "core" era. Yesterday, the central bank released data show that as of the end of the third quarter of 2014, the cumulative amount of financial IC card issuing of breakthrough 1 billion.
Central Bank data show that more than one billion IC cards, the national commercial bank issuing the cumulative amount of over 900 million, a regional commercial bank issuing the cumulative amount of over 100 million. Add three quarters of 2014, the financial IC card 450 million, accounting for the amount of new bank card issuers
The proportion of over 80% in the first three quarters of new issuance volume was 130 million, 150 million and 170 million, issuing progress significantly faster, IC cards has become China‘s new bank card issued mainstream products.
According to the central bank had issued "on the gradual closure of the financial IC card transaction related matters downgrade notice" requirement, from next month, while a chip and magnetic stripe bank card magnetic stripe cards will no longer provide services, unified into a chip card; from Ming
Onwards, banks will gradually suspended magnetic stripe cards.
"Chip safety factor is higher than other bank card chip, so far, has not been found in domestic transactions chip card is cloned phenomenon." China UnionPay, said Wang Yu, senior risk professionals, and magnetic stripe card is different, information chip card
Is dynamic, "is a small computer chip, and each of the calibration values are different, less likely to be replicated. This is the reason for the central bank to replace the chip card proposition."
Yesterday, the Beijing Morning News reporters Zou Fangduo and Jia Yinxing understand that the banks on the same card replacement fees, ICBC, Minsheng and other banks are now free to replace the IC card, card replacement costs of most other banks in general in 10-20 yuan, there are Bank,
Maximum charge of 40 yuan business card replacements.
"You have to look at whether other payment card what card." CITIC Bank customer service to the Beijing Morning Post reporter, if you need to replace the ordinary card fee of $ 20, Gold customers need replaced for $ 10, but platinum and above the card exchange card fee is not received
.
Data show that the current market there are nearly 3.4 billion chip card magnetic stripe card needs to be replaced, but the cost per chip cards cost about 10 yuan, the replacement cost of tens of billions of dollars. The industry believes that, for the "core" of the charges require regulatory authorities into a
Step specification.
ICBC
Free
95888,622208,62127 do not change, such as the beginning of the card number.
Agricultural Bank of China
Up 40 yuan
IC card debut before the end of free, non-debut dropped 80 percent fee.
Bank of China
Up 5 yuan
March 31 handle magnetic stripe cards for chip card charge. Newly card charges 5 yuan. 6 beginning card numbers do not change, the beginning of the four need to change numbers.
Construction Bank
Up 40 yuan
Head guide price 40 yuan, Beijing outlets replaced for no money, no insurance number.
Bank of Communications
Up 20 yuan
Ordinary card card replacements, new common IC cards are needed to open 20 yuan fee; for replacement or new office Wo Deka, Bank financial cards, payroll cards, payroll cards enjoy the annual Gold and other chip card fee waived . When changing the card, 17 cards can not guarantee card number, 19
Bit card card insurable number.
China Merchants Bank
Up 10 yuan
Gold and changing the card above the card does not charge fee, Puka replaced by M + card also waive the fee in Beijing. Different networks have the appropriate fee waiver policy, such as deposit 1,000 yuan in the open card fee waiver. Changing the card number can not be guaranteed.
CITIC Bank
Up 20 yuan
Puka card replacement fee charged 20 yuan, 10 yuan Gold customers changing the card, platinum cards and more cards replaced for no fee charged. Changing the card number can not be guaranteed.
Minsheng Bank
Free
Changing the card free of charge until July 2015. UnionPay debit Ka Puka, Gold, Diamond, merchant card, Home Alone cards, payroll cards and other financial security number can be replaced. But UnionPay card postal financial IC card does not currently support change.
Facts +
Cards for the "core" business, do not forget to rebind
Why change the chip card? Because of the inherent weaknesses of track information easily copied, counterfeit cards fraudulent bank card crime has become the hardest hit. National public security organs cracked year tens of thousands of bank card crime, the number of annual economic losses caused by bank card crime in billions
Dollars. China Banking Association data show that counterfeit cards have become the number one cause of credit card fraud. In contrast, the chip card with a key encryption, the encrypted information is generated randomly, and is currently within the chip bank card is globally has not occurred
Copy Weika cause actual cases of fraud.
For the core how to promote? In this regard, the central bank, the official made it clear that a huge magnetic stripe cards for the stock will be taken out of the way of nature, step by step guide commercial banks to carry out the work of chip cards to replace magnetic stripe cards, will not affect the use of magnetic stripe cards. Value
Have emphasized that, starting next year in the economically developed regions and key industries newly issued to RMB settlement account bank card chip cards should be original magnetic stripe card can be used. In the economically underdeveloped areas still allow magnetic stripe card issuance.
Need to be reminded that, despite a number of banks to launch "for the core without changing the number" service, but only for part of the bank card and customer groups. A number of banks reminder, while changing the card will change the card number, the public should pay attention to some of the previous bank card business is bound to be re-run
Management, such as utilities, mortgage, car loan and credit card business and other withholding account bound PayPal account, securities account etc to re-apply for the first time. (Tencent news comprehensive Xinhua News Agency, Chongqing Business Daily and other reports)
Construction of smart cards, professional production of IC cards, ID cards, contactless IC card 4442, you need to contact: Wang 13828760722 qq: 1005412312
