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What is the difference between e-commerce bank balance and dinghuobao

What is the difference between e-commerce bank balance and dinghuobao

4hw.com.cn: with the opening of the e-commerce bank, most people will deposit their money in the balance, which is more convenient to use. Some people will deposit their money in dinghuobao, which can make profits. So what's the difference between the balance of the e-commerce bank and dinghuobao? Where is the good money?

1、 The balance of e-commerce bank is different from that of dinghuobao

The funds deposited in the current balance of e-commerce bank will settle the interest according to the interest rate of 0.385% of the listed current deposit of e-commerce Bank (September 30).

The interest of dinghuobao is calculated according to the time of withdrawal, and the calculation method is also different. After three years of deposit, the income will be calculated according to the three-year fixed deposit interest rate of e-commerce bank. For normal early withdrawal, the income will be calculated according to today's withdrawal rate of 3.50% (data on September 30). For real-time withdrawal, at least the income will be calculated according to the current deposit interest rate.

2、 The balance of e-commerce bank is different from that of dinghuobao

Dinghuobao is actually a three-year fixed deposit product of e-commerce bank, but it can be flexibly withdrawn. If you want to use the funds, you need to transfer the money to the current balance of e-commerce bank before you can use it.

Current balance is also a deposit product provided by e-commerce banks, which can be directly used for financing, consumption and other scenarios. The use of funds of dinghuobao can only be realized through the current balance. It is obvious that the flexibility of the use of funds of the balance of e-commerce bank is better than that of dinghuobao.