how to get pension from social security card? What functions does the financial account of social security card have? Let's take a look at the details.
What functions does the financial account of social security card have?
How to use it?
According to the relevant person in charge of the state human resources and Social Security Bureau, there are two accounts in the social security card: one is the social security personal account, which is what we usually call the medical insurance personal account; the other is the financial account, which is a bank card account. Social security card is not only a medical insurance card, but also a bank debit card. These two accounts are totally different, independent and unrelated.
The individual account of medical insurance can only be used for medical treatment and drug purchase in the designated institutions of medical insurance according to the regulations. The financial account has the function of bank debit card, which can access cash, swipe consumption, transfer, etc., and can also choose to open online payment, investment and financial management, etc.
At present, most of the cardholders use the financial function to get the pension of retirees. Some administrative organs, enterprises and institutions use the social security card as a wage card to pay wages on behalf of others. The money printed on the social security card can not only be cashed, but also be used for purchasing goods by swiping the card or as a withholding and paying account for water and electricity expenses, just like the debit card of ordinary banks.
There is a precondition for the normal use of the above functions, that is to change the initial password to activate at the bank outlet marked on the card face.
7 banks reduce the service charge for inter-bank withdrawal of social security card:
The social security card is jointly developed and issued by the human resources and social security department and the bank. In order to take care of the use habits of the insured people and facilitate the insured people to handle the financial business nearby, the state human resources and Social Security Bureau expanded the number of banks included in the social security card financial service cooperation to 8, including Agricultural Bank of China, construction bank, Bank of China, industrial and Commercial Bank of China, postal savings bank, agricultural and Commercial Bank of China (rural credit cooperatives), Bank of Hubei, and Bank of Han Kou bank.
At present, seven cooperative banks in our prefecture have implemented the provincial ATM inter-bank withdrawal service fee policy of exemption from the first two social security card financial accounts each month, each of which does not exceed 2500 yuan (including), and some banks have also provided more preferential service fee relief policies.
In view of the long period of card replacement, the cooperative bank has set up instant card making equipment in its business outlets, and the human resources and social security department has delegated the card making authority to provide one-stop service of on-site instant card making and on-site activation of financial functions. In view of the shortage of service outlets in rural areas, some cooperative banks extend the withdrawal business to the grass-roots level by setting up financial service agency service points. For the difficult groups, cooperative banks can also provide door-to-door card issuing, activation and other sexual services.
So what are the policies and measures of social security card financial services provided by cooperative banks?
Agricultural Bank
When withdrawing with the social security card of the bank, the handling fee for withdrawing from other places of the bank in the social security card financial account shall be exempted.
By May 30, 2018, the bank will implement the following policies: free of the first two social security card financial accounts each month, each of which does not exceed 2500 yuan (including) inter-bank ATM withdrawal service fee in the province.
Relevant preferential financial policies:
1. There is no charge for mobile bank transfer and remittance. 2. There is no charge for the cost of making up or replacing the social security card. 3. Annual fee of social security card is exempted. 4. The small account management fee of social security card financial account is exempted. 5. There is no charge for reporting the loss of the password of the social security card financial account.
Relevant financial service measures:
1. In Enshi, Lichuan, Jianshi, Badong, Xianfeng, Laifeng County and Hefeng, we arranged a card reissue machine for social security cards to provide instant card reissue and replacement services to the card makers. 2. Select key towns, major transportation roads and central villages to add some huinongtong service points. 3. Business outlets implement flexible scheduling system. During the period of centralized distribution of social security business, the outlets will send additional personnel to provide services and improve the efficiency of social security business.
Bank for economic construction
When withdrawing with the social security card of the bank, the handling fee of the bank's non local withdrawal from the social security card financial account shall be exempted; the handling fee of inter-bank withdrawal from the provincial ATM with the first two social security card financial accounts each month, each of which does not exceed 2500 yuan (inclusive), shall be exempted.
Relevant preferential financial policies:
1. Social security card is exempt from the service charge of social security across regions in the province. 2. There is no charge for mobile bank transfer and remittance. 3. There is no charge for the cost of making up or replacing the social security card. 4. Annual fee of social security card is exempted. 5. The small account management fee of social security card financial account is exempted. 6. There is no charge for reporting the loss of the password of the social security card financial account.
Relevant financial service measures:
1. In 10 outlets in the state to add social security card namely business card printing equipment, to provide business card makers with immediate replacement business. 2. Staff can be arranged to provide door-to-door centralized card issuing and activation services from time to time. 3. There are 168 agricultural withdrawal service points and nearly 700 yunongtong service points in the whole Prefecture. The cardholder can handle the withdrawal business of social security card financial account at the above service points.
Bank of China:
When withdrawing with the social security card of the bank, the handling fee for withdrawing from other places in the social security card financial account of the bank shall be exempted; the handling fee for withdrawing from national inter-bank ATM in the social security card financial account shall be exempted.
Relevant preferential financial policies:
1. Social security card is exempt from inter regional social security service fees. 2. Free of SMS service charge for real-time reminder of balance change of social security card financial account. 3. There is no charge for mobile bank transfer and remittance. 4. Annual fee of social security card is exempted. 5. The small account management fee of social security card financial account is exempted. 6. There is no charge for reporting the loss of the password of the social security card financial account. 7. Free of charge for production cost of password card of online banking.
Relevant financial service measures:
1. In 10 outlets in the state to add social security card namely business card printing equipment, to provide business card makers with immediate replacement business. 2. Staff can be arranged to provide door-to-door centralized card issuing and activation services.
Industrial and Commercial Bank of China:
When withdrawing with the social security card of the bank, the handling fee of the bank's non local withdrawal from the social security card financial account shall be exempted; the handling fee of inter-bank withdrawal from the provincial ATM with the first two social security card financial accounts each month, each of which does not exceed 2500 yuan (inclusive), shall be exempted.
Relevant preferential financial policies:
1. Social security card is exempt from inter regional social security service fees. 2. Free of SMS service charge for real-time reminder of balance change of social security card financial account. 3. There is no charge for mobile bank transfer and remittance. 4. There is no charge for the cost of making up or replacing the social security card. 5. Annual fee of social security card is exempted. 6. The small account management fee of social security card financial account is exempted. 7. There is no charge for reporting the loss of the password of the social security card financial account.
Relevant financial service measures:
1. Add social security card making equipment in 9 outlets in the whole Prefecture, one for each of 7 sub branches in county and city, one for each of Enshi Linjiang sub branch and urban sub branch, and provide card makers with instant card replacement business. 2. Staff can be arranged to provide door-to-door centralized card issuing and activation services. 3. The social security card comprehensive service window is opened, and 19 business outlets can handle the social security card business, including loss reporting, card replacement, new opening, card activation, medical insurance card function transfer in, password reset business. 4. Provide social security card password envelope to solve the problem of inconvenient activation of some social security card customers.
Postal Savings Bank:
When withdrawing money with the social security card of the bank, the handling fee of the bank's remote withdrawal from the social security card financial account shall be exempted; the handling fee of the first two social security card financial accounts per month, each of which shall not exceed 2500 yuan (inclusive), shall be exempted.
Relevant preferential financial policies:
1. Social security card is exempt from the service charge of social security across regions in the province. 2. There is no charge for mobile bank transfer and remittance. 3. There is no charge for the cost of making up or replacing the social security card. 4. Annual fee of social security card is exempted. 5. The small account management fee of social security card financial account is exempted. 6. There is no charge for reporting the loss of the password of the social security card financial account.
Relevant financial service measures:
1. At present, 22 self operated outlets in the state have added social security card making equipment to provide instant card replacement business to card makers. 2. Staff can be arranged to provide door-to-door centralized card issuing and activation services.
ABC:
1. Exemption conditions:
① The withdrawal of social security card of our bank from the counter and ATM of the same industry in our bank and province shall be free of service charge; ② the withdrawal of male customers over 60 years old (including) and female customers over 50 years old (including) shall be free of service charge for the first two withdrawals of social security card of our bank from the same city, inter-bank and inter-bank in different places each month with each amount less than 2500 yuan (including); ③ If the first two inter-bank cash withdrawals in the same city are more than 2500 yuan or the number of withdrawals is more than 2, the handling fee will be charged, and the charging standard will be 2 yuan / transaction; if the first two inter-bank cash withdrawals in different places are more than 2500 yuan, the handling fee of 2500 yuan will be exempted, and the remaining part will be (amount * 3 & permil); +2) RMB / transaction is charged, and if the number of withdrawals exceeds 2 in the current month, the service fee will also be charged, and the charging standard is (withdrawal amount * 3 & permil; + 2) RMB / transaction;
2. The fee standard that does not meet the exemption conditions:
For customers who fail to meet the conditions of reduction or exemption, the service charge will be charged for ATM inter-bank withdrawal in the same city or in different places. The charge standard for ATM inter-bank withdrawal in the same city is 2 yuan / transaction, and the charge standard for ATM inter-bank withdrawal in different places is (withdrawal amount * 3 & permil; + 2) yuan / transaction.
Relevant preferential financial policies:
1. There is no charge for mobile bank transfer and remittance. 2. There is no charge for reporting the loss of the password of the social security card financial account.
Relevant financial service measures:
1. In part of the outlets in the state to add social security card that is, business card printing equipment, to provide business card makers with immediate replacement business. 2. Staff can be arranged to provide door-to-door centralized card issuing and activation services.
Bank of Hubei:
When withdrawing with the social security card of the bank, the handling fee of the bank's remote withdrawal from the social security card financial account shall be exempted; the handling fee of the first five national ATM inter-bank withdrawals from the social security card financial account every month shall be exempted.
Relevant preferential financial policies:
1. Social security card is exempt from inter regional social security service fees. 2. Free of SMS service charge for real-time reminder of changes in social security card financial account balance. 3. There is no charge for mobile bank transfer and remittance. 4. Exempt from the annual fee of social security card. 5. Free of small account management fee of social security card financial account. 6. The handling fee for reporting the loss of the social security card's financial account password is exempted.
Relevant financial service measures:
1. As of May 2018, there are 9 business outlets and 26 self-service machines and tools in the whole Prefecture, covering all counties and cities except Hefeng County. Cardholders can normally handle social security card financial business through business outlets and self-service machines and tools. In the second half of 2018, Hefeng Sub Branch officially opened, and the service scope of social security card will cover the whole Prefecture. 2. The service personnel of each business outlet shall be fully equipped, and the operation process and service requirements of social security card business shall be accurately and proficiently mastered. At the same time, provide special rest areas for the elderly, disabled and other caring groups, open fast processing channels, reduce their processing time, and provide door-to-door services for those with special needs. 3. Some business outlets are equipped with social security card making equipment to provide card makers with instant card replacement business.
Hankou Bank:
When withdrawing with the social security card of the bank, the handling fee for withdrawing from other places in the social security card financial account of the bank shall be exempted; the handling fee for withdrawing across banks and regions in the country in the social security card financial account shall be exempted.
Relevant preferential financial policies:
1. Financial services are applied to cash deposit and withdrawal, transfer, payment and settlement, investment and financing, etc. 2. Social security card service charge for inter-bank and inter regional withdrawal is exempted. 3. The small account management fee of social security card financial account is exempted. 4. No transfer fee. 5. There is no charge for the cost of making up or replacing the social security card. 6. Free of cost of social security card. 7. Annual fee of social security card is exempted. 8. There is no charge for reporting the loss of the password of the social security card financial account. 9. Mobile phone download mobile banking, fund collection function, cross bank collection of funds without charge. 10. Make an appointment to withdraw money without card through the mobile banking client.
Relevant financial service measures:
1. Equipment waiting for head office