How to save money without a bank card? Summary of popular solutions across the network
In modern society, mobile payment and cardless finance have become mainstream, but the occasional situation where you need to deposit cash but do not bring a bank card is still troublesome. This article will be compiled for you based on the hot discussions on the Internet in the past 10 days.Practical methods for depositing money without a card, with a comparison of the latest banking service data.
1. Comparison of mainstream cardless deposit methods in 2023
| way | Applicable banks | limit | Required conditions |
|---|---|---|---|
| ATM cardless deposit | ICBC, China Construction Bank, China Merchants Bank, etc. | Single transaction ≤10,000 yuan | ID card/mobile phone verification |
| Scan code to deposit in mobile banking | Bank of China, Bank of Communications, etc. | Daily cumulative ≤50,000 | Mobile banking has been activated |
| Face deposit | Agricultural Bank of China, Postal Savings Bank, etc. | ≤20,000 yuan/day | Face recognition authentication has been activated |
| No card processing at the counter | all banks | According to cash management regulations | ID card + mobile phone number |
2. Specific operation guide
1.ATM cardless deposit steps: Select "Cardless Transaction" → Enter the account number → Check the name → Put in cash → Confirm the amount. Note that some banks require SMS verification.
2.Mobile banking operations: Log in to the APP and find "Cash Deposit" → Generate a QR code → Scan in the ATM scanning area → Insert banknotes. This method has recently been played more than 2 million times on the Douyin platform.
3.A new experience of depositing by swiping your face: Select the facial recognition option → Face recognition → Enter the last four digits of your mobile phone number → Deposit operation. The Weibo topic #brushface to save money# has been read 18 million times in the past seven days.
3. Comparison of special services of various banks
| bank | Features | Time limit for arrival | handling fee |
|---|---|---|---|
| ICBC | Voice navigation deposit | real time | free |
| China Construction Bank | Reservation code deposit | Within 2 hours | free |
| China Merchants Bank | Face brush + fingerprint double verification | real time | free |
| postal savings | SMS verification deposit | next day | Partial charge |
4. Precautions
1. Security tip: When checking the payment account information, be sure to confirm the first and last digits of the name. Recently, there have been many cases of fraud using "similar names".
2. Timeliness note: Deposits made during non-working hours may be delayed, especially inter-bank deposits.
3. Limit reminder: According to the new regulations of the Central Bank, the cumulative number of cardless deposits in a single day shall not exceed 50,000 yuan, and large amounts must be reserved in advance.
5. Expert advice
Professor Li, a financial technology expert, said in a recent interview: "Cardless is an inevitable trend, it is recommended that users master at least 3 deposit methods. At the same time, please note that some old ATM models may not support the latest cardless function. You can check the device support status through the bank APP before making a deposit. "
Xiaohongshu’s popular guide shows,Bind frequently used accounts in advanceIt can improve the efficiency of cardless deposits. This topic has been added to favorites more than 50,000 times in the past 10 days.
Summary: Judging from the hot discussions on the entire Internet, cardless deposit technology is quite mature. Users can choose the most suitable method according to their own needs, and it is recommended to try it firstMobile banking scan code depositThis is currently the most convenient solution. At the same time, keep valid documents such as ID cards in case of emergency.
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