First, the function of the unit settlement card
Corporate settlement card is a bank card issued by banks for corporate customers, which has many functions such as account inquiry, transfer and remittance, cash deposit and withdrawal, consumption, investment and wealth management. Among them, the transfer and remittance function can realize the transfer from the company account to the personal account.
Second, the provisions on transfer to individuals.
Although the company settlement card has the function of transferring money to individuals, it is not always possible to transfer money at will. Generally speaking, the unit to individual needs to meet the following conditions:
1. Legality and compliance of transfer purposes: the use of funds transferred by units to individuals must comply with the provisions of national laws and regulations and cannot be used for illegal activities.
2. Transfer amount conforms to the regulations: different banks may have different restrictions on the amount of transfer from units to individuals, which need to comply with the specific regulations of banks.
3. Provide relevant supporting documents: According to the specific purpose and amount of the transfer, the bank may require the unit to provide relevant supporting documents, such as contracts and invoices.
Third, matters needing attention
When transferring money from a company settlement card to an individual, you need to pay attention to the following matters:
1. Confirm the accuracy of payee information: Before transferring money, you must check the payee's name, account number and other information to ensure the accuracy of transfer.
2. Abide by bank regulations: Different banks may have different regulations on unit-to-individual transfer, so it is necessary to understand and abide by the regulations of specific banks.
3. Keep relevant vouchers: After transfer, keep relevant vouchers properly for future inquiry or verification.
To sum up:
The company settlement card can transfer money to individuals, but it needs to comply with national laws and regulations and bank regulations to ensure the legality and security of the transfer. When transferring money, it is necessary to confirm the accuracy of the payee's information, abide by bank regulations and keep relevant vouchers.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 47 provides that:
Enterprises and institutions may independently choose a business place of a commercial bank to open a basic account for daily transfer settlement and cash receipt and payment, and may not open more than two basic account. No unit or individual may open an account in the name of an individual to store its own funds.
Measures for the administration of RMB bank settlement accounts
Article 40 provides that:
Where a unit pays more than 50,000 yuan from a bank settlement account to an individual bank settlement account, it shall provide the following payment basis to the bank where the account is opened: (1) Wage agreement and list of payees. (2) Award-winning certificate. (three) proof of the labor contract between the press, publication, performance organizer and other units and the payee or the individual. (4) A certificate that a securities company, a futures company, a trust and investment company or a lottery issuing or underwriting department has paid or refunded a natural person. (5) Agreement on transfer of creditor's rights or property rights. (6) loan contract. (7) Certificate of insurance company. (eight) the certificate of the tax collection and management department. (nine) agricultural and sideline products and mineral products purchase and sale contracts. (10) Proof of other lawful funds. If the amount paid from the unit bank settlement account to the individual bank settlement account is taxable, the withholding agent shall provide the tax payment certificate to the bank where the account is opened.