Online merchant Bank will gradually suspend Alipay cash withdrawal service from 2 1. Online merchant bank, initiated by Ant Group, is one of the first private banks in China. It has no offline outlets and provides services to users through the Internet. Online merchant Bank will gradually suspend Alipay cash withdrawal service from 2 1.
Online merchant Bank will gradually suspend Alipay cash withdrawal service from 2 1. "I can't complete the free bridge crossing, I can only return the bank card directly, and I need to pay the handling fee!" On April 19, the news that online merchant bank will gradually suspend Alipay's withdrawal or transfer to online merchant bank's Class II account rushed to Weibo for hot search, and some netizens expressed the above feelings.
A few days ago, the online merchant bank announced that from April 2, 20221day, Alipay's withdrawal or transfer to the online merchant bank's Class II account will be gradually suspended, and the online merchant bank's Class II account only supports my own bank account transfer, which has aroused widespread concern. Previously, one of the advantages of online merchant bank accounts was that they could provide large-scale free cash withdrawal services for Alipay. Now with the adjustment of this business rule, this advantage will no longer exist.
/kloc-on the evening of 0/9, the online merchant bank replied to the First Financial Reporter that the adjustment was based on business rules. The insiders interviewed by the reporter believe that as an Internet bank, the channel closure of online merchant banks may be related to the strengthening of bank II account management by the regulatory authorities in recent years. At the same time, the reporter also learned that although the service of directly withdrawing cash from Alipay balance to online merchant banks has been adjusted, the services of merchants and users to other banks through Alipay remain unchanged.
Online merchant bank adjusts Alipay cash withdrawal business
For a long time, supporting Alipay to withdraw large amounts of free cash is a major advantage of online merchant bank accounts. It also said in the official introduction that account advantages include convenient transfer, such as transfer to Alipay and bank accounts; Free of inter-bank handling fees; The maximum transfer amount for a single transaction is 6,543,800+0,000.
Specifically, before this business adjustment, it is free for individual users to transfer the balance of Alipay to the online merchant bank. After the funds are transferred to the online merchant bank, they can be transferred to other bank cards under their own names through the online merchant bank. This saves a handling fee compared with directly withdrawing cash from Alipay to the bank card.
With the adjustment of business, this "free bridge crossing" service will no longer be provided. In this regard, the online merchant bank responded to the reporter that this is based on the adjustment of business rules. If the merchant needs to withdraw the balance of Alipay and transfer it to the online merchant bank, he can first withdraw another bank card of his own, and then transfer it from the bank card to the online merchant bank.
This means that the online merchant bank has closed the function of transferring Alipay to the Class II account of the online merchant bank. Wang Pengbo, a senior researcher in the financial industry of Broadcom Consulting, told reporters that this move by online merchant banks may be mainly related to the management requirements of the financial regulatory authorities for the second bank.
The Notice of the People's Bank of China on Implementing the Classified Management System of Personal Bank Accounts issued by the Central Bank on October 6, 20, divides bank accounts into three categories, each of which has corresponding requirements on account opening method, function and transfer amount. Among them, to open a Class I account, the bank staff must verify the identity information on the spot; If the bank staff fails to verify the identity information on the spot, the depositor can only open a class II or III account.
As for Internet banking, online merchant banks are only allowed to set up 1 offline outlets, so their customers' accounts are basically second-class accounts, and the problem of deposit and withdrawal between such accounts and payment accounts has a long history.
In 20 18, the Notice on Improving the Classified Management of Personal Bank Accounts issued by the Central Bank made strict provisions on the deposit and withdrawal management between Class II and III households and payment accounts, explicitly requiring that "Class II and III households of banks cannot directly deposit funds from payment accounts". Based on this, Wang Pengbo said that the online merchant bank's initiative to close the channel may be related to the stricter implementation of the corresponding policies, or it may indirectly lead to the closure of the large-scale free cash withdrawal channel for ordinary C-end users.
Regarding why the supervision restricted the direct transfer of funds from the payment account to the second and third types of households, the relevant person in charge of the central bank said at that time that the real-name registration system of the payment account was low, and there was no restriction on the access objects of the payment account funds. For example, allowing arbitrary transfer of funds between payment accounts and opening second and third types of accounts online is not conducive to implementing the requirements of real-name account management, and is not conducive to protecting the financial security of users who bind second and third types of accounts.
However, according to the relevant regulations, Class II and Class III households opened on the non-face-to-face signing line can withdraw money from the payment account, and the unused balance can be returned from the payment account. It is said that with the adjustment of online merchant banking business, the direct depository between the second-class accounts of other banks and payment institutions may also change.
In fact, in 20 18, the online merchant bank restricted Alipay's access funds, and issued a notice saying that from July 20 18 13, the current balance of users transferring from Alipay to online merchants was limited to 65,438+10,000/year, unlimited for one day, and at the same time, it was withdrawn to the online merchant bank with Alipay APP.
There is no change in withdrawals from other banks.
It is worth noting that according to the announcement, the adjustment of Alipay's cash withdrawal business belongs to the business adjustment of online merchant banks, not Alipay's business adjustment, and does not affect Alipay users to withdraw cash through other channels.
"I received a notice from the online merchant bank. According to the suggestion of the online merchant bank, if users have funds and want to transfer to the online merchant bank, they can first withdraw the balance of Alipay to their other bank card, and then transfer it to the online merchant bank through bank transfer. For details, please consult the online merchant bank. " Alipay customer service told reporters that the services that merchants and users withdraw from other banks through Alipay remain unchanged.
In addition, the merchants receiving the money code are not affected by this business adjustment. According to the introduction of the online merchant bank, the merchants who collect the money code will withdraw the balance of Alipay to the bank card, and there is no need to pay the handling fee.
It is reported that the free cash withdrawal measures of cash-receiving code merchants mainly come from the small and micro fee reduction policy previously introduced by Alipay. Since its launch in February, 2065438+2007, Alipay has extended the free cash withdrawal period of cash withdrawal code for three times. According to the disclosed data, from August 20021year to now, it has reduced the operating cost for small and micro businesses by nearly 5 billion yuan in more than half a year.
Alipay said that this series of fee reduction policies for small and micro businesses will continue this year, including: First, for all Alipay users (including users who operate payment codes personally), payment code withdrawal will continue to be free until September 30, 2024. There is no single limit and single limit for free cash withdrawal, and it can be directly reduced or exempted without additional application from users.
Second, for small and micro enterprises, individual industrial and commercial households registered in the market supervision department, and individuals with business activities, we will continue to do a good job in reducing fees in accordance with the current policy, and the online payment service fee of Alipay platform will be 10% off the current standard.
In fact, since 20021year, when the regulatory authorities promoted the policy of reducing fees and making profits in micropayments, other payment institutions besides Alipay have been actively implementing it. For example, Tenpay offers preferential payment to small and micro businesses that meet the standards, including 10% discount for small and micro enterprises, individual industrial and commercial households and individuals with business activities, and fee reduction activities for small and micro businesses with business activities.
In addition to exempting merchants from handling fees, some netizens reported that free transfer can be realized through the surplus. From the product breakdown, the products invested are basically money funds.
However, unlike Yu 'ebao, at present, the fast transfer card business of Yu 'ebao is 654.38 yuan+00,000 yuan per day, while the daily fast transfer quota of other personal accounts is 654.38 yuan+00,000 yuan, and users can get the Alipay transfer quota of 654.38 yuan+00,000 yuan after opening. In addition, every 654.38+0 Yuan Yu Bao Li's income can be increased at the same time. This means that users can transfer the balance of Alipay to Yu Bao Li, and then withdraw it to the bank card to realize free withdrawal.
Online merchant Bank will gradually suspend Alipay cash withdrawal service from 2 1. On April 18, the online merchant bank issued the Announcement on the Adjustment of Class II Account Business and the Upgrade of Welfare Payment of the online merchant bank. According to the announcement, the online merchant bank will gradually suspend Alipay cash withdrawal from April 2 1 day.
On April 19, Alipay customer service said that the service of directly withdrawing Alipay balance to online merchant banks would be adjusted from April 2 1 9. At the same time, the services that merchants and users withdraw from other banks through Alipay remain unchanged.
Online merchant bank will gradually suspend Alipay cash withdrawal.
According to the announcement of the online merchant bank, from April 2, 20221day, the online merchant bank will gradually suspend the withdrawal of Alipay balance or transfer it to the related business of the online merchant bank II account. At the same time, the online merchant's bank II account will only support the transfer of my own bound bank account. It is reported that in order to facilitate the transfer, users can also bind their other bank cards at the online merchant bank in advance.
According to the official introduction of the online merchant bank, its account advantages are convenient transfer, free repayment and large payment amount. Specifically, it includes: users can conveniently transfer money to Alipay and bank accounts; Free of inter-bank handling fees; The maximum single transfer can be 6,543,800 yuan. Among them, free repayment also includes free credit card repayment, mortgage loan, car loan, free handling fee, quick arrival and so on.
In addition, the online merchant bank also announced the welfare fund upgrade plan. For corporate card customers, the activities of adding funds, offering generous rewards and paying interest-free quota by online merchants' banks are expected to go online on April 27th, 2022, and the activities of collecting purchase vouchers with interest-free quota will also go offline simultaneously. At the same time, the activities of non-business card customers and online merchant banks to issue interest-free quotas are also expected to go offline from April 27, 2022. For business card customers and non-business card customers, the interest-free limit can be used normally.
Subsequent users can obtain benefits through services such as loans, deposits and payments. Welfare funds can be used to repay online merchant loan deductions, exchange payment red envelopes, interest-free online merchant loans, and online merchant banks to repay credit card red envelopes.
Alipay: Other banking services remain unchanged.
As early as July 20 18 and 13, online merchant banks began to support the transfer of Alipay balance to online merchant demand balance, with a limit of 65,438+10,000/year; At the same time, with the help of online merchant APP, the balance of Alipay will be transferred to fixed-term treasure and deposited at will, and the Alipay APP will be withdrawn to the online merchant bank limit * * *.
However, according to the current situation, the current account of online merchant bank will no longer support the transfer of "Alipay balance" into funds, and promote the closure of the above services. Continued use of funds can only be transferred by remittance from other banks or collection from other banks.
Alipay customer service said that "it has received the notice from the online merchant bank that due to the adjustment of banking business, the service of directly withdrawing Alipay balance to the online merchant bank will be adjusted from April 2 1 day. At the same time, the services that merchants and users withdraw from other banks through Alipay remain unchanged. "
Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, said, "As an Internet bank, channel closure may be related to stricter implementation of corresponding policies, but the impact on Alipay users is limited when other banking services remain unchanged."
202 1 in the first three quarters, the online merchant bank realized operating income of 10083 million yuan.
The online merchant bank initiated by Ant Group is one of the first private banks in China. It has no offline outlets and provides services to users through the Internet. Opened on June 25th, 20 15. At present, Ant Technology Group holds nearly 30% of the shares of the bank, ranking the largest shareholder.
According to official website, an online merchant bank, with the aim of serving small and micro businesses, the bank is committed to solving the financial needs of small and micro enterprises, self-employed households, operating farmers and other small and micro groups, and pioneered the "3 10" model of non-contact loans in the industry, that is, the application takes three minutes, and 1 second loans are made with zero manual intervention.
According to the information disclosure report of online merchant bank in the third quarter of 20021year, as of September 30, 20021year, the total assets of the bank were 37441500 million yuan, the total liabilities were 35721700 million yuan, and the total owner's equity was17/kloc. In the first three quarters of 20021,the bank achieved operating income of 654.38+00083 billion yuan and net profit of 654.38+0789 billion yuan.
Online merchant Bank will gradually suspend Alipay cash withdrawal service from 2 1. /kloc-in April of 0/9, the online merchant bank recently released the Announcement on the Adjustment of Class II Account Business and the Upgrade of Welfare Payment of the online merchant bank, which attracted the attention of the industry.
Previously, users could transfer Alipay's money to the online merchant bank through the bank card bound by the online merchant bank, and then withdraw it for free through the bank card bound by the online merchant bank. After the adjustment of the business rules, it means that the newly registered online merchant bank users will no longer support the free withdrawal function.
When the news came out, it quickly attracted the attention of netizens. Many netizens think that this is the separation of Alipay and online merchant banks. Others say that this is because ants don't support ants. ...
Online merchant banks gradually suspended Alipay cash withdrawal.
According to the announcement of the online merchant bank, from April 2 1 day, 2022, the online merchant bank will gradually suspend the related business of Alipay's withdrawal or transfer to the online merchant bank's Class II account, and the online merchant bank's Class II account only supports the transfer of my own bound bank account.
In this regard, the online merchant bank replied to the beijing business today reporter on April 19, and Alipay did not close the free cash withdrawal channel. The online merchant bank gradually stopped the function of Alipay balance transfer, but still supported the bank account transfer that I bound.
For business adjustment, the online merchant bank added that if a merchant needs to withdraw the Alipay balance and transfer it to the online merchant bank, he can first withdraw another bank card of his own and then transfer it from the bank card to the online merchant bank. At present, the merchants who collect the money code will withdraw the balance of Alipay to the bank card, and there is no handling fee.
It is understood that the money that individual users originally transferred to Alipay balance in the online merchant bank App is free, and this part of the handling fee is mainly "paid" by the online merchant bank. After the money is transferred to the online merchant bank, it can be withdrawn to the bank card under its own name through the online merchant bank, which can basically realize free withdrawal. Regarding the adjustment action of online merchant banks, a senior industry insider commented, "This wave of adjustment operation may also be because it can't hold back the bank's channel fees. Overall, it has little impact on Alipay small and micro merchants. "
Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, told the beijing business today reporter today that in 20 16, the Notice of the People's Bank of China on Implementing the Classified Management System for Personal Bank Accounts, No.302 issued by the central bank, divided bank accounts into three categories, and the account opening method, function and transfer amount of each type of account were displayed accordingly. As an internet bank, channel closure may be related to stricter implementation of corresponding policies, or it may indirectly lead to a lot of spare money for ordinary C-end users.
But after all, Alipay didn't stop the previous free policy of withdrawing merchant code, so on the whole, there is no necessary causal relationship between the event and the withdrawal.
Su, a senior analyst in Analysys financial industry, said that there are two considerations. First, in order to improve the user experience, it is easier to directly withdraw the balance of Alipay into the bank card. Second, in order to straighten out the business, Alipay mainly focuses on payment business, and online merchant banks mainly aim at small and micro businesses on the B side. After that, the business of all parties will become clearer.
The merchant's withdrawal fee for the receipt code is free.
It is worth noting that the online merchant bank stressed that at present, the merchants who receive the money code will withdraw the Alipay balance to the bank card without paying the handling fee.
Beijing business today reporter learned today that the free cash withdrawal measures of payment code merchants mainly come from the small and micro fee reduction policy previously launched by Alipay. Since August, 20265438 1 day, Alipay has implemented a 10% discount on online payment service fees for qualified small and micro enterprises and individual industrial and commercial households, and continued to reduce fees and make profits by withdrawing payment codes for free. It is understood that online payment service fee concessions and other measures have covered tens of millions of small and micro businesses, reducing operating costs for small and micro businesses by nearly 5 billion yuan in the past six months.
For all users of Alipay payment code (including users who operate the payment code personally), the withdrawal of Alipay payment code will continue to be free until September 30, 2024. There is no single limit and one-day limit for withdrawing money, and there is no need for additional application from users, so it can be directly reduced or exempted.
In addition, for small and micro enterprises, individual industrial and commercial households registered in the market supervision department and individuals whose business behavior meets the requirements of the Ministry of Industry and Information Technology, we will continue to implement the fee reduction work in accordance with the current policy, and the online payment service fee of Alipay platform will be 10% off the current standard.
In fact, since 20021,the policy of reducing fees and making profits for micropayments has been promoted. At present, all payment institutions have corresponding preferential policies. In addition to Alipay, Tenpay also implements the policy requirements of reducing fees and making profits for small and micro enterprises, individual industrial and commercial households and individuals with business practices, and implements payment concessions for small and micro businesses that meet the standards. These include a 10% discount on service fees paid by small and micro enterprises, individual industrial and commercial households, and individuals with business practices, and the activities of withdrawing change from personal payment accounts with business practices to reduce handling fees.
Su pointed out that at present, the head office has set an example in reducing fees. Although the fee reduction will have a certain impact on the agency's fee income, the agency can take this opportunity to acquire customers and stick to customers, and expand the income beyond the fee payment through the construction of diversified business and even the construction of ecological circle, thus enhancing its market competitiveness.
Wang Pengbo also believes that from the latest fee reduction situation, the two payment giants have the largest transaction scale and the highest degree of profitability, but it must be said that payment institutions are the most market-oriented parts of the entire industrial chain, with relatively low profits, and the corresponding profits will also be affected to some extent. Therefore, behind the fee reduction measures, some small and medium-sized payment institutions may also reduce fees appropriately to reduce the burden on payment institutions.
Is there any way to withdraw cash for free?
The business adjustment of online merchant banks has also attracted the attention of netizens. What is the withdrawal fee for individual users except payment code merchants? For users who have not registered online merchant banks before, what other ways can they withdraw cash for free? Is the existing interest-free quota affected?
According to the announcement of the online merchant bank, for the commercial card customers and non-commercial card customers, at present, the online merchant bank's corresponding new funds, generous rewards and interest-free quota payment are expected to go online on April 27, 2022, and the activities of collecting purchase vouchers based on interest-free quota will also go offline simultaneously. However, the interest-free quota obtained can be used normally.
Such follow-up users can obtain welfare funds through loans, deposits, payments and other services. Welfare funds can be used to repay online merchant loan deductions, exchange payment red envelopes, interest-free online merchant loans, and online merchant banks to repay credit card red envelopes.
In addition, on April 19, today, after beijing business today reporter logged in Alipay on the online merchant bank page and opened Yu 'ebao, the balance of Alipay can be transferred to Yu 'ebao, and the basic amount can be withdrawn to the card free of charge. At the same time, every income of Yu 'ebao can be increased by 1 000 yuan.
Alipay said that if individual users exceed the free withdrawal amount, Alipay will charge a service fee of 0. 1%, and each individual user can enjoy a basic free withdrawal amount of 20,000 yuan. After the basic free quota is used up, users can exchange ant points for more free cash withdrawal quotas.
In addition to Alipay, beijing business today reporter learned today that each WeChat user also enjoys a lifetime free withdrawal limit of 1 000 yuan, and the excess is charged at the bank interest rate. The current rate is 0. 1%, and the minimum charge is 0. 1 yuan per transaction. Functions such as WeChat red envelope, face-to-face payment and AA collection are not affected, and no handling fee is charged.
In Wang Pengbo's view, payment institutions should make great progress and construction in basic technology and scientific and technological innovation. On the one hand, it is still necessary to implement regulatory policies on the basis of compliance, and in addition, it can expand various services with payment as the main body, and expand new value-added services in combination with merchants to enhance their own industry competitiveness.