How to save money without a bank card?

You can deposit money without a card. Whether at an ATM or at a bank counter, you can deposit money without a card. However, the prerequisite is that the user needs to know the account number of the bank card. Otherwise it will not work. The specific steps are as follows:

1. ATM without card to deposit money: the user will bring the cash to the ATM of the relevant bank in order to find the automatic teller machine. Under normal circumstances, the ATM screen will appear on the "no card deposit" option, the user clicks on the option. Enter the account number and check it when entering the new operating page. Follow the prompts to put money into the bill. After confirming the information, please confirm the information again, you can successfully deposit money.

2. Bank Counter Deposit: In the first step, the user carries cash to the local bank, after which he/she goes to the bank to take a number and queue up. The second step is to go to the appropriate window when the bank's announcement calls you and tell the bank's employees that they are ready to deposit money. In the third step, the user fills in the deposit information, and when finished, hands the money and the deposit slip to the staff, who will process the transaction, which will result in a successful deposit.

What is a bank card?

Bank card is a credit payment tool with all or part of the functions of consumer credit, money transfer and settlement, and cash deposit and withdrawal, etc., issued to the society by commercial banks (including postal financial institutions) upon approval.

Bank card reduces the circulation of cash and checks, and makes the banking business break through the limitation of time and space, and undergoes a fundamental change.

Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, so that the use of bank cards (Bank Card) is constantly expanding. Not only reduces the circulation of cash and checks, but also makes the banking business due to break through the limitations of time and space and has undergone fundamental changes. The use of automatic bank card settlement system, so that a "checkless, cashless society" will soon become a reality.

China's bank card industry 20 years of development can be roughly divided into four stages:

1. 1985 to the early 1990s, for the initial stage.

2. From the early 1990s to the beginning of 1996, it was the stage of independent development of bank card business by branches of large and medium-sized cities of various banks. In this stage, the Golden Card Project was launched.

3. From 1997 to the end of 2001, it was the stage of China's bank card gradually realizing the networking and common use.

4. From 2001 to the present, it is the stage of deepening the development of China's bank card network, and the issuance of bank cards by various banking institutions across the country has grown rapidly.

Yang Zaiping, full-time vice president of the China Banking Association, said that by the end of the first quarter of 2010, the number of cards issued in China had reached 2.169 billion, a year-on-year increase of 14.9%. The utilization rate of bank cards has gradually increased, with card spending accounting for 30% of social consumption. By the end of 2011, the total number of bank cards issued exceeded 2.85 billion, up 18% year-on-year. Card consumption exceeded RMB 16 trillion, up more than 50% year-on-year, accounting for more than 40% of total retail sales of consumer goods, an increase of about 6 percentage points compared with 2010. 2011 saw the addition of more than 35,000 convenient payment outlets nationwide, and the addition of 147,000 direct link accepting merchants and 210,000 POS machines in secondary municipalities, bringing the cumulative total to 1,080,000 and 1,516,000 machines, respectively. million units.

In December 2015, the CBRC issued the Circular on Matters Related to the Banking Sector's Efforts to Combat New Types of Illegal Crimes on Telecommunications Networks (hereinafter referred to as the "Circular"), which stipulates that, since January 1, 2016, the same customer shall not, in principle, open more than four debit cards in the same institution (excluding social security type cards). At the same time, the Circular also stipulates that "the same agent shall not open more than three cards at the same commercial bank in principle. The debit card opened by the agent, the agent with his own valid ID card at the counter for the card can be used only after the activation.