彩票中奖后，奖金由哪个银行发放？直接打卡吗？答案来了

Core Viewpoint - The enthusiasm for purchasing lottery tickets among domestic residents has significantly increased due to the challenging economic environment, with lottery sales projected to reach 623.486 billion yuan in 2024, a year-on-year growth of 7.6% [1]. Group 1: Lottery Sales and Growth - In the first quarter of 2025, national lottery sales surged to 132.6 billion yuan, representing a 15.7% increase compared to the same period last year [1]. Group 2: Winning Odds and Prize Distribution - The probability of winning the first prize in the Double Chromosphere lottery is approximately 1 in 17.72 million, while the odds for the Super Lotto are even lower at 1 in 21.42 million [3]. - In the first five months of 2025, there were 623 instances of prizes exceeding 5 million yuan, averaging 4 winners per day [3]. Group 3: Prize Claiming Process - Different prize amounts require different claiming channels: amounts up to 10,000 yuan can be claimed at any sales outlet, while amounts between 10,000 and 500,000 yuan must be claimed at city-level lottery centers, and amounts over 500,000 yuan must be claimed at provincial lottery centers [5]. - Winners must undergo identity verification at the lottery center to prevent fraud, especially for prizes over 500,000 yuan, which requires valid ID and biometric verification [6][7]. Group 4: Taxation and Payment - Winners are subject to a 20% personal income tax on their winnings, which is withheld by the lottery center, meaning a winner of 5 million yuan would receive 4 million yuan after tax [10]. - Payments for prizes over 500,000 yuan are made via bank transfer rather than cash, ensuring security and privacy for the winners [11]. Group 5: Prize Disbursement Timeline - After verification and tax processing, the disbursement of prizes over 500,000 yuan typically takes 3 to 5 business days [14][17]. Group 6: Post-Winning Services - After receiving their winnings, winners may be invited to donate a portion to charity and are often offered professional financial services by banks, with approximately 65% of winners opting for such services [15].