11月1日起，银行存取金额超过50000元，个人这2点需要告知银行

Core Viewpoint - The new regulation on large cash transactions will take effect on November 1, 2025, requiring individuals to disclose the source or purpose of cash transactions exceeding 50,000 RMB to banks, aiming to enhance financial security and prevent illegal activities [1][3]. Group 1: Regulation Details - The regulation mandates that individuals must explain the source of funds for deposits and the purpose for withdrawals when transactions exceed 50,000 RMB [3]. - The regulation aims to combat money laundering, tax evasion, and illegal transactions, thereby maintaining the stability of the financial system and protecting depositors from fraud [3]. Group 2: Preparation for Transactions - Individuals should prepare relevant documentation in advance, such as proof of fund sources for deposits (e.g., property sale contracts) and purpose explanations for withdrawals (e.g., renovation contracts) [7][8]. - It is essential to fill out the cash transaction registration form accurately to avoid complications in processing transactions [9]. Group 3: Transaction Timing and Methods - It is advisable to avoid peak hours for banking transactions, typically at the beginning and end of the month, and during specific times of the day [12]. - Individuals are encouraged to use non-cash payment methods, such as bank transfers, to avoid the need for large cash withdrawals [13]. Group 4: Variability Among Banks - Different banks and regions may have varying requirements for processing large cash transactions, with some being stricter about documentation than others [15].