办理一张日转账额度5万元的一类银行储蓄卡有多难？日前，南都7位记者分别前往珠海7家不同银行开 卡，最终仅一人完成目标。 由于缺乏标准一致、清晰明确的规范和细则，银行一线工作人员在办理群众开卡业务和执行风险防控时 尺度往往不一，相当程度需依赖于过往经验、业务能力，需要业务员在一定范围"自由裁量"，无形中将 办卡群众置于不确定性中——此次测评中，记者办卡"如开盲盒"，同一业务，不同银行、不同网点的资 料要求相差很大，办理的银行卡日交易额度大相径庭。 近年来，电信诈骗、洗钱等犯罪高发，银行作为资金流转的"第一道闸门"，确实需要强化风控。但"风 控"不等于给群众"添堵"，依赖强制限额等"一刀切"做法，既增加了用户负担，也降低了服务效率，由 此引发的投诉屡见不鲜。新时代、新起点，这种相对粗放的模式难以满足人民群众日益增长的金融需 求。 7月2日出街的南都"珠事测评"最新一期报道，聚焦银行开卡服务进行体验实测，结果令人唏嘘。同一个 业务，同一家媒体的记者，相同的开卡理由，但因银行网点的不同，体验也不尽相同甚至大相径庭：最 快仅用10分钟完成开卡，最高日限额5万元；最慢被卡一个多小时，日转账限额一千元；有的银行网点 在确认 ...

Core Insights - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, leading to concerns about excessive restrictions on transaction limits and service quality [1] Group 1: Bank Evaluation - A survey was conducted in Zhuhai, where seven banks were evaluated on their account opening services, focusing on efficiency, compliance, fraud prevention, and service quality [1] - The evaluation revealed a significant disparity among the banks, with scores ranging from 55 to 95, indicating that some banks provided efficient and smooth services while others imposed excessive restrictions and lengthy processes [1] Group 2: Specific Bank Case Study - The Shanghai Pudong Development Bank's Zhuhai Jida branch was assessed on June 25, taking approximately 1 hour and 4 minutes to complete the account opening process [3] - During the process, the bank required the customer to provide various personal details and complete multiple forms, which contributed to the lengthy wait time [5] - The bank's system mandated the binding of at least two internet platforms during the account setup, which raised concerns about customer experience and service efficiency [7][8]