广州银行二类电子卡

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广州银行开卡测评:建议下载APP办电子卡,每日限额1万元
Nan Fang Du Shi Bao· 2025-08-14 03:41
Core Viewpoint - The tightening of bank account opening processes to prevent telecom fraud and money laundering has led to excessive restrictions on transaction limits, causing concerns among users and varying experiences across different bank branches [1]. Group 1: Bank Account Opening Process - Banks are implementing stricter account opening procedures, which include mandatory anti-fraud education and confirmation for new account holders [1]. - The evaluation of eight bank branches revealed a significant disparity in service quality, with scores ranging from 59 to 90 based on efficiency, compliance, anti-fraud execution, and service quality [1]. Group 2: Transaction Limits - New account holders face transaction limits, with most banks setting single transaction and daily limits at 5,000 yuan, with some banks allowing for limit increases after 3-6 months of account activity [1]. - The excessive restrictions on transaction limits have been identified as a major pain point for users, impacting their overall banking experience [1]. Group 3: Customer Interaction - Bank staff are actively inquiring about the purpose of account openings and the financial background of customers to mitigate fraud risks, which can lead to a lengthy account opening process [4]. - The interaction between customers and bank staff includes discussions about alternative banking options, such as electronic cards with lower transaction limits, which may not meet customer needs [4].