Core Viewpoint - Several banks in China are tightening their no-card deposit and withdrawal services, with over 50 banks having announced the suspension of various no-card services in the past year, citing reasons such as optimizing financial services, risk management, and cost efficiency [1][2]. Group 1: Bank Actions - China Merchants Bank will stop its ATM QR code deposit service starting April 9, requiring customers to use bank cards for deposits [1]. - Major state-owned banks, including Industrial and Commercial Bank of China, have already suspended no-card cash withdrawal services since April 2022, with other banks like Bank of Communications following suit [3]. - In the second half of last year, several joint-stock banks and leading city commercial banks, such as Minsheng Bank and Industrial Bank, also announced the cessation of no-card withdrawal functionalities [4]. Group 2: Reasons for Changes - The shift away from no-card services is attributed to the low security of identity verification methods used in these transactions, as well as the limited demand from customers for such services [6]. - The rise of mobile payments has led to a decrease in cash usage, prompting banks to close ATM QR code deposit functions to enhance customer fund security and streamline service processes [5]. Group 3: Industry Implications - The adjustments in no-card services are expected to have a minimal impact on banks, as customers can still utilize other methods for deposits and withdrawals [6]. - The changes are seen as a way for banks to improve risk management and reduce operational costs, while also exploring digital technology to enhance service levels and optimize ATM functionalities [6].

来源：21世纪经济报道 你有多久没用过ATM扫码存款了？ 日前，招商银行发布公告称， 该行将于4月9日起停止ATM扫码存款服务 ，后续，客户可持银行卡，通过招商银行ATM或前往该行营业网点办理存款业 务。 近年来， 多家银行都在收紧无卡存取款业务 。谈及调整此类业务的原因，多家银行表示，是基于优化金融服务、风险管理以及成本效率等方面的考量。 01 近一年来，超50家银行暂停各类无卡业务 据不完全统计，近一年来已经有超过50家银行机构宣布，停止无卡存款、无卡取款、扫描取款等各类业务。 去年三、四月份 多家国有大行率先作出调整 比如， 工商银行 率先表示，其个人手机银行无卡取现功能已于去年4月17日起暂停服务，客户可通过ATM机手机银行扫码取现功能提取现金，或在ATM机 上插卡提现。 交通银行 随后发布公告称，于2024年5月24日起停止个人手机银行无卡取款功能中的预约取款服务。客户仍可通过交通银行智能机具办理有卡取款、扫码 取款或前往银行营业网点办理取款业务。 去年下半年 多家股份行、头部城商行持续跟进 去年6月4日， 民生银行 发布公告称，将于2024年6月7日起停止个人手机银行"ATM无卡取现"功能，现金机 ...