foreword
Due to well-known reasons, Alipay WeChat has become more and more difficult to use recently. In addition to the amount, risk control is also related to the account scores and usage of both parties. The international cards, password red envelopes, appreciation codes and other risk controls used to avoid risk control are gradually being controlled. Plus code. In addition to Alipay and WeChat, the most commonly used one is UnionPay, but this device is directly linked to UnionPay cards, which is extremely risky. Another option is digital RMB, which does not have risk control at present, but many people are not in the pilot area, which is inconvenient to register. . So is there an independent all-purpose account (recharge, cash withdrawal, payment, transfer, repayment, consumption) that cannot be opened at the same time? The object of this investigation is the wallet business of the three major operators.
In addition, the product lines of the three major operators are indeed very similar. Note that their level is 123, and level 3 is the highest (probably because it was adapted from the star system), while mainland banks are 321, level 1 is the highest, and digital RMB is 4321, the highest level 1.
The highest level of the general operator wallet is level 3, and the target is the second-class bank account (Alipay, WeChat, MYbank, WeBank, the same principle in principle), which is also the maximum limit for remote opening in principle.
China Telecom Wing Payment
Limits
In the article on the code scanning test, it was mentioned that Yipay can make credit card payment for the Alipay collection code. There is no handling fee for both parties, and the daily limit for scanning the external code is 500 yuan.
can be seen
- Consumption 60,000/month
- Balance transaction 200,000/year
- Withdraw 250,000/day
- Recharge 1 million/month
- Transfer 60,000/month
- Credit card repayment 200,000/day
For consumption, transfer and credit card repayment with the balance, the limit of 200,000 should be deducted, and the limit should not be deducted for cash withdrawal. (All personal accounts share this quota through balance payment, and withdrawal is not limited by this quota.)
Then when I checked the credit card repayment, I found that only telecom users have a free credit card repayment of 100,000 per month, and a single transaction of 20,000 yuan (Postal Savings Credit Card)
The official comparison of the distinction between 23-level accounts
For other limits, see this big list
Send and receive money
WingPay can have a long-term valid collection code, of course, it can only support the same platform. The limit appears to be 500,000 RMB/year
Transfers can be made to other people’s bank cards and Yi payment accounts (via mobile phone number/email), but I found that I could not receive the verification code in that email.
Grading and Upgrading
To put it simply, a total of 3 telecommunication cards/bank cards + ID card + personal information = Level 3 account (1 is a Level 2 account)
China Unicom Wo Wallet
Limits
Unicom’s description is also very clear, and it is the same as Telecom, 123, the basic 200,000 rules are also the same as Telecom.
can be seen
- I didn’t say anything about consumption/transfer/credit card payment, but the 20-year customer service reply is “there is no upper limit on the daily monthly transaction amount and the number of transactions”
- Balance transaction 200,000/year
- Withdraw unlimited amount
- Recharge 100,000/month
Then when I repaid the credit card, I found out that each transaction was 20,000 RMB (Guangfa credit card), and told me that there was a 0.1% handling fee (the handling fee can be waived by opening the WO wallet rights)
In the introduction of Apple AppStore , recharge, transfer, cash withdrawal, and payment are convenient and fast, free of handling fees.
Send and receive money
There is also a payment code on the same platform, which can be used for a long time, but may only be paid with the balance. (Transfers should not be subject to this restriction)
Then the transfer is only by mobile phone number
China Mobile and Bao
Grading and Upgrading
Transfer, receive and withdraw money
It seems that you can experience merchants, but it is recommended not to move around. In addition, Yipay also has this function and supports aggregation codes.
The collection code of mobile and bag is not effective for a long time. I tested Ouke from China Unicom and China Telecom.
Withdrawals appear to be free.
Transfer support to card and other people’s Hebao account* with mobile phone number
Limits
Unlimited withdrawals.
Then at the credit card repayment office, I saw that the monthly balance limit is 50,000, while the Bank of China debit card has a limit of 10,000 per day, and Shanghai Pudong Development Bank has no additional limit of 1W, which may be related to the bank.
Other big platforms
JD Finance
You can transfer other people’s bank cards, 10,000 yuan per month for free, and 0.15% of excess
You can recharge and withdraw by yourself.
There is also a 0.15% handling fee when I repay my credit card, and I don’t have a free quota.
P2P transfers on the same platform are not open.
Meituan
You can only recharge, withdraw, repay by credit card, and consume by yourself. P2P transfers on the same platform are not supported.
Credit card repayment fee 0.1%
Pinduoduo
You can only recharge, withdraw, and consume by yourself. P2P transfers on the same platform are not supported, and credit card repayments are not supported.
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