You also need to bring a bank card

What else do you need to bring besides your ID card to open an account? When opening an account, do you need to bring the money to buy your first stock? Can't you open an empty account first? Can't I make a debit with a bank card? Will Bank of China apply for a new bank card for me? Extremely urgent! ! ! Please Baidu for guidance. .

You don’t need to bring money when opening an account. You can open an account without buying stocks, there are no restrictions.

You can open an empty account first. After opening the account, you can use the bank card Transfer money..

If you don’t have a bank card, you can apply for a new bank card...

Don’t worry, opening an account is very simple, and someone will guide you throughout the process. .

Some people upstairs said that they want to open online banking to facilitate transfers. This is pure nonsense and misleads newcomers.

Because they are not full-time account managers of securities companies and do not understand.

You do not need to open a bank card through online banking, ordinary bank cards can be used.

Frequently asked questions about opening an account are as follows: My own experience

If investors need to enter the market Stock trading ||Must open a securities account first||Usually speaking, stock trading refers to A-share trading||A-shares are traded in RMB||B-shares are traded in foreign currencies, and generally domestic investors participate less||

Answers to frequently asked questions about stock account opening:

1: Age limit for opening an account?

Answer: You must be over 18 years old, based on the date of birth on your ID card ||

2: Question about account opening time?

Answer: In smaller places, you can open an account by going to the securities company’s sales department during working hours from Monday to Friday (9 am to 5 pm) || In some cities, account opening procedures are available from 9 am to 5 pm from Monday to Friday and from 9 am to 5 pm on weekends ||

3: How much is the account opening fee?

Shenzhen Securities Account Card is 50 yuan, Shanghai Securities Account Card is 40 yuan, and one fee is 90 yuan || Some places may offer discounts and charge 55 yuan || Or open one and get one free, for example, open a Shanghai Securities account and get a Shenzhen Securities account Or open a Shenzhen securities account and get a Shanghai securities account, so the account opening fee is 40 yuan or 50 yuan; some cities with a small number of securities companies may charge a 90 yuan account opening fee || Shenzhen, Shanghai, Guangzhou, Beijing, Tianjin, Wuhan and other places No more account opening fees || The account opening fee will be advanced by the sales department for you, you don’t need any money to open an account ||

Four: What information is needed to open an account?

Answer: Second-generation status Just add an ordinary bank card to your ID card || If you don’t have a second-generation ID card, you can open an account with your first-generation ID card, but you need auxiliary documents, such as a driver’s license, residence permit, etc. ||

Five: Bank card Do I need to open online banking? Which banks can?

Answer: You don’t need to open online banking, an ordinary bank card will do || It doesn’t matter if you open online banking. Bank-securities transfers are different from online banking || China Agriculture Bank, Industrial and Commercial Bank of China || Bank of China, China Construction Bank, Bank of Communications, Shenzhen Development Bank, Shenzhen Ping An Bank, China Merchants Bank, Hua Xia Bank, Industrial Bank, China Everbright Bank, CITIC Bank, China Minsheng Bank, Guangdong Development Bank, Shanghai Banks, Bank of Tianjin, Shanghai Pudong Development Bank (Shanghai Pudong Development Bank) || One to seventeen banks ||

Six: How much money do you need to deposit to open an account?

Answer: You can open an account without depositing money. You can also open an empty account without depositing a penny. || There is no restriction on this || However, it is recommended that you deposit one yuan in your bank card and transfer the money through a bank transfer after opening the account. Transfer this dollar into the stock capital account, and then transfer it out, and familiarize yourself with the bank-securities transfer operation process ||

Seven: How much money can I buy stocks?

Answer : The stock exchange stipulates that when buying stocks, you must buy at least one lot or an integer multiple. One lot is equal to 100 shares || The cheapest stock, Agricultural Bank of China, costs more than 2 yuan per share. One hundred shares costs more than 200 yuan, so 300 yuan is enough. You can buy stocks, but the barriers are very low || But there is no point in investing 300 yuan in stocks, you can’t make money, it is only suitable for familiarizing yourself with the stock trading process ||

Eight: No need to open an account Will there be any impact? Will the annual fee be deducted?

Answer: There will be no impact if you open an account and don’t use it. If you don’t have funds, the account will be automatically closed after three years if you don’t operate it || As long as you don’t trade or buy stocks, There will be no fees || There is no annual fee, no annual fee will be deducted || On the contrary, many bank cards will not even deduct the annual fee after being bound to a third-party depository || The annual fee is waived || But Not all banks waive annual fees||

9: Do you open an account at a bank?

Answer: No||In a bank, there are only resident account managers of securities companies or securities companies Brokers, they will accompany you throughout the process of opening an account, but you have to go back to the sales department of the securities company to do so.

You can open an account || Banks are just a channel for securities companies to develop customers || When you find the account manager or securities broker of a securities company in a bank and want to open an account, they will take you back to the sales department to go through the account opening procedures || You must go, You need to take photos at the sales department, set the transaction password, sign and fill in the form ||

10: Do you have to go to the sales department of a bank or securities company for stock trading?

Answer: No need to go! You can do it yourself You can buy and sell stocks on your computer || You can also buy and sell stocks through mobile stock trading software! You can trade directly online, anytime, anywhere, at home ||

11: How long does it take to open an account?< /p>

Answer: After entering the sales department, if there is no queue to wait, it only takes 30 minutes from filling out the form to completing the process || It’s hard to say how long it takes to go to the sales department! If your account manager tells you It only takes three to five minutes to walk, so you should walk for more than ten minutes || If he says it takes 20 minutes by car, maybe you can’t reach the sales department even if you take 60 minutes by car || I won’t say more about this, you know! It’s far away You might not go!

Thirteen: Would it be cheaper to go to the sales department to open an account by yourself? Will there be an intermediary fee through an account manager or securities broker?

Answer : If you go to the sales department to open an account by yourself, even if it is a natural account, you will not enjoy one-on-one service from an account manager or securities broker. Then if you have any questions in the future, just call the customer service number or ask Baidu! Go to your door to open an account by yourself The fees are generally relatively high || For example: Guosen Securities generally charges three thousandths, China Investment Securities, GF Securities, and Galaxy Securities default to one and a half thousandths, and China Merchants Securities’ fees range from one thousandth to three thousandths. , Guotai Junan is also between one thousandth and three thousandths||If you ask an account manager or securities broker to take you to open an account, the commission can be negotiated. In Shenzhen, it can be less than one thousandth||Others The location is not necessarily different || So there is no such thing as an intermediary fee. It is cheaper to open an account through an account manager or a securities broker, with more discounts and good follow-up service! So if you open an account, do not go to the sales department by yourself | |

Fourteen: What should I do if I don’t know how to trade stocks when I open an account?

Answer: After opening an account, an account manager or securities broker will provide one-on-one guidance services || Can answer! (If you go to the sales department to open an account by yourself, there will be no one-to-one service.) So before opening an account, you need to find an account manager or securities broker who will be helpful in stock trading after you open an account! Your follow-up service It’s all provided by him, and you must consider whether his professional knowledge passes the test! So if you have any questions, just ask and see if he is patient enough, whether his answers are professional and coherent, and whether he can answer all your questions, otherwise , don’t choose him to be your account manager or securities broker! A person who can’t even answer the questions of new investors must have insufficient professional knowledge!

Fifteen: How to choose a securities company?

Answer: Of course the securities companies are those close to your home, large in scale and with low handling fees! The services are similar, nothing more than some market analysis, individual stock recommendations, new stock announcements and other SMS messages! These are all All securities companies can provide information! There is no god in the stock market, so these short messages may be of some use to new investors, but they are basically nonsense to old investors! After a long time, you may even think that these are spam messages, which is very annoying. ! Big securities companies are not necessarily good, and small securities companies are not necessarily bad! As long as the handling fee is reasonable and the service satisfies you, it will be fine ||

16: Is it possible to open an account online?

Answer: No || You can make an appointment to open an account online! To open an account, you need to go to the sales department in person. You need to scan the authenticity of your ID card, take a photo, and set a password, so you must go to the sales department in person! If you have 100 If you want to open an account in another city, you don’t need to go to that city to open an account in person, but you only need to go to the sales department of the same local securities company to apply || For example, if someone wants to do business with us If someone wants to open an account for a department, but it is not convenient for him to come in person, then we can entrust our company's local sales department to handle the account opening procedures for him! However, it is very troublesome to entrust the account opening. If the customer fails to do so, it will be in vain! ( It is not clear whether other securities companies can entrust account opening)||It is recommended that you open an account locally!

Seventeen: Can I buy and sell stocks after opening an account?

Answer: Shenzhen stocks are available on the same day, Shanghai stocks are available on the next day ||

18: After opening a stock account, can I still use it when I go out of town?

Answer: Of course! Stocks are bought and sold online || It can be used normally even when I go out of town, with no additional fees||Except for banks A handling fee will be deducted for card withdrawals from other places!

Nineteen: Can I open multiple stock accounts?

Answer: You can open unlimited numbers in Shenzhen, but you can only open one in Shanghai. One ||

Twenty: Is it okay to open an account in one place and bind it to a bank card in another place?

Answer: Yes! You can bind a local bank card to Go to the sales department to unbind the three-party binding before going out of town, and rebind a new bank card when you go out of town||

Twenty-one: What should I do if my ID card is opened by someone else?

Yes First go to the sales department of any securities company to check your shareholder information, and then cancel the account|| and then re-open the account!

Twenty-two: The account has been opened and transferred, how to transfer it?

< p>Answer: 1. Cancel the designated transaction in the Shanghai market at the original account opening sales department.

2. Transfer the account stocks in the original account opening business department to the seat number of our securities business department where the account will be opened

3. After completing the above procedures, follow step 1 to open an account Go through the account opening procedures at our securities business outlets.

After completing the above account opening procedures, you will become our securities trading customer. You can use the self-service entrustment system, telephone entrustment system, and online trading entrustment system of our securities business departments (our securities online business hall, our securities online trading software) and mobile trading software to conduct transactions in A-shares, closed-end funds, open-end funds, warrants, bonds and other trading products.

Twenty-three: What are the fees for buying and selling stocks after opening an account? How are they charged?

Answer: According to the "Notice on Adjusting the Standards for Charging Commissions for Securities Transactions", starting from May 2002 Starting from March 1, the trading commissions for A shares, B shares, and securities investment funds will implement a downward floating maximum ceiling. (Shenzhen) Commissions charged by securities companies from customers (including securities transaction supervision fees and stock exchange handling fees collected on behalf of others) are usually called fees. Shenzhen charges 0||2175‰ and Shanghai charges 0||1875 ‰) shall not be higher than 3‰ of the securities transaction amount, nor shall it be lower than the securities transaction supervision fees and stock exchange handling fees collected on behalf of the agency. (Shenzhen) If the commission for each transaction of A shares and securities investment funds is less than 5 yuan, it will be charged at 5 yuan; if the commission for each transaction of B shares is less than 1 US dollar or 5 Hong Kong dollars, it will be charged at 1 US dollar or 5 Hong Kong dollars || According to the above notice It can be seen that stock commissions can theoretically only float between 3‰~0||2175‰||Detailed fees: Charge items Shenzhen A shares: Commission is less than or equal to 3‰ Starting point: 5 yuan. (Shenzhen) (In other words, if you buy a small amount and the commission fee based on the commission ratio is less than five yuan, it will be charged as five yuan) Stamp tax 1‰ Transfer fee None

Shanghai A shares : Commission is less than or equal to 3‰ Starting point: 5 yuan. (Shenzhen) Stamp duty 1‰, transfer fee 1‰ (calculated based on the number of shares, one yuan per 1,000 shares, the minimum charge is one yuan)

The starting point of 5 yuan means that the minimum commission for buying and selling stocks is 5 yuan. This is the lowest price. For example, when taking a taxi, there is a starting price of 10 yuan for a distance of 3 kilometers. Then if you take a taxi for one kilometer, two kilometers, or less than three kilometers, you will be charged the starting price of 10 yuan! Using the online trading system, you can go to the trading terminal to check the delivery order and find out the actual fees charged by the brokerage. The commission divided by your transaction amount is the commission. (Shenzhen) Check the delivery. The delivery note is very detailed. What are the commissions, fees, stamp duties, and transfer fees?|

If you still have questions, you can continue to ask