The transfer will not arrive until 24 hours later."

From December 1, 2016, customers can transfer money through ATM self-service teller machines, in addition to transferring money to their own bank accounts. Fund transfers are processed 24 hours after acceptance. If the transfer account is a card of a certain bank, within 24 hours of acceptance, you can apply to the bank to cancel the transfer through the counter or by calling the customer service phone number. Extended information

On the morning of September 23, 2016, six departments jointly issued the "Notice on Preventing and Combating Telecommunications Network Fraud Crimes". According to the "Notice", starting from December 1, 2016, individuals who pass If a bank self-service teller machine transfers funds to an account with a different name, the funds will arrive within 24 hours.

The People's Bank of China issued the "Notice on Matters Concerning Strengthening Payment and Settlement Management to Prevent New Illegal Crimes in Telecom Networks" to comprehensively strengthen the real-name management of accounts, bank card business management and transfer management. It is clarified that starting from December 1, 2016, individuals who transfer money through self-service teller machines can apply to the card issuing bank to cancel the transfer within 24 hours after the card issuing bank accepts the transfer.

"Notice on Matters Concerning Strengthening Payment and Settlement Management to Prevent New Illegal Crimes in Telecom Networks"

2. Strengthening Transfer Management

(8) Adding Transfer Methods, Adjust transfer time. Starting from December 1, 2016, banks and payment institutions shall implement the following regulations when providing transfer services:

1. Provide depositors with real-time, ordinary, and next-day payment options. Select the transfer method, and the depositor can handle the business only after selecting it.

2. In addition to transferring funds to the account of my counterpart, if an individual transfers money through a self-service teller machine (including other self-service equipment with deposit and withdrawal functions, the same below), the card-issuing bank will process the fund transfer 24 hours after acceptance. Within 24 hours after the card issuer accepts the transfer, the individual can apply to the card issuer to cancel the transfer. The accepting bank shall provide clear reminders on the transfer business processing time and revocability provisions on the acceptance result interface.

3. When banks handle transfers for individuals through self-service teller machines, they should add Chinese voice prompts and set anti-fraud reminders through text, logos, pop-up windows, etc.; non-Chinese prompt interfaces should provide instructions for fund transfers, etc. Chinese prompts are provided for core key fields. If prompts cannot be provided, transfers are not allowed.

(9) Strengthen the management of bank non-counter transfers. Starting from December 1, 2016, when banks open non-counter transfer business for depositors, they shall sign an agreement with the depositor to stipulate the daily cumulative limit and number of transfers through non-counter channels to non-named bank accounts and payment accounts. and annual cumulative limit, etc. If the limit and number of transactions are exceeded, you should go to the bank counter for processing.

In addition to transferring funds to my peer account, if the bank handles non-counter transfer business for individuals, and the cumulative amount in a single day exceeds 50,000 yuan, it should use safe and reliable payment instruction verification methods such as digital certificates or electronic signatures. . If the daily cumulative amount of non-counter transfers in the bank accounts of organizations and individuals exceeds 1 million yuan and 300,000 yuan respectively, the bank should issue a reminder for large-value transactions, and the organization and individual can only transfer the money after confirmation.

(10) Strengthen payment account transfer management. Starting from December 1, 2016, when a payment institution opens a payment account for an organization or individual, it shall sign an agreement with the organization or individual to stipulate the daily cumulative transfer limit between payment account and payment account, payment account and bank account and If the number of transactions exceeds the limit and number of transactions, no further transfer business is allowed.

(11) Strengthen transaction background checks. If banks and payment institutions find that there are a large number of transfers in and out of their accounts, they should investigate the transaction background of the unit or individual in accordance with the "know your customer" principle. If abnormalities are found, relevant services provided to units and individuals should be adjusted in accordance with the principle of prudence.

(12) Strengthen the fund settlement management of special merchants. Banks and payment institutions that provide T+0 fund settlement services to special merchants shall strengthen transaction monitoring and risk management for special merchants, and shall not provide T+0 funds to special merchants who have been online for less than 90 days or whose continuous normal transactions after being online are less than 30 days. Billing Services.

Reference materials

Baidu Encyclopedia - Matters related to strengthening payment and settlement management to prevent new illegal crimes in telecommunications networks