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New regulations: Bank card overseas cash withdrawal transactions cannot exceed 100,000 per card per day, fixed at 10,000 yuan per day

时间:2018-01-02 15:54:11 Source: Economic Reference Time: 2018-01-02 15:54:11

The State Administration of Foreign Exchange issued the “Notice of the State Administration of Foreign Exchange on Regulating Bank Card Overseas Large-Scale Cash Withdrawal Transactions” (hereinafter referred to as the “Notice”) on December 30, 2017 to regulate bank card overseas large-value cash withdrawal transactions. A person in charge of the State Administration of Foreign Exchange said that the new regulation is mainly to improve the supervision of cross-border anti-money laundering, and it will not affect the convenience of foreign cardholders' overseas consumption and use of foreign exchange, nor will it affect the individual's foreign exchange purchase quota of 50,000 US dollars.

The "Notice" stipulates that starting from January 1, 2018, one is that individuals holding domestic bank cards to withdraw cash abroad, and the total number of bank cards (including supplementary cards) in my name cannot exceed the equivalent of 100,000 yuan in each natural year; The second is to unify the daily cash withdrawal limit of RMB and foreign currency cards per card to the equivalent of RMB 10,000 per day; the third is that individuals with domestic bank cards withdrawing cash overseas exceeding the annual limit will be suspended from holding this year and the following year Bank cards withdraw cash overseas; Fourth, individuals may not circumvent or assist in circumventing the management of cash withdrawal overseas by borrowing other people ’s bank cards or lending their own bank cards.

A person in charge of the State Administration of Foreign Exchange stated that the introduction of the regulation is mainly to regulate large-scale cash withdrawal transactions outside bank cards, and is a necessary measure for anti-money laundering, anti-terrorist financing, and anti-tax evasion. It can further prevent illegal criminal activities in the field of cash withdrawal by bank cards . "With the advancement of technology, non-cash payments have become increasingly popular and convenient. International regulatory experience also shows that large cash transactions are often related to criminal activities such as fraud, gambling, money laundering, and terrorist financing. For this reason, large amounts of money are generally strengthened globally. Cash management. The monitoring found that some individuals held large amounts of bank cards to withdraw large amounts of cash abroad, far exceeding the requirements for normal consumption payments, and were suspected of carrying out criminal activities. "The person in charge said.

The reason for setting the annual cash withdrawal limit overseas is 100,000 yuan. According to the above-mentioned person in charge, according to statistics, in 2016, 81% of domestic bank cards withdrawn overseas cash amounted to less than 30,000 yuan. "Setting the annual limit of 100,000 yuan per person for overseas cash withdrawals can not only meet the cardholders' normal cash withdrawal requirements overseas, but also restrain a small number of illegal and illegal personnel from withdrawing large amounts of cash." If the individual does have true compliance Demands for the use of large amounts of cash abroad can be handled in accordance with relevant foreign exchange management regulations such as the "Administrative Measures for Personal Foreign Exchange" and its detailed implementation rules, such as taking foreign currency cash out of the country after purchasing foreign exchange according to law.

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