With the popularity of mobile payment, many people have become accustomed to using bank cards to collect wages and consumption, and when saving money, they will also deposit fixed deposits through mobile banking, and choose bank cards as a medium. However, the passbook has not disappeared, and there are still many people who habitually use the passbook as a medium for savings, especially some elderly people.So when the elderly save money, should they use a bank card to save it or use a passbook to save it?Here comes the answer
From the point of view of security
Sometimes we will see some information, some people just received a scam**, or clicked into a link and entered the password and other information, and the money was transferred by others. Someone loses their bank card, and the person who picks it up tries out the password and can even withdraw the money.
The passbook is different, when a person encounters wire fraud, if the funds are in the passbook, if you want to transfer the money to the other party, you need to go to the bank counter to handle the business, at this time it is possible to be found by the bank staff abnormality, and stop it in time.
When a person picks up a passbook and wants to take out the money inside, he also needs to go to the bank counter to handle business, and at the same time, he also needs certain documents. Therefore, from the perspective of security, passbooks are better than bank cards.
From the point of view of convenience
From the perspective of convenience, which of the two is more convenient depends on the specific needs of an elderly person. Because the elderly are actually a large group, there are nearly 300 million elderly people over the age of 60 in China. Among the elderly, there are not only the elderly who know nothing about mobile payment and still use the button machine, but also those who can keep up with the times and adapt to mobile payment.
For some elderly people, if they are not comfortable with mobile payment and are not very good at operating ATMs, it is better to keep their money in a bank passbook. However, if the elderly are accustomed to mobile payment, it is more convenient to keep the money in a bank card from the perspective of convenience.
Judging by the richness of features
From the point of view of the richness of functions, the function of the passbook is relatively small, and the money is stored in the bank card, in addition to depositing and withdrawing money, you can also use part of the funds to buy **, bank wealth management, savings treasury bonds, etc. If the elderly have a lot of needs besides depositing and withdrawing money, they can deposit the money in a bank card. However, if the needs of the elderly are relatively small, and the needs can be met with a passbook, there is nothing wrong with using a passbook.
From the point of view of profitability
From the point of view of profitability, there is often no difference in the interest rate level between storing money in a passbook and storing it in a bank card.
However, if you do not choose to continue to transfer the money when you save it, after depositing the money in the passbook, the interest will be calculated according to the current deposit interest rate after maturity, and you need to go to the bank as soon as possible to transfer the money to a new fixed deposit. Depositors do not always have time to go to the bank to handle business, and if they come and go, they may delay a period of time to make money.
However, if the medium chosen at that time is a bank card, the depositor can carry out the operation of current account to fixed time through mobile banking at any time after the expiration, and try not to let the funds stay in the current deposit in vain.
In addition, some banks may be far away from depositors and need to travel a long distance to successfully deposit money, and there may be transportation costs. If you keep your money in a bank card, you don't need to pay these transportation costs. For some people, if the money is stored in the bank card, it is also very convenient to increase the value of part of the funds in some other ways to get more passive income, such as savings treasury bonds, bank change and wealth management, some general trend of foreign trade and economic consignment, 100,000 yuan per month 1,000 yuan profit.
In short, when the elderly save money, if they value security, the passbook is better. If you value convenience, it may be more cost-effective to have a bank card.