為何台灣辦理約定帳戶必須臨櫃 而且只能匯出? - 銀行

By Sarah
at 2013-06-20T20:43
at 2013-06-20T20:43
Table of Contents
美國網銀的約定帳戶是:
在其中一個線上帳戶中增加認定另一銀行帳戶,
錢就可以雙向匯款。
自己不同銀行帳戶間的跨行轉帳(ACH),不必手續費,
最常見的認證方式是(假設在銀行A申請約定另一銀行帳戶B):
銀行A投兩筆小款存入銀行B(以後會自動轉回來,不會虧錢),
使用者進入B讀這兩筆數字,
在A介面上把數字填入認證欄。
認證成功後,
從此我就可在A介面上把A錢轉到B,也可把B錢轉到A。
在台灣,為了能夠進行雙向高額匯款,
我必須跑兩家銀行。
又,若希望自己所有帳戶都能互通,
我每辦第n個銀行帳戶(開帳戶也得臨櫃),
就得跑其他n-1個銀行(如果想省手續費。如果沒有手續費,我就A轉B,再轉C即可)。
請問台灣為何不能採美國那種方式?
是程式能力與網路安全不足嗎?還是受政府政策限制?
(聽說開帳戶必須臨櫃,是因為政府政策。)
--
在其中一個線上帳戶中增加認定另一銀行帳戶,
錢就可以雙向匯款。
自己不同銀行帳戶間的跨行轉帳(ACH),不必手續費,
最常見的認證方式是(假設在銀行A申請約定另一銀行帳戶B):
銀行A投兩筆小款存入銀行B(以後會自動轉回來,不會虧錢),
使用者進入B讀這兩筆數字,
在A介面上把數字填入認證欄。
認證成功後,
從此我就可在A介面上把A錢轉到B,也可把B錢轉到A。
在台灣,為了能夠進行雙向高額匯款,
我必須跑兩家銀行。
又,若希望自己所有帳戶都能互通,
我每辦第n個銀行帳戶(開帳戶也得臨櫃),
就得跑其他n-1個銀行(如果想省手續費。如果沒有手續費,我就A轉B,再轉C即可)。
請問台灣為何不能採美國那種方式?
是程式能力與網路安全不足嗎?還是受政府政策限制?
(聽說開帳戶必須臨櫃,是因為政府政策。)
--
Tags:
銀行
All Comments

By Rebecca
at 2013-06-24T22:51
at 2013-06-24T22:51

By Charlie
at 2013-06-25T17:11
at 2013-06-25T17:11

By Ida
at 2013-06-30T05:16
at 2013-06-30T05:16

By Vanessa
at 2013-06-30T11:34
at 2013-06-30T11:34

By Daph Bay
at 2013-07-03T17:26
at 2013-07-03T17:26

By Jessica
at 2013-07-07T00:57
at 2013-07-07T00:57

By Ula
at 2013-07-09T21:53
at 2013-07-09T21:53

By Freda
at 2013-07-10T22:45
at 2013-07-10T22:45

By Sandy
at 2013-07-14T04:04
at 2013-07-14T04:04

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at 2013-07-15T22:19

By Aaliyah
at 2013-07-16T21:32
at 2013-07-16T21:32

By Enid
at 2013-07-19T09:28
at 2013-07-19T09:28

By Todd Johnson
at 2013-07-23T03:42
at 2013-07-23T03:42

By Vanessa
at 2013-07-25T20:30
at 2013-07-25T20:30

By Isla
at 2013-07-29T21:21
at 2013-07-29T21:21

By Harry
at 2013-08-02T23:06
at 2013-08-02T23:06

By Ethan
at 2013-08-05T16:16
at 2013-08-05T16:16

By Andrew
at 2013-08-07T09:54
at 2013-08-07T09:54
偷光錢了 我到你帳號在線上新增轉到我的帳戶 就把你錢都
偷走了

By Elma
at 2013-08-12T08:22
at 2013-08-12T08:22

By Damian
at 2013-08-17T05:58
at 2013-08-17T05:58
這麼容易就被盜的做法 哪有銀行會害自己的

By Elma
at 2013-08-19T16:35
at 2013-08-19T16:35

By Caroline
at 2013-08-20T08:10
at 2013-08-20T08:10

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at 2013-08-22T00:21
at 2013-08-22T00:21

By Quintina
at 2013-08-22T15:30
at 2013-08-22T15:30

By Jacky
at 2013-08-23T22:55
at 2013-08-23T22:55

By Oscar
at 2013-08-26T07:51
at 2013-08-26T07:51

By Catherine
at 2013-08-27T17:13
at 2013-08-27T17:13

By Ida
at 2013-08-28T22:17
at 2013-08-28T22:17

By Kumar
at 2013-08-30T03:01
at 2013-08-30T03:01

By Kelly
at 2013-08-31T10:03
at 2013-08-31T10:03

By Andrew
at 2013-09-03T02:49
at 2013-09-03T02:49
防範 網路交易一點都不安全 要靠很多限制和機制來控制風
險

By Hazel
at 2013-09-07T19:34
at 2013-09-07T19:34

By Anonymous
at 2013-09-09T17:42
at 2013-09-09T17:42

By Ursula
at 2013-09-13T21:51
at 2013-09-13T21:51

By Harry
at 2013-09-16T07:57
at 2013-09-16T07:57
亞洲的銀行OTP和PKI都有

By Adele
at 2013-09-17T23:26
at 2013-09-17T23:26

By Dinah
at 2013-09-21T14:23
at 2013-09-21T14:23

By Tracy
at 2013-09-22T00:40
at 2013-09-22T00:40
為主流驗證方式 亞洲很多用簡訊OTP

By Heather
at 2013-09-23T19:28
at 2013-09-23T19:28
低額度轉帳)後, 打電話改約定戶(他們叫高額度轉帳)

By Queena
at 2013-09-25T12:12
at 2013-09-25T12:12

By Enid
at 2013-09-28T03:25
at 2013-09-28T03:25

By Delia
at 2013-10-01T23:29
at 2013-10-01T23:29

By Connor
at 2013-10-03T22:02
at 2013-10-03T22:02

By Aaliyah
at 2013-10-04T07:19
at 2013-10-04T07:19

By Ethan
at 2013-10-07T07:39
at 2013-10-07T07:39

By Iris
at 2013-10-11T03:59
at 2013-10-11T03:59

By Carolina Franco
at 2013-10-14T20:49
at 2013-10-14T20:49

By Kama
at 2013-10-18T01:33
at 2013-10-18T01:33

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at 2013-10-18T21:20
at 2013-10-18T21:20

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at 2013-10-21T22:30
at 2013-10-21T22:30

By Liam
at 2013-10-26T03:49
at 2013-10-26T03:49

By Kelly
at 2013-10-27T23:38
at 2013-10-27T23:38

By Ula
at 2013-11-01T11:02
at 2013-11-01T11:02

By Michael
at 2013-11-03T17:41
at 2013-11-03T17:41

By Jessica
at 2013-11-05T04:23
at 2013-11-05T04:23

By Oscar
at 2013-11-05T20:48
at 2013-11-05T20:48
郵寄過來

By Todd Johnson
at 2013-11-09T23:55
at 2013-11-09T23:55
辦理...
不用去銀行又填一堆東西

By Ida
at 2013-11-13T04:27
at 2013-11-13T04:27

By Charlie
at 2013-11-15T10:02
at 2013-11-15T10:02

By Caitlin
at 2013-11-17T16:17
at 2013-11-17T16:17

By Aaliyah
at 2013-11-17T18:48
at 2013-11-17T18:48

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at 2013-11-19T02:13
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at 2013-11-21T18:23
at 2013-11-21T18:23
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