無摺戶使用心得分享 - 銀行
By Todd Johnson
at 2011-07-21T23:36
at 2011-07-21T23:36
Table of Contents
相信板上資深板大們對於「無摺帳戶」這產品,應該已感到不怎麼新鮮了,
但對於不少沒跟上銀行業動態的客戶而言,這名詞還是顯得稍許陌生,
小弟就以自己短期內的使用經驗,在此向各位獻上一篇簡文。
先來亂扯一下~
大家應該多少了解,銀行業其實就是個很簡單的行業(單就業態的獲利模式而言),
獲利就是靠借/貸款的利差,還有其他基本交易或衍生業務的手續費而來,
台灣的銀行目前仍以前者為主,所以通常得有龐大存款量的行庫,才能吃得到這種
穩定的利差收益。
再者銀行業又不像製造業,必須投資、建置昂貴的儀器設施才能營運生產,
銀行業的主體其實就是"行員的頭腦",因此人事費用理所當然成了主要的營運成本,
加上最近幾年,銀行業競爭廝殺激烈,不僅外部環境嚴峻(近零利率的市場),
就業務拓展而言,以往銀行業者導向的地位已早已今非昔比,在資金過剩的當今,
貸方的議價力量已經高於借方,銀行業再也無法輕鬆「坐以待幣」了,該怎麼辦咧?
其實銀行業產品的創新就是這樣摸出來,既然無法「開源」,那就開始「節流」囉,
無摺帳戶這玩意兒大概就是在這樣的背景下誕生的。
扯那麼多,到底跟主題無摺戶有什麼關係?很簡單,其實無摺戶的用意,就是有點變相的
「人力外包」,把以往有摺戶的相關業務(存提匯兌),外包給其他人去做,只不過並不
是外包給人力公司,而是銀行自己的客戶!
也因為這個原因,無摺戶多半有下列特色:
1. 無摺:廢話!不然怎麼叫「無摺戶」咧XD~好啦不亂,其實無摺最大的用意就是把
客戶靠著拿存摺上櫃台要求服務的傳統關係做劃分,一來減低行員無創價工作的量,
二來則是也環保。試想,如果有1萬個人無摺戶,可以省下多少存摺的印刷量?(還
不包括後續免除換摺成本的效益!)
2. 免(低)跨行手續費:當然啦,單單無摺怎麼說服客戶辦呢,當然要祭出一點誘因,而
最普遍的就是跨行轉帳、提款或刷卡消費等免手續費或送回饋金。
3. 高利息:延伸自上述基礎,因為少了行員幫客戶服務,長期下來自然可以省下一筆人
事費用,聰明一點的銀行,就會將這些節省的成本與顧客共享,而最實質的回饋除了
交易手續費優惠以外,當然就是相較於市面一般有摺活儲戶較高的利率了。
4. 其他搭配活動:由於無摺戶多半就是搭配Visa金融卡,而VD可以扣款消費,部分業者
為了大力推卡,就會與消費產業的品牌或通路合作,推出限時定量的各種優惠。這部
份,當然也是傳統的存摺戶沒有的福利,但操作上則近似信用卡的方式。
OK,以下開始切入正題心得分享OTZ
前一陣子手癢,加上剛好有一筆不想被綁活存但又不小的金額,
於是去開了台新iRainbow,至此除了永豐無摺和遠東FE之外,
大概市面上主要的無摺戶都有了,其他分別是:
1. 台北富邦 - V banking(2010.02開)
2. 渣打 - e$aver(2011.01開)
3. 匯豐 - HSBC Direct(2011.02開)
後來爬了歷史資料,發現SC和HSBC都錯過剛推出時超高利的精采期,也就是2%多的
上市期,真殘念啊OTZ~(詳可爬文或參閱板上精華區)
好吧,錯過了就是錯過了,以下分別就帳戶特點、交易優惠、利率、持卡福利和網銀
功能,給個分數(滿分10分),也說明自己的看法~(以下內容基準時點2011年7月喔!)
1. 台北富邦 V Banking:
(1) 帳戶特點:沒啥特點...真的啦,除了北富銀提款機有稍微多一點提款方便點= =
目前除了有紅利積點可以去他們MOMO購物網兌換,真的想不出什麼特點~(但我
我根本沒興趣啊OTZ)
(2) 交易優惠:每月跨提3次、跨轉2次免計費,還算不錯。我目前就是固定放個1千
元左右,出外找不到郵局提款時,就可以方便點。
(3) 利率:0.31%,較一般活儲稍高,但在我目前手邊無摺戶裡是最低的。
(4) 持卡福利:一樣沒啥福利,多半是VD共同簽約合作的商家(每家銀行都有那種)
(5) 網銀:功能很齊全(聽說是全國最早推網銀的?),但沒台銀的亂,色調和介面
設計視覺上很舒服,呈現的功能和使用方式也容易上手,運作速度算快,除了普
遍都有的基金、信託、定存或保險皆可線上承做外,有開證券戶的話還可以互通
,頗能體現富邦金朝向「金融百貨」把用戶市場一網打盡的理念。
整體評價:7分
2. 渣打 e$aver:
(1) 帳戶特點:名稱吧,滿有創意的XD
(2) 交易優惠:每月10次跨行提款轉帳免手續費(合計),個人覺得很夠用,每次都
是直接把薪資戶的錢轉到這裡,再分批轉到其他方便提領或繳費的帳戶。一方面
,渣打這樣的做法,可以彌補自己家提款機不足的劣勢,算是聰明之舉。
(3) 利率:0.38%每月配息,大概從上市期調降後就沒變過了,但目前來講算是頗優,
而且給得很誠實,仔細算過後的結果發現幾乎是一毛不差~
(4) 持卡福利:不限額度每月饋上月消費金總額0.5%,回饋無上限。這我也滿愛的!
(5) 網路銀行:操作簡單,但是字有點小,大概是唯一美中不足的地方。另外,我也
發現轉帳後,帳戶的餘額似乎要幾分鐘才會更新,而不是立即?(相較於北富銀)
(6) 其他:電話客服接通速度稍微慢了一點,曾經有一次被掛過電話,不是很禮貌。
整體評價:8.5分
3. 匯豐 HSBC Direct:
(1) 帳戶特點:「望文生義」,這是一個非常Direct的帳戶,基本上就是只有在開戶
和結清時才需要臨櫃(話說匯豐有「櫃」嗎?XD),平常就得自食其力。這產品
據說是在國外行之有年之後才在台上市,算是無摺滿經典的代表作。
(2) 交易優惠:每月50次跨行轉帳,次數應該是目前最多的,但前提是只有透過線上
HSBC Direct的專屬網銀轉帳才能,而且跨行轉帳只能線上還得設約定帳戶才行。
(但正常的狀況下要用到50次其實也滿難的?)
(3) 利率:0.32%,不高不低,沒什麼把錢放在裡面的慾望就是了。
(4) 持卡福利:大概是匯豐的強項,也是我最能稱讚的一環,因為福利幾乎比照信用
卡,促銷活動能夠抓到消費脈動,有興趣的板友們可以上他們網頁研究一下~
(5) 網銀:最不習慣的是「重文密碼」(話說這啥東西?),隨機的密碼提示輸入雖
然在某些程度上可降低風險,但每次登入都要死一些腦細胞實在有點累啊~
網上自開子帳戶的功能獨一無二,可是前一陣子發現關閉得文書作業,有點麻煩
整體評價:8分
4. 台新:
剛使用不久,實際心得大概還要一陣子才會明顯,大概就是發他們網銀會每個動作都
有lag現象(有點像上海的網銀那樣),然後介面設計要花點時間才能適應。
利率算是目前無摺最高的(10~30W 0.77%),跨行也有優惠,但缺點就如同之前某些
板大提的,是先扣款隔月才退還,而且還有條件限制,不曉得是他們EDI沒那麼先進,還
是在玩知覺回饋金的手法(讓消費者以為是回饋金的錯覺,但實際上應該是交易時就可
免除的費用)。回饋金也還不錯,目前看到是最高的,有0.55%,生日當月和隔月還會加
碼,但目前還沒簽帳過不曉得。
整體評價:TBA
不曉得各位板大心目中,對於目前市面上各無摺戶的評價如何呢?
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