Did everyone pay their wages last month, and what will you do with the money when your salary income arrives?
According to what you see and do, it can generally be divided into the following types to deal with
The first type is immediate withdrawals. This kind of person may not have eaten properly for a long time, and as soon as the salary arrives, he will first repay the mortgage, car loan and loan from friends, and then the remaining money is barely enough to spend half a month. They live day after day, year after year, and are known as the "Moonlight Clan". This kind of person hastened to solve all kinds of problems as soon as he had money.
The second type is to take out part of it for household expenses and take up the rest. They are not too short of money, or they can take out some of it and use it, and the rest of the money continues to be placed in banks or platforms such as Alipay.
The third type is that as soon as the salary arrives, it is immediately transferred to a platform such as WeChat or Alipay, and is no longer placed in the bank.
So is it better to put the salary in the bank or immediately transfer it to WeChat or Alipay?
First of all, we can see that putting money on platforms such as Alipay and WeChat can get higher returns. Whether it is Alipay's Yue Bao or Change Pass, it has more advantages than banks and can attract more people.
If you deposit 10,000 yuan into a bank current account, you can basically only get 1 cent of interest a day, while if you put it in Alipay or Yue Bao, you may get 5 cents of interest a day. This gap is significant, and it is easy to withdraw.
Therefore, from the perspective of income, most people will choose to put their money on Alipay, WeChat and other platforms.
However, there are some drawbacks to this approach:
First of all, frequent transfers increase the risk of having your account frozen by your bank. In the long run, you may be characterized as a risky user, and you will not be able to transfer funds in or out after the account is frozen, which is very troublesome. Although this does not happen often, it does happen from time to time.
Secondly, when transferring money to Alipay, WeChat and other platforms, a certain handling fee will be charged, especially in WeChat. Therefore, we should consider these factors comprehensively and decide where to put it more appropriately.
Finally, we must think about security. Regardless of the benefits, security is paramount. Although some people complain about the security of banks, the chances of actually having problems with banks around you are very small.
Theoretically speaking, banks are still the safest place, especially the four major state-owned banks, which are backed by the state and are not prone to problems. In contrast, Alipay and WeChat are relatively reliable, but they are still slightly behind the banks, especially the four major banks in the top 10.
To sum up, for small funds, you can use them at any time in WeChat, and for larger funds, you can put them in Alipay or banks. When it comes to choosing a bank, the big four banks are more secure. Of course, everyone's situation is different and needs to be decided according to their own needs and Xi.