金融 IC 卡怎么进行圈存

金融 IC 卡的圈存是一项重要的操作，它为用户提供了更便捷的支付和资金管理方式。下面我们来详细了解一下金融 IC 卡的圈存方法。

首先，网友可以持银行卡至银行柜台，要求往电子钱包圈存。这是一种常见且直接的方式。

其次，直接持银行卡至银行 ATM，选择圈存功能即可。这种方式不受时间限制，即使在下班以后，也能进行充值，非常方便。需要注意的是，这种方式可以跨行、异地操作，并且不收手续费。

如果您的手机带有 NFC 功能，那么，下载一款“卡卡联”的软件，足不出户，在手机上就可以完成圈存。

对于部分银行的网银，虽然支持金融 IC 卡的圈存，但需要购置圈存设备，因此我们并不推荐这种方式。

以慈溪农村商业银行为例，把银行卡插入 ATM 机，输入密码后，选择“电子现金”，再选择“电子现金充值”，然后选择“绑定账户充值”，输入充值的金额，按确认，输入银行卡的交易密码，这样电子钱包圈存就成功啦。

另外，对于信用卡的圈存，情况稍有不同。可以通过广发 ATM 机进行主动圈存，或者是自动圈存，即在支持该业务的商户 POS 机消费时，当电子现金余额低于一定金额值时，在该笔消费完成时同步完成电子现金账户圈存充值。但目前自动圈存好多 POS 机不支持，建议去 ATM 机转存。

一般信用卡要注销后方可圈提，即取出芯片信用卡中电子现金账户里的钱。但注销信用卡前，必须结清全部欠款。如果分期不还，银行是不会给您注销信用卡的，更别说圈提出资金了。所以，需要先还清分期，然后办理注销，再去网点柜台圈提。或者也可以直接消费掉这部分资金，在有 QUIKPASS 的商家，可以用电子现金账户闪付。

电子现金账户是金融 IC 卡所特有的小额支付账户，额度由发卡行自行确定，但一般不超过 1000 元。该账户具有不挂失、资金不计息等特点，不能取现但可以圈存、圈提。通俗地说，电子现金交易就像在银行卡上叠加了一个电子钱包的账户，在刷卡时可以选择使用银行卡账户或者电子现金账户支付，特别适合在小额支付领域使用。

您还可通过工商银行营业网点、ATM 及特约单位 POS 终端凭本人芯片卡密码申请办理电子现金圈存业务。同时，可持本人有效身份证件至工商银行营业网点申请设置和调整电子现金的自动圈存。若要进行电子现金圈提，可通过工商银行营业网点凭本人芯片卡密码申请办理。

在银行的自助终端上也能进行圈存操作。首先，持卡人插入银行卡，提示输入密码，正确后登录；然后，选择办理相应市民卡充值业务，经系统提示将市民卡放到读写器位置，点击确定；最后选择所需的充值类型和金额即可，整个过程类似于在 ATM 机上存取款。但要注意，银行卡自助圈存都是在银行的特定的查询机上操作的，而不是 ATM 机。

综上所述，金融 IC 卡的圈存方式多样，您可以根据自己的需求和实际情况选择合适的方式进行操作。

How to Perform the Loading of Financial IC Cards

The loading of financial IC cards is an important operation that provides users with more convenient payment and fund management methods. Let's take a detailed look at the methods of loading financial IC cards.

Firstly, netizens can hold their bank cards to the bank counter and request to load the electronic wallet. This is a common and direct method.

Secondly, holding the bank card directly to the bank ATM and selecting the loading function is also feasible. This method is not time-limited. Even after work, you can recharge, which is very convenient. It should be noted that this method can be cross-bank and cross-region, and there is no handling fee.

If your mobile phone has NFC function, then by downloading a software called "Kaka Union", you can complete the loading at home on your mobile phone.

For the online banking of some banks, although it supports the loading of financial IC cards, it requires the purchase of loading equipment. Therefore, we do not recommend this method.

Taking Cixi Rural Commercial Bank as an example, insert the bank card into the ATM machine, enter the password, select "Electronic Cash", then select "Electronic Cash Recharge", then select "Bound Account Recharge", enter the recharge amount, press confirm, enter the transaction password of the bank card, and thus the electronic wallet loading is successful.

In addition, for the loading of credit cards, the situation is slightly different. You can perform active loading through the Guangfa ATM machine or automatic loading, that is, when the electronic cash balance is lower than a certain amount when consuming at the merchant POS machine that supports this business, the electronic cash account loading and recharge is completed synchronously when this consumption is completed. However, many POS machines currently do not support automatic loading. It is recommended to transfer and store at the ATM machine.

Generally, a credit card can only be withdrawn after cancellation, that is, to withdraw the money in the electronic cash account of the chip credit card. But before canceling the credit card, all debts must be settled. If you do not repay the installments, the bank will not cancel your credit card, let alone withdraw the funds. Therefore, you need to repay the installments first, then handle the cancellation, and then go to the counter of the branch to withdraw. Or you can also directly consume this part of the funds. At merchants with QUIPKASS, you can use the electronic cash account for flash payment.

The electronic cash account is a unique small payment account for financial IC cards. The limit is determined by the issuer bank itself, but generally does not exceed 1,000 yuan. This account has the characteristics of non-reporting loss and non-interest-bearing funds. It cannot be withdrawn but can be loaded and withdrawn. Generally speaking, electronic cash transactions are like an additional electronic wallet account on the bank card. When swiping the card, you can choose to use the bank card account or the electronic cash account for payment, which is particularly suitable for use in the field of small payments.

You can also apply for the electronic cash loading business through the industrial and commercial bank branch, ATM and special unit POS terminal with your own chip card password. At the same time, you can hold your valid identity document to the industrial and commercial bank branch to apply for setting and adjusting the automatic loading of electronic cash. If you want to perform electronic cash withdrawal, you can apply for it through the industrial and commercial bank branch with your own chip card password.

The loading operation can also be performed on the bank's self-service terminal. First, the cardholder inserts the bank card, and after prompted to enter the password, log in correctly; then, select to handle the corresponding citizen card recharge business. After prompted by the system, place the citizen card on the reader position and click OK; finally, select the required recharge type and amount. The whole process is similar to depositing and withdrawing at the ATM machine. But it should be noted that the self-service loading of bank cards is operated on the specific inquiry machine of the bank, not the ATM machine.

To sum up, there are various ways to load financial IC cards. You can choose the appropriate method according to your own needs and actual situation.