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Transfer 250 yuan pocket money with the note 'Dogecoin',
Construction Bank directly locks the card! To unlock, you have to write a letter of commitment,
Some people can only cancel their accounts?
On December 12, it was reported that a few months ago, Ms. Yu and her husband transferred 250 yuan pocket money to each other at the Construction Bank, just because the note mentioned 'this week's Dogecoin', their accounts were directly locked by the bank for investigation. Recently, a staff member from the Construction Bank contacted them to verify the situation, stating that this note triggered the control over virtual currencies, and the accounts would be set to 'no deposits, no withdrawals', meaning money could neither be deposited nor withdrawn.
The staff member from Ms. Yu's bank said that to unlock the account, she needed to provide her husband's bank statement for those months, and after passing the review, she would also have to write a letter of commitment, guaranteeing that she had not engaged in virtual currency transactions before and would not participate in the future. However, her husband does not agree with this practice of directly locking accounts and is still negotiating with his bank.
The staff from her husband's bank (a Construction Bank branch in Dalian) stated that as long as the account is involved in virtual currency transactions, it will be set to 'no deposits, no withdrawals'; even if it was just a transfer note mentioning 'Dogecoin', they still need to provide materials to prove that this matter is unrelated to virtual currency. The key issue is that it is impossible to provide effective proof; just having a bank statement is not enough, and such controlled accounts cannot be unlocked, only canceled. As for specific regulations, the other party did not clarify.
Currently, Ms. Yu has submitted her husband's bank statement and a handwritten letter of commitment and is applying to lift the restrictions; meanwhile, her husband's bank said that submitting their marriage certificate would allow them to apply for the removal of account limitations.
Additionally, it should be mentioned that on December 5, Xinhua News Agency reported that seven associations, including the China Internet Finance Association, issued a risk warning, requiring relevant institutions not to participate in the issuance and trading of virtual currencies and asset tokens domestically, and reminding everyone to recognize the risks and avoid engaging in such illegal activities.
