According to the unified1 regulation of PBC, the following businesses must be handled at banks through the personal settlement account:
-Accepting inward fund transfer from any other person or unit （such as agency salary payment account, accepting remittance2 from any other person or unit）;
-Money transfer from any other account under its own name （including its own current saving account and settlement account）;
-Outward account transfer and remittance （money transfer to any other person or unit）;
-Credit card consumption （consumption and online shopping through Peony Money link Card or Elite3 Club account card）;
-Payment of charges （for telephone fee and mobile phone fee）;
-Investment （T-bond, funds, insurance and securities purchase）;
-Loan （the granting and repayment4 of various loans including housing loan, auto5 loan and unsecured loan）;
-Handling credit card or personal check.
按人民银行统一规定，你在银行办理如下业务时须通过结算账户办理：
－同意别人或单位的资金转入（如代发薪资账户、接收别人或单位的汇款）
－给本人名下的其他账户转帐汇款（包含本人的活期储蓄账户和结算账户）
－对外转账/汇款（给别人或单位转账汇款）
－刷卡/消费（通过牡丹灵通卡/投资理财金账户卡刷卡消费或网购）
－交费（缴纳电话费、手机费等）
－投资（购买国债、基金、保险，证券投资等）
－贷款（住房贷款、汽车贷款、信用贷款等多种贷款的发放和偿还）
－办理信用卡、个人支票
