Generally, bank deposits have always adhered to the principle of voluntary, that is, freedom of access and withdrawal. However, nowadays, when many citizens go to the bank to withdraw money, they will find that the bank staff will ask about the purpose of the withdrawal, and some people who are asked will feel a little inexplicable.

Theoretically, banks don't have the right to ask users what they're doing with their money, but there are still some bank clerks who do. So what's going on?

How do we respond to a bank clerk's inquiry? There are a few ways to avoid trouble.

1. Bank staff are very responsible

We need to understand that when bank staff withdraw money from customers, they will ask about the purpose of the money, and more for the safety of customers' money.

From a legal point of view, it is true that banks are not in a position to ask customers what they are doing to withdraw money, but this is necessary from a security point of view.

In order to prevent fraud and anti-money laundering, the state will ask the reason when everyone makes a large withdrawal.

In recent years, various online frauds have been common, for example, on December 22, 2023, a fraud case occurred in Chaoyang District, Beijing.

The victim received a strange phone call, the other party claimed to be a police officer from the police station, claiming that the victim was suspected of participating in illegal activities, so the bank card in his name should be frozen.

The victim needs to go to the bank and withdraw cash into the account specified by the other party to avoid the bank card being frozen.

In the end, the victim who had no sense of prevention really transferred all the 20,000 yuan to the fraudsters.

The day after the fraud occurred, on December 23, 2023, a resident of Beijing, surnamed Lin, received a call from the Public Security Bureau.

The other party used the same trick to scam him, and he transferred 350,000 yuan directly to the fraudster.

The two cases of fraud are clearly the modus operandi of the same fraud ring.

When a customer withdraws money, the bank staff will specifically ask the customer about the purpose of the withdrawal, in essence, the bank staff does not want the customer's money to be deceived for no reason.

In addition, there are many unscrupulous people who will use various means to launder money and legalize illegal activities.

Therefore, we should not be too resistant to bank staff inquiries.

For some customers who have a special purpose for withdrawing money, some words can also be used to avoid embarrassment.

Second, this is the smartest answer

When the bank's staff asks the customer about the purpose of the withdrawal, we can decide how to answer according to the situation.

If you just withdraw money to buy something, and it doesn't involve breaking the law or committing a crime, you can tell the truth.

If you want to withdraw money on your own, you can do something legal but not appropriate to say, or you can use the strategy of vague answers to tell the bank clerk.

For example, if the money is to be used for personal consumption, or for example, if the money is to be used for commercial purposes, there is no need to go into too much detail with the bank staff.

Bank staff inquiries are also routine inquiries and they do not have the right not to withdraw money from customers.

If the customer withdraws a large amount of money, for example, if he wants to withdraw more than 50,000 yuan at a time, then the bank has the right not to hand over the money to the customer for the time being.

In 2017, three major authorities, including banks and financial regulators on the mainland, issued a regulation.

If a customer withdraws more than 50,000 yuan at the bank at one time, he needs to submit relevant proof to the bank, such as the source and use of the funds, etc., otherwise the bank has the right not to provide services to him.

The reason why the relevant departments will issue this regulation is also to ensure the safety of the property of the masses of the people. That requires a large amount of money, and when the bank staff asks, you must answer truthfully.

If some of the questions asked by some bank staff involve personal privacy, or the questions are too detailed and excessive, we should choose to reject them outright.

It is the duty of every citizen to comply with the law and ensure that no financial crime occurs, but banks should also ensure the privacy of their customers. If the bank staff asks too much, we can even go to the relevant department to handle the complaint.

When confronted with a question from a bank clerk about what we are going to do with the money, we should answer it on a case-by-case basis.

If you don't have a lot of money to withdraw, you can answer truthfully in a vague way, and if you withdraw a lot of money, you can say it in a little more detail.

However, if the bank staff asks too much questions, we have the right to refuse to answer them, so as to ensure our rights as customers.

3. Don't have negative emotions

In general, we should not have negative feelings when asking these questions from bank staff.

Nowadays, all kinds of fraud gangs are extremely rampant, although the state has thought of many ways to crack down on fraud organizations, but the huge profits of the fraud industry still attract many people to take risks.

No one can guarantee that they will never be defrauded, so in order to avoid property loss, it is no problem to actively accept bank inquiries.

Many people are resistant to some of the questions raised by bank staff, feeling that they are suspected of violating personal privacy.

However, we must understand that the bank staff will ask us about the purpose of withdrawal, which is also to combat money laundering and fraud, and we should also maintain a calm mind to respond to the inquiries of the bank staff.

As long as you keep in mind the way you have been told before, you can benefit as soon as possible and avoid trouble.