China citizens under the age of 16 who live in China need to apply for the China Merchants Bank Card, and the guardian will open an account on their behalf, and issue the valid ID card of the guardian, the resident ID card or household registration book of the account user, and the guardianship certificate. China citizens who live in China and are over 16 years old (including 16 years old) can apply for opening a one-card account at any branch of China Merchants Bank with their resident ID cards of the People's Republic of China or temporary id card. (At present, Changsha Branch does not support using temporary id card to open an account) At present, there is a handling fee (RMB 5 per account) for opening an account with IC cards; There is no charge for online application of "official card IC card".