diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankCardAddExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankCardAddExe.java
index 649d750f..fe549168 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankCardAddExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankCardAddExe.java
@@ -34,11 +34,13 @@ public class UserBankCardAddExe {
     ResponseAssert.isFalse(BankErrorCode.REPEAT_BANK_CARD_ERROR,
         userBankCardService.exist(cmd.requiredReqUserId(), cmd.getCardType(), cmd.getCardNo()));
 
+    // 默认审核通过
+    String status = ApprovalStatusEnum.PASS.name();
     userBankCardService.add(new UserBankCard()
         .setId(IdWorkerUtils.getId())
         .setUserId(cmd.requiredReqUserId())
         .setSysOrigin(cmd.requireReqSysOrigin())
-        .setStatus(ApprovalStatusEnum.PENDING.name())
+        .setStatus(status)
         .setCardType(cmd.getCardType())
         .setPayee(cmd.getPayee())
         .setCardNo(cmd.getCardNo())