Icbc online banking has SMS verification. Then can you just open this SMS verification without opening the U shield?

SMS authentication can only use password card or first generation U shield. If your U shield is the second generation (identification method: serial number starts with 5, 6 and 7), you can't apply for SMS authentication. If it is a password card or a U shield, you can apply for SMS authentication to increase the transaction limit. Password card+SMS authentication: 2000 for a single transaction and 5000 for a day. Generation U shield+SMS authentication: depending on your online banking VIP level.