Does China Construction Bank need money to open mobile banking every month?

China Construction Bank's mobile banking has cancelled all charges, that is, there is no charge for both the advanced version and the ordinary version.

2. But if it is a short message bank (that is, there is a short message to inform the deposit and withdrawal), it will be deducted from the bank card. 28 yuan/year, 3 yuan/month for this business. At present, the original price of online banking is U shield in 25 yuan, and now it is the active period of 18.5 yuan. Some outlets are free, and some outlets charge at the original price.

3. There are also free dynamic short messages, but the limit is only a single 1K, totaling 5K. Need/kloc-legal citizens over 0/6 years old, just bring their ID cards.

Extended data

Mobile banking is an extension of online banking and another convenience for bank users after online banking and telephone banking.

Our financial services are called personal "electronic wallets". On the one hand, it has extended the service time and expanded the scope of banking services; on the other hand, it has invisibly increased many banking outlets, which has truly realized 24-hour all-weather service and greatly expanded the intermediary business of banks.

Domestic banks providing mobile banking services include: China Postal Savings Bank, China Industrial and Commercial Bank, China Merchants Bank, China Bank, China Construction Bank, Bank of Communications, Guangdong Development Bank, Shenzhen Development Bank, China CITIC Bank, and China Agricultural Bank. Their services can be roughly divided into three categories: (1) payment inquiry services, including account inquiry, balance inquiry, account details, transfer, water and electricity charges collected by banks, telephone charges, etc. (2) Shopping business refers to the customer's purchase of goods through the mobile banking platform after binding the mobile phone information with the banking system; ⑶ Financial management business, including stock trading and foreign exchange speculation.

Generally speaking, compared with traditional banks and online banks, the characteristics of mobile banking payment are:

(1) is more convenient. It can be said that mobile banking is powerful and a simplified version of online banking, but it is far more convenient than online banking, because it is convenient to carry at any time and to make small payments.

(2) More extensive. Provide WAP website payment service to realize one-point access and multiple payments.

(3) More potential. Immature business model and user habits have led to the development of mobile banking and payment, which has not yet reached many people. Com "era. The success of online banking is not only that it is a means of e-banking reform, but also that it caters to the development requirements of e-commerce, and mobile banking has great potential in this respect.

Features and functions are slightly better.

Mobile banking is not a new thing. In May, 2000, ICBC and BOC launched mobile banking with SIM card technology, mobile banking with BREW technology of CCB, and mobile banking with the most advanced WAP2.0 technology. Mobile banking has finally achieved the function comparable to online banking. Yesterday, Shanghai Pudong Development Bank launched the mobile banking business with WAP2.0 technology in China. According to reports, the function of mobile banking, whether it is security, convenience or practicality, has completely surpassed the telephone banking based on voice broadcasting. For 90% of customers, mobile banking can completely cover the common online banking functions. Only ICBC, China Merchants Bank and Shanghai Pudong Development Bank have launched WAP2.0 version of mobile banking, while CCB's mobile banking is WAP 1.2 (compatible with 2.0).

From the functional point of view, mobile banking is not only superior to online banking in the advantages of anytime and anywhere operation, but also slightly superior in other functions. For example, the mobile banking of Shanghai Pudong Development Bank can realize mobile phone number remittance. China Merchants Bank Mobile Banking also realizes shake transfer and QR code transfer. In addition, customers enjoy a unique customer number in the bank, allowing customers to realize "one number under one name". No matter how many accounts you have in the bank, whether you open an account in Beijing or Shanghai, whether it is fixed or current, whether it is local currency or foreign currency, it will be automatically collected under this customer number. Through the binding of customer number and mobile phone number, you can use this unique mobile phone number to log in to mobile banking for financial management and cash management.

Security measures have their own unique skills.

Mobile banking is unfamiliar to most users. How to prevent risks in mobile banking? According to reports, mobile banking pays more attention to security settings while realizing fast financial services. Take Shanghai Pudong Mobile Banking as an example. It has the function of identifying mobile phone numbers, which is equivalent to adding a key to open the mobile banking held by customers. Without the customer's mobile phone number, it is impossible to log in to mobile banking with the corresponding identity, which greatly improves the security of mobile banking. At the same time, mobile banking will display the customer number for identity confirmation after the customer logs in to avoid phishing. Shanghai Pudong Development Bank also separated the login password of mobile banking from the payment password, and set up two safety nets for transactions. In addition, when the query password set by the user is too simple, the system will automatically prompt the user to modify the password.

Other banks' mobile banking also have their own ingenious ways to prevent risks. For example, ICBC mobile banking requires a dynamic password card in addition to the password when transferring money; However, the accounts of mobile banking users of China Merchants Bank will only be partially displayed on the screen, which can reduce the risk of account leakage caused by using mobile phones in public or being stolen.

Baidu Encyclopedia: Mobile Banking