How does the Postal Savings Bank open the transfer authority

The operation of opening the transfer function of the postal savings card is as follows:

1. Download the mobile banking APP of Postal Savings Bank on your mobile phone, enter your account number and password, and then click "Login";

2. After entering the home page of mobile banking, click "My" in the upper right corner;

3. After entering the Personal Center, click "Personal Settings" on the right;

4. In the personal setting interface, click "Mobile phone number transfer function switch";

5. In the switching interface of mobile phone number transfer function, the status will display "Off", and click "On";

6. After opening, authentication is required. Enter the transaction password and click OK to open the transfer function.

Transfer settlement refers to a kind of bank currency settlement method in which money is transferred from the payment account to the collection account through the bank without using cash directly. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far away, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.

2065438+On March 28th, 2009, the requirement of 24-hour receipt was cancelled and real-time receipt was implemented.

Transfer method

There are many ways of transfer settlement, which are mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection and non-acceptance settlement, limit cheque settlement, etc. Off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.

Mobile phone transfer

Domestic commercial banks have opened their own mobile banking, such as China Merchants Bank, to carry out three-year free activities of mobile banking transfer and remittance. Customers who register for mobile banking can handle the transfer and remittance business of China Merchants Bank in the same city, in different places, in the same city and in different places through the mobile banking of iPhone version, Android version, HTML webpage version or iPad bank, and can enjoy the preferential treatment of free transfer and remittance fees.

2065438+On February 25th, 2006, five banks of industry, agriculture, China, China Construction and Bank of Communications held a joint meeting on "Strengthening account management and promoting inclusive finance". The domestic RMB transfer and remittance handled by customers through mobile banking is free, and the domestic RMB online bank transfer and remittance for customers below 5,000 yuan is free, which reduces customer fees.

Handling principle

The bank shall handle the transfer settlement and the unit that handles the transfer settlement in the bank shall follow the principle of clearing the money and goods and safeguarding the legitimate rights and interests of both parties, and the bank shall not advance the payment. In addition, transfer settlement should also follow the relevant provisions of the state.

application area

As a bank settlement method, transfer is widely used. Transfer settlement can be made between different places in the same city, between company accounts, between company accounts and personal accounts, and between personal accounts and personal accounts.

Delayed arrival

On the morning of September 23rd, 20 16, six departments jointly issued the Notice on Preventing and Combating Telecommunication Network Fraud. According to the notice, from June 23, 20 16, 12, 1 year, if an individual transfers money to a different account through a bank ATM, the funds will arrive in the account 24 hours later.

The People's Bank of China issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, and comprehensively strengthened the management of account real-name registration system, bank card business and transfer. It is clear that since 20 16 12 1, individuals who transfer money through self-service teller machines can apply to the issuing bank for cancellation of the transfer within 24 hours after it is accepted by the issuing bank.