The staff of ICBC said that it is necessary to open mobile banking to open SMS authentication. Is that so?

Friend, I work in ICBC. I hope the answer can help you.

1, mobile banking is divided into mobile banking (WAP) and mobile banking (SMS).

2. Mobile banking (WAP) refers to the electronic banking business that China Industrial and Commercial Bank provides mobile phone customers with financial services such as account inquiry, transfer, payment and consumer payment based on WAP technology. There is no charge for opening this service at present. To put it bluntly, it is to log in to your online bank with your mobile phone, and then do some business such as online transfer, inquiry, fund purchase and national debt purchase. But your operator will charge you for surfing the Internet with your mobile phone.

3. Mobile banking (short message) refers to a new financial service mode in which customers edit short messages in a specific format and send them to the bank for special service numbers, and the bank handles related business for customers according to their instructions, and informs customers of the transaction results in the form of short messages. Balance change reminder is commonly used by customers. This service is charged, and each account charges two yuan a month. In other words, when the funds in your account change, the bank will send a short message to remind you, such as the income and expenditure in your card, which is indicated above. This fee will be deducted directly from your account, and there is no charge for moving.

4. Therefore, the ICBC messenger you handle can only receive the text message sent by 95588 when your funds change. However, during busy hours, text messages may be delayed, but they are usually received on time. You can try this function by withdrawing some money from the ATM.

5. So, ICBC staff didn't lie to you. What you are opening now is mobile banking, which is just one of the businesses.

I hope the answer can help you ~ ~ ~