Can I withdraw cash from mobile banking transfer?

Mobile banking transfer can be revoked within 24 hours.

Make an appointment for the next day's transfer through online banking or mobile banking. The appointment can be cancelled on the same day, and the appointment transaction cannot be cancelled on the same day.

If you transfer money from an ATM, you can take your ID card and bank card to the counter of the remittance bank business hall at any time within 24 hours. If the mobile banking transfer transaction arrives in real time, the transaction cannot be cancelled.

In case of landing processing, first check the current status of the payment with the landing branch. If the sub-branch fails to handle this transaction, it can contact the landing sub-branch with its valid ID card, copy of ID card and transfer-out account, and issue a statement, and the transferor needs to sign it in person in the sub-branch.

If you confirm with the login outlets that the transaction has been processed, you cannot cancel the transaction.

Cancellation method: customers can apply to the bank to cancel the transfer through the counter or call customer service.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

The customer's mobile phone is connected with the bank through the mobile communication network, which is a brand-new business product that can directly complete various financial services such as account inquiry and transfer through the mobile phone interface, that is, the bank takes the mobile phone as the carrier, relies on the mobile GSM wireless network, and uses the mobile SMS resources.

By sending SMS to operate the bank account, the functions of "financial management" and "electronic wallet" of the mobile phone can be realized. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

trait

Mobile banking is not telephone banking. Telephone banking is ICBC's voice-based mobile banking service, which is based on SMS. All the business conducted by telephone banking can be realized through mobile banking, and mobile banking can also complete the second transaction that telephone banking can't realize. For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it. Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.

Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe. WAP is an open network, and it is difficult to guarantee that it will not be attacked in the process of information transmission. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same service, which will also depend on many uncertain factors such as network congestion and signal strength.

advantages and disadvantages

Mobile banking is one of the derivatives of online banking, and its advantages focus on convenience. Customers can use mobile banking to design and appreciate mobile banking signs anytime and anywhere, saving the waiting time of ATM machines and bank windows.

The main ways to realize mobile banking are STK, SMS, BREW, WAP and so on. Among them, the STK(Sim Toolkit) method needs to replace the Sim card of the customer's mobile phone with the STK card of the designated banking program.

Disadvantages are poor universality and high card replacement cost; Short Message Service refers to the use of mobile phone short messages to handle banking business, which is convenient for customers to access, but it has the disadvantages of inconvenient input of complex business and poor interactivity. Brew (Wireless Binary Operating Environment) mode is based on CDMA network, and client software needs to be installed. WAP (Wireless Application Protocol 1) refers to accessing the bank website through the WAP browser built in the mobile phone, that is, using the mobile phone to access the Internet for online banking services. The client does not need to install software, but only needs to open WAP services on the mobile phone.