How to operate inter-bank transfer via mobile phone

You can use mobile banking to transfer funds between banks, taking China Construction Bank as an example:

Operating environment:

Brand model: iPhone13

System version ：iOS15.3.1

App version: v5.6.7.001

1. The first step is to find the China Construction Bank mobile client on the mobile phone desktop (provided that the China Construction Bank mobile client is installed Client) and click to enter.

2. After the software is opened, we click the "Login" function key in the upper left corner of the pop-up page, and then enter the ID number and bank card login password on the login page.

3. After successfully logging in to the bank account, you will return to the client's main page. Then we click the "Transfer and Remittance" function key, as pointed by the red arrow in the picture below.

4. After entering the "Transfer and Remittance" page, since we are doing an inter-bank transfer, scroll down the page and click the "Ordinary Inter-bank Transfer" function key in the inter-bank transfer column.

5. After entering the "Ordinary inter-bank transfer" page, enter the other party's bank card number, transfer amount, and payee name. Finally, enter the bank to which the other party's bank card belongs and its account opening bank in the beneficiary bank column. After setting everything, click Next.

6. Then enter the verification code received via SMS on the new page, confirm again that the entered information is correct and click the OK button at the bottom.

7. After following the above steps, it means that the inter-bank transfer through mobile banking is successful. It should be noted that because it is an inter-bank transfer, a certain handling fee will be charged.

1. According to the relevant regulations of the People's Bank of China, the service hours for transfers and remittances between ICBC and other banks are 9:00-17:00 every working day.

2. Transfers and remittances between ICBC and other banks charge a handling fee of 1% of the transfer and remittance amount, with a minimum charge of 1 yuan and a maximum charge of 50 yuan.

3. When handling foreign exchange remittance, please pay attention to the following regulations of the Administration of Foreign Exchange:

1. The name of the payee of the foreign exchange remittance must be consistent with the name of the remitter, or be the remitter. of immediate family members. If the name of the payee is inconsistent with the name of the remitter, documents proving that "the payee and the remitter are immediate relatives" are required. "Immediate relatives" include "spouse, father (mother), son (daughter)", and the certification documents are as follows: If the payee and the remitter are in the same household register, they should present the household register; if the payee and the remitter are not in the same household register, they must present a certificate issued by an authorized agency such as a notary department or police station to prove that the payee and the remitter are confirmed. Notarized or certified documents for immediate family members.

2. The nature of your foreign exchange remittance receiving account and payment account in the same city must be consistent, that is, "banknote account to banknote account, remittance account to remittance account", that is, "banknote/remittance before and after fund transfer" The nature remains unchanged”.