Icbc app transfer quota

Using ICBC mobile banking to transfer money requires verification. At present, authentication media include electronic password, SMS authentication, U shield authentication and password card authentication, and different authentication media have different transfer limits.

1, electronic password:

The trading limit is 200,000 yuan for a single transaction, with a daily accumulative total of 6,543,800 yuan.

2. SMS authentication:

The single and daily cumulative limit is 6,543,800 yuan (inclusive), and the maximum can be adjusted to 20,000 yuan; The monthly cumulative limit is 50,000 yuan (inclusive), and adjustment is not supported at present.

3, mobile banking U shield:

The single limit is 6,543,800 yuan, and the single limit is 5 million yuan.

4. Mobile banking password card:

Single limit 1000 yuan, single-day limit 5000 yuan.

Mobile banking can also be called mobile banking, which is the abbreviation of using mobile communication networks and terminals to handle related banking business.

As a brand-new service combining electronic money and mobile communication, it not only enables people to handle a variety of financial services at any time and any place, but also enriches the connotation of banking services, enabling banks to provide traditional and innovative services to customers in a convenient, efficient and safe way.

Mobile banking consists of mobile phone, GSM short message center and banking system. During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the instruction of the user and encrypts it.

Then instruct the mobile phone to send SMS to GSM network. After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system. The interface system converts the processing result into short message format, and the short message center sends the short message to the user.

Mobile banking is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service 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.