Does CCB mobile banking require payment?

CCB’s mobile banking has canceled all charges in July 2014, that is, there is no charge for either the premium version or the regular version. But if it is SMS banking (that is, there are SMS notifications for deposits and withdrawals), this service is 27 yuan/year and 3 yuan/month. The original price of U-Shield in online banking is 25 yuan. Some outlets give it away for free, while some outlets charge the original price.

Currently, it is free to activate CCB’s mobile banking. Transfers through mobile banking are free of charge within the province, and the charge rate outside the province is 1.5%. :

Mobile banking is not telephone banking. Telephone banking is a voice-based banking service, while mobile banking is an SMS-based banking service. All businesses currently conducted through telephone banking can be realized through mobile banking, and mobile banking can also complete secondary transactions that cannot be achieved through telephone banking. For example, banks can pay telephone, water, electricity and other charges on behalf of users, but they generally require user confirmation before transfer. Since mobile banking uses short messages, users can receive messages from the bank anytime they turn on their phones, allowing them to confirm transfers at any time and place.

Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; secondly, mobile banking requires double password confirmation of SIM card and account before it can be operated, so it has good security. WAP is an open network, and it is difficult to guarantee that it will not be attacked during the information transmission process; in addition, mobile banking has better real-time performance and the turnaround time is almost negligible, while WAP needs to be online all the time to perform the same business, which will also depend on There are many uncertain factors such as network congestion and signal strength.

Reference: Baidu Encyclopedia-CCB Mobile Banking