The main functions of Postal Savings Bank of China mobile banking

1. My Account (Account Inquiry Function)

Provides customers with functions such as balance inquiry, detailed inquiry, account management, green card account management, and account loss reporting.

Account management is to facilitate customer management, providing customers with the ability to add and withdraw other accounts under their own names to mobile banking, and at the same time, they can set and modify aliases for additional accounts.

Green Card account management provides customers with the function of deactivating/activating the supplementary card under the main Green Card card and setting the supplementary card limit.

2. Transfer and remittance

Provide customers with fixed-term and live transfers, intra-bank transfers, inter-bank remittances, mobile phone number transfers, mobile phone number transfer function switches, default account settings, and remittances by address. Password remittance, remittance inquiry, payee list and other functions.

Mobile phone number transfer means that non-self-registered customers of Postal Savings Bank of China’s mobile banking can transfer funds from their mobile banking contract account to the other party’s mobile banking by inputting the recipient’s mobile phone number and name. Must be the default account for Postal Savings Bank of China mobile banking (non-self-registered customers).

The default account setting refers to setting the receiving account for mobile phone number transfers for the convenience of user operations. It is also the preferred account for transfers, remittances and other accounting transactions. The account used by the customer when registering for mobile banking at the counter is used as the default account.

The payee list is a payee record created by the customer to facilitate multiple transfers to the same account of another person after the customer has opened the transfer and remittance authority. When making a transfer, the customer can select from the payee list. Search for the corresponding payee, eliminating the need to manually enter the payee account number, payee name, and payee's account bank again. In mobile banking (WAP version), there are three types of payees: Postal Savings Bank payee, inter-bank payee and mobile phone number remittance payee. Customers can query, modify and delete them.

3. Credit card business

Provide customers with the function of querying credit card account information, unbilled transaction details, and repaying overdrafts to their own or other people’s credit card RMB accounts; The function of binding a current settlement account under your own name to a credit card is available. It also supports credit card installment payment, points inquiry and other functions.

4. Payment business

Customers can pay for branch special payment items through this function, and support customers to submit payment instructions during non-working hours. After successful payment, the payment can be made The project is stored in the quick payment information, and the customer can also query the customer's payment record through the payment log query.

5. Fund business

Customers can check the basic information of fund products sold by Postal Savings Bank (including: fund code, name, type, net value and other information) quickly and conveniently Perform operations such as fund purchase, fixed investment, redemption, conversion, order cancellation, modification of dividend methods, inquiry of fund holdings, inquiry of transaction details, etc.

VI. Treasury Bond Business

Customers can inquire about all period certificate-type treasury bonds and savings treasury bond (electronic) products sold by the Postal Savings Bank of China, and can also inquire about treasury bond holdings , query transaction details and other operations.

7. Financial management business

Customers can inquire about the RMB financial products sold by Postal Savings Bank of China, and can realize additional financial investment, early redemption, termination of investment, transaction cancellation, and inquiry Operations such as holding status of RMB financial products, querying transaction details, etc.

8. Personal loan business

Customers can use this function to query the contract information, IOU information, repayment schedule and other information of outstanding loans. Through this function, customers can learn about the balance, interest, accumulated interest, interest rate and next repayment date of unpaid loans. Customers can also apply for early repayment reservation through this function to help customers return loans in time and deal with outstanding debts. payment.

9. Customer Service

Provide customers with certificate loss reporting, authentication method settings, transaction limit settings, shortcut menu settings, login password modification, transaction password modification, reserved information settings, and logs Query and other functions.

Authentication method setting is a way for token customers to set the authentication method for transactions through this function. There are two authentication methods: "Transaction Password Authentication" and "Transaction Password Token Password Authentication".

The shortcut menu setting is for the convenience of customers and provides the service of setting commonly used functions into personalized menus.

The transaction limit setting allows customers to adjust the transaction limits of payment, transfer, remittance and payment according to their own needs within the limits specified by the bank. After adjustment, the relevant transaction limit control will be implemented according to the sub-limit.

The reserved information setting provides customers with the function of querying and modifying the reserved information content. The reserved information set by mobile banking can be inconsistent with the reserved information of personal online banking.

10. SMS service

If the customer is a mobile banking customer of Postal Savings Bank of China, he or she can edit and send fixed-format mobile text messages to 95580 to inquire about account balances, transaction details, and fund holdings. and other basic information. This feature will not increase Internet traffic.