What is the use of ICBC mobile banking?

Business Brief

Personal Mobile Banking (WAP) refers to the bank’s account management, transfer and remittance services provided by our bank to individual customers through mobile phones based on WAP technology and relying on the mobile communication network. Electronic banking services for self-service financial services such as bill payment, consumer payment, financial management and investment. Personal mobile banking (WAP) business has the characteristics of portability, easy application, rich functions, safety and reliability, etc. It mainly covers the following contents: (1) Account management

Provides you with balance inquiry, daily detailed inquiry, Inquiry of historical details, inquiry of salary details, registration card maintenance, account loss reporting, default account settings, my housing provident fund, bank account services and other functions.

(2) Transfer and remittance

Provide you with ICBC remittance, inter-bank remittance, inter-bank quick remittance, remittance to E-mail, mobile phone number, time deposit, call deposit, receipt and payment bill , personal foreign currency transfer, my payee maintenance, online banking payee, telephone banking payee and other functions.

(3) Personal loans

Provide you with information such as applying for a pledge loan and querying outstanding loan contract information, IOU information, repayment schedule, and repayment details. Function.

(4) Payment business

Provides you with the function of paying information, communication, water, electricity, gas, etc., and supports you to submit payment appointment instructions during non-working hours. Our bank We will handle business for you during working hours. After the payment is successful, the item can be deposited into my payment item. It also supports you to sign, inquire and cancel entrusted withholding agreements under the mobile banking-payment business function.

(5) Mobile stock market

Provide you with the function of querying stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange, and enter the stock code in "Customize the stocks I follow" to customize or delete the stocks you care about stock. You can use the "third-party custody" function to transfer banks to securities companies, securities companies to banks, and related inquiry transactions. In addition, you can also link to the brokerage WAP site page for stock transactions.

(6) Fund business

Provide you with the detailed information of a certain fund (including: fund code, Name, type, net value, historical net value, etc.), and set the focused funds as self-selected funds. You can also quickly and conveniently perform operations such as fund subscription, subscription, fixed investment, redemption, order cancellation, balance and history details inquiry, etc.

(7) Treasury bond business

Provides you with the purchase and inquiry functions of savings treasury bonds (certificate type) and bookkeeping treasury bonds. Savings treasury bonds (certificate type) can be used to query information, purchase, redeem, and check the balance of treasury bonds. Book-entry treasury bonds can be used to query treasury bond-related information, open custody accounts, purchase, sell, transaction balances and detailed inquiries.

(8) Foreign exchange business

Provides you with the ability to query the real-time transaction exchange rate of foreign exchange (including: buying price, selling price, middle price, highest price, lowest price), according to the real-time foreign exchange rate, conduct foreign exchange buying and selling transactions or set up foreign exchange entrusted transactions (including profit entrustment, stop loss entrustment, two-way entrustment, additional entrustment) as well as account balance and transaction details Query function.

(9) Precious Metals

Provide you with functions such as account precious metals, account precious metals two-way trading, account precious metals fixed investment, physical precious metals, physical precious metals deferral and accumulation funds. You can check the real-time prices of gold, silver, platinum and palladium in US dollar and RMB accounts (including: bank buying price, bank selling price), conduct real-time buying and selling transactions or set up entrusted transactions (including profit entrustment, stop loss entrustment, Two-way delegation). In addition, you can also conduct two-way trading of account precious metals by selling, opening, buying and closing positions, and formulate fixed investment plans.

(10) ICBC Financial Management

Provides you with financial services and financial product functions, among which: "Financial Management Services" provides Linkong Express (ultra short-term) financial management agreement and T 0 financial management agreement Signing, inquiry and management functions; "Financial Management Products" provide the functions of purchasing, redeeming, canceling orders, querying holding status and querying transaction details of financial products.

(11) Mobile phone reservation for cash withdrawal

We provide you with the mobile phone reservation cash withdrawal function. After you make a reservation for cash withdrawal in mobile banking (WAP), record the reservation code and the updates provided by our bank. Password, you can go to the ATM to withdraw cash without a card. At the same time, this function provides the function of querying reservation details and managing reserved transactions. In "My Reservations", you can cancel transactions that have been reserved but have not been withdrawn.

(12) Bank-futures transfer

Through the corresponding relationship between the futures company's margin account at ICBC and the bank settlement account of futures investors (hereinafter referred to as "investors"), After investors perform transfer operations through mobile banking (WAP), they can realize real-time transfer between the investor's bank settlement account and the futures company's margin account. The futures company will adjust the futures investor's balance in the futures company in real time based on the changes in its bank futures margin account. The balance of the fund account provides convenience for fund settlement for futures trading.

(13) Personal Foreign Exchange Settlement and Sales

Provides you with the function of using a counter-registered card to handle small-amount foreign exchange settlement and sales transactions within a designated amount through mobile banking (WAP), and Detailed information on small-amount foreign exchange settlement and sales transactions can be checked online.

(14) ICBC e-payment

Provides you with registration, cancellation, and unfreezing actions for ICBC e-payment function through mobile banking (WAP), and provides inquiry for transaction details , Query operation record function.

(15) Personal Loans

Provide individual customers to query outstanding loan contract information, IOU information, repayment schedule, repayment details and other information through this function. Provident fund entrusted loan inquiries are not included in this function.

(16) Credit Card

Provides you with the function of checking the balance and transaction details of your credit card, and the function of returning the account overdraft in RMB and foreign currency overdraft to your ICBC credit card. , and also supports credit card installment payment function.

(17) ICBC Messenger

Provides you with the customization, query, modification and cancellation functions of SMS notification services such as balance change reminders, business processing reminders and statement services.

(18) Insurance Business

Provide you with mobile phone insurance and insurance detailed inquiry functions.

(19) Electronic Payslips

You can check the electronic payslips of the past 2 years.

(20) Charitable Donations

Provide you with the public benefit donation function.

(21) Branch special services

Special services provided by branches to customers in their respective business areas.

(Twenty-two) Services and settings

Provide you with main menu customization, self-service payment, authority management, modification of login/payment password, electronic banking registration/management, and logout Mobile banking (WAP), setting customer reservation information and other functions.

(Twenty-three) Welcome page

Provides you with a welcome page after logging into mobile banking (WAP), displaying birthday and holiday greetings, safety tips, bank messages (bank announcements) and marketing information), warm reminders and other information. Among them, the birthday greetings include the information about the preferential transfer and remittance on your birthday; the warm reminder includes the following contents of all your accounts: expiration of notice deposit, expiration of time deposit (30 days in advance), expiration of Li Tianli financial agreement ( 7 days in advance reminder), temporary loss report card (prompt expiration date of loss report).

(Twenty-four) Farewell page

Provides you with a farewell page when you log out of mobile banking (WAP), displays the length of your current login, and displays this login The important transaction records made include five elements: time, operation, account number, amount/share, and handling fee.

Applicable objects

All personal customers of our bank.

Features and advantages

1. Use it anywhere. ICBC Mobile Banking (WAP) provides you with 24/7 services. As long as you carry a mobile phone with Internet access, you can easily manage accounts, manage finances, and pay fees no matter where you are at any time. In the "palm" of your hand.

2. Application is easy. It is convenient to apply for ICBC Mobile Banking (WAP). You can self-register through our bank’s portal website, mobile website, and personal online banking. You can also go to an ICBC business outlet to complete the over-the-counter registration procedure at any time. It is simple and convenient (self-service registration customers cannot Handle external transfer payment business).

3. Rich functions. ICBC Mobile Banking (WAP) provides you with financial services such as transfers and remittances, bill payments, mobile stock markets, funds, and foreign exchange transactions, allowing you to grasp market trends at your fingertips and accumulate wealth at all times.

4. Safe and reliable. The fund transfer function of ICBC Mobile Banking (WAP) has strict restrictions. You must go to the counter to sign an agreement in person before you can transfer, pay, or pay. At the same time, ICBC also adopts various means such as static passwords and electronic banking password cards to ensure the security of your funds and information.

5. Log in quickly. To facilitate your operation, our bank has launched the "Quick Login Software". After you download and install it, click the software icon in the mobile phone menu to log in with one click.

Requirements for opening

You need to hold an ICBC Wealth Card, Money Link Card, Financial Management Card, Peony Credit Card or current passbook and a mobile phone that supports Internet access

Activation process

Self-service registration:

1. Mobile website channel: You can log in to our bank’s mobile website (wap.icbc.com.cn) through your mobile phone and select “Self-service registration ” and then activate it by yourself according to the prompts.

2. Website channel: You can log in to our bank's portal website (www.icbc.com.cn), click on the self-service registration for mobile banking on the right side of the portal homepage or on the left side of the personal online banking login page. Click on the self-service registration of mobile banking (WAP) and follow the prompts to activate it yourself.

3. Online banking channel: Select the registration channel as mobile banking (WAP) in the "e-banking registration" of personal online banking, enter the registration activation information entry page, select the registration card to be activated, and enter the reservation The registration is successful after the verification information, login password, preferred registration card number and other information are submitted and verified.

Counter registration:

You can go to an ICBC branch with your valid ID and bank card, fill in the "Industrial and Commercial Bank of China Electronic Banking Personal Customer Registration Application Form" and go through the registration procedures. .

Service channels and hours

Visit the ICBC mobile website wap.icbc.com.cn via mobile phone and click the "Personal Mobile Banking (WAP) Login" link to log in to ICBC Personal Mobile Banking (WAP).

Fees and Tax Standards

For data service fees incurred due to mobile phone login to the network, please refer to the charging standards announced by the service operator.

Operation Guide

Notes

1. Before applying for mobile banking (WAP), please confirm whether your mobile phone can access the Internet normally. If not, To access the Internet normally, please consult the local telecom operator or mobile phone manufacturer. You can also refer to the hotspot answers on the ICBC website for troubleshooting.

2. For real-time transactions such as precious metals, foreign exchange, and small-amount foreign exchange settlement and sales, please complete it within ten seconds. If the timeout exceeds, the transaction may fail.

3. If you are already a customer of ICBC USB-Shield certificate and want to open mobile banking (WAP), you can separately apply for a password card or ICBC electronic cipher through counter registration. The use of the original USB-Shield certificate cannot be used. affected.

4. When downloading and installing the "Quick Login Software", please select the corresponding mobile phone brand and model. Please refer to the FAQ for specific usage.

3. Login password: refers to the password you use to log in to mobile banking (WAP).

Your login password for mobile banking (WAP) for the first time is the password reserved during registration.

4. Payment password: This is the password you use when handling external transfers and remittances, bill payments, consumption payments and other services through mobile banking (WAP).

Payment passwords include dynamic passwords and static passwords. Dynamic password refers to a password whose content changes dynamically and is unpredictable. The storage medium for dynamic password character information is an electronic banking password card. Customers who have applied for an electronic banking password card can enter the dynamic password when handling mobile banking (WAP) external payment transactions. Identity confirmation. If customers with static passwords want to handle mobile banking (WAP) external payment transactions, they must go to the counter to add a transfer account.