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Why can't bank cards and mobile banking transfer money?

What is the reason why mobile banking can't transfer money by mobile phone?

Mobile banking cannot transfer money,

1. Maybe you didn't open online banking.

2. Mobile online banking has not been opened.

3. Some mobile banks have no transfer function.

4. Mobile banking clients that have not signed a contract in the banking business hall can only inquire and cannot transfer money.

Suggestion:

1. Please bring your ID card and bank card to the bank business hall to sign up for mobile banking client service.

2. Mobile banking must be signed in the bank first, and then activated on the mobile phone.

3. It is more convenient to bind Alipay in Alipay wallet.

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, mobile banking not only enables people to handle all kinds of financial services at any time and any place, but also greatly 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. At present, all businesses conducted through telephone banking can be realized through mobile banking, and mobile banking can also complete secondary transactions that telephone banking cannot achieve.

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.

What is the reason why mobile banking can't transfer money?

Reasons why mobile banking can't transfer money:

1. Maybe you didn't open online banking.

2. Mobile online banking has not been opened.

3. Some mobile banks have no transfer function.

4. Mobile banking clients that have not signed a contract in the banking business hall can only inquire and cannot transfer money.

Suggestion:

1. Please bring your ID card and bank card to the bank business hall to sign up for mobile banking client service.

2. Mobile banking must be signed in the bank first, and then activated on the mobile phone.

3. It is more convenient to bind Alipay in Alipay wallet.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal.

. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers.

The characteristics and advantages of mobile banking are as follows:

1, available at any time, personal service. Have mobile banking and enjoy 7×24 hours personal service.

2. Rich functions and fast transactions. Mobile banking not only provides all kinds of non-cash and non-documentary basic financial services, but also includes mobile stock market, fund trading, precious metal trading, national debt trading, foreign exchange trading, wealth management products, investment and wealth management services that follow the market trend, and national telephone recharge and other special payment services.

Why can't mobile banking transfer money? What happened?

The reason is that the transfer on that day has exceeded the limit. In order to ensure the safety of deposits in bank cards, banks generally set limits on bank card withdrawals and transfers. After exceeding this limit, they must go to the bank counter. For example, on the day of setting up a bank card, the transfer amount is 50,000 yuan and the ATM withdrawal amount is 20,000 yuan. On the same day, 50,000 yuan has been transferred to others, and the second transfer of 1 10,000 yuan will be restricted, and the transfer cannot be successful. Take the bank card to the ATM to withdraw cash. Generally, only 20,000 cash can be withdrawn at present. After more than 20 thousand yuan, you can't withdraw cash again on the same day. You can only go to the bank counter when you are still withdrawing cash. So, the reason for the transfer is the same. You have reached the maximum transfer limit that day. Of course, you will be restricted from transferring money by the bank, so you cannot transfer money successfully.

The bank card does not have the transfer function. By default, the bank card does not enable the transfer function. Some bank cards need to apply for transfer function. If the bank card itself does not have the transfer function, bank transfer will naturally be restricted. So when you encounter this problem, first find out whether the bank card has the transfer function. If you don't enable the function, it's useless to have money in it. You can't transfer money, you can only withdraw cash or spend it. In this case, the best way to handle it is to open the transfer function at the bank counter with your ID card and bank card, and at the same time handle the transfer of 1000 yuan.

Bank card transfer setting limit. In order to control their bank consumption or ensure the safety of bank card deposits, some people usually set bank card transfer limit. For example, the single limit I set for my bank card was 500 yuan, which was 999 yuan. Over time, I forgot to set a limit for my bank card. In this case, the best way is to log in to the bank's mobile APP and reset the transfer limit. I really don't know how to operate, so I can only go to the bank to seek the help of the bank staff.

The bank card is abnormal. If the above three reasons have not solved the problem, it must be the problem of the bank card itself, and the bank card is abnormal, resulting in limited transfer. For example, there are the following anomalies: the bank card ID card has expired and the new ID card has not been updated and uploaded in time; The bank card of the transferor is abnormal, and the transfer is unsuccessful due to other reasons of the payee; Or you can turn off the bank card transfer function yourself in the bank mobile APP. The above three points will cause the bank card to be abnormal, restricting the consumption, cash withdrawal and transfer of the bank card.

Ways to increase the quota

1. Modify directly in online banking. Generally speaking, there will be bank card settings on the online banking page, and the transfer limit can be changed.

2. Please ask customer service to help modify it. Call the customer service hotline and provide ID information and transaction password to change the limit.

3. Go to the counter to modify it, and take your ID card and copy to the counter. Transfer limit refers to the maximum amount when a wealth management account transfers money to an account other than the associated card and agreement account. If the branch limit is exceeded, the branch instruction will not be executed.