Others of mobile banking

Mobile Banking (SMS)

Mobile Banking (SMS) means that customers edit and send text messages in a specific format to the bank’s special service number. The bank handles inquiries and It is a new financial service method that provides transfers, remittances, donations, consumption, payment and other related businesses, and notifies customers of transaction results via text messages.

Features and Advantages Service Channels Application Conditions Operation Steps Precautions Business Instructions

1. Features and Advantages

1. Wide range of services and easy application

As long as your mobile phone can send and receive text messages, you can easily enjoy various services of mobile banking. You can self-register for mobile banking through the ICBC China website, or you can register at an ICBC branch. The procedure is simple.

2. Rich functions, convenient and flexible

Send text messages through your mobile phone to use eight categories of services including account inquiry, transfer and remittance, donation, bill payment and consumer payment. Moreover, when mobile banking provides more updated service functions, you can automatically enjoy various new services and functions without changing your mobile phone or SIM card. The mobile banking transaction code is composed of the first letter of the Chinese pinyin of the transaction name, which is convenient for memory. You can also send a text message "?" at any time to inquire about the use of various functions.

3. Safe, reliable, and multiple guarantees

The bank uses a variety of methods to protect the safety of your funds. First, the information transmission and processing of mobile banking (SMS) adopts internationally recognized encrypted transmission methods to achieve safe data transmission and processing between mobile communication companies and banks to prevent data from being stolen or destroyed; second, customers use mobile banking (SMS) to ) There are strict limits on the amount of external transfers; third, the customer's designated mobile phone number is bound to the bank account and a dedicated payment password is set.

4. 7×24-hour service, real-time arrival of funds

No matter where you are at any time, as long as you can send and receive text messages, you can immediately enjoy ICBC Mobile Banking (SMS) 7 ×24-hour all-weather service, transfers and remittances are instantly received, bill payments and consumer payments are completed in real time, everything is at your fingertips.

2. Service channels

ICBC China website and ICBC business outlets.

3. Application conditions

Customers who have a mobile phone from a mobile communication operator partnered by ICBC and are able to send and receive text messages can enjoy ICBC mobile banking services. You can log in to the ICBC China website and register for mobile banking immediately, or you can go to an ICBC branch to complete the registration procedures.

Self-service registration flow chart:

Tips:

1. If no confirmation information is returned for a long time after registering for mobile banking, mobile users can activate Function, that is, send "JH" to 777795588. Through this function, you can verify whether your mobile banking (SMS) registration has been successful (both self-service registration and counter registration users can use this function).

2. Before going through the registration procedures, you can also directly enjoy three types of services including inquiry, donation, and help (China Unicom users can only inquire about interest rates, exchange rates, and bond information). This service is limited to the Beijing area and will be launched in other areas gradually.

4. Operation steps

You only need to write a text message in the specified format and send it to (China Mobile: 777795588, China Unicom: Consumer Payment 7010, others 950895588) to achieve the following functions: < /p>

1. Query

⑴Account query: Send a text message with the content "CXZH# card number/account number" to query the balance and day's details of your bank account.

⑵ Query historical transaction details: Send a text message with the content "CXLS#Card number/Account number#Start date#End date" to query the historical transaction details of your bank account.

⑶ Query interest rates: Send a text message with the content "CXLL#Currency code#Interest rate type" to query the interest rates of local and foreign currency savings deposits.

⑷ Check the exchange rate: Send a text message with the content "CXHL#Buy Currency Code#Sell Currency Code" to check the real-time exchange rate for foreign exchange transactions opened by our bank.

⑸ Query bonds: Send a text message with the content "CXZQ#bond code" to query the buying and selling prices and accrued interest of listed government bonds.

2. Transfer

Send a text message with the content of "ZZ#Transfer card number#Transfer card number/Account number#Amount#Payment password", you can register in my mobile banking (SMS) Transfer funds between cards, transfer funds to mobile banking (SMS) agreed accounts, and external transfers.

3. Remittance

Send a text message with the content of "HK#Outgoing Card Number#Incoming Card Number/Account Number#Payee Name#Amount#Payment Password" to handle remittance.

4. Donation

Send a text message with the content of "JK#project code#card number#amount" to donate to charity organizations.

5. Consumption payment

After shopping on the Internet, select "ICBC Mobile Banking Payment", enter your mobile phone number, and then you will receive a message from our bank's mobile banking (SMS) system The shopping payment confirmation text message sent to you can be completed by forwarding the text message to (Mobile: 777795588******, China Unicom: 7010******).

6. Payment

Send a text message with the content of "JFDH#phone number#name" or "JFSJ#mobile number", and then directly forward the confirmation text message returned by our bank to you Go to (China Mobile: 777795588******, China Unicom: 950895588******) to complete the payment of your own and other people’s phone bills or mobile phone bills.

7. Change mobile banking registration information

⑴ Modify password: Send a text message with the content of "XGMM#Original Password#New Password" to modify your mobile banking (SMS) payment password.

⑵Change payment card: Send a text message with the content "GZFK#New Card Number" to change the default payment card when you register for mobile banking (SMS).

⑶ Cancel mobile banking: Send a text message with the content of "ZX# mobile banking payment password" to cancel the mobile banking (SMS) service.

8. Get help

Send a text message with the content "?" to query the transaction code of each function of mobile banking (composed of the first letter of the Chinese pinyin of the function name); Send a text message with the content "?#Transaction Code" to query the standard input format of the transaction instruction.

5. Notes

1. "Default payment card" refers to the registration card you specified when registering for mobile banking (SMS). You do not need to enter your card number when handling inquiries, transfers and other services through the default payment card.

2. "Payment password" refers to the password you set and confirmed when you registered for mobile banking (SMS). You must enter the payment password when handling transfers, remittances, payments, consumption payments, cancellation and other services. The payment password can be set to 6-8 digits or letters.

3. The transaction code is generally composed of the first letter of the Chinese pinyin of the transaction name. You can also directly enter the Chinese transaction name.

4. In the SMS format, each input item is separated by a separator. The separator can be a pound sign (#), a space or (,).

5. Our bank’s mobile banking (SMS) will charge information service fees based on the number of text messages you send, and transaction fees based on the number of long-distance remittances. For details, please refer to the electronic banking charging standards.