How long does it take for the mobile banking transfer to arrive?

If you transfer money by mobile banking, it will arrive in real time or in general, that is, it will arrive in about 2 hours, 1 arrive in 3 working days, depending on the time of your transfer, whether it is peer transfer or not, and the incoming time of the receiving bank.

If you use mobile banking for inter-bank transfer, it usually takes about 1 to 3 working days. And the arrival time is also related to your connecting flight time.

In fact, for inter-bank transfer using mobile banking, the arrival time is not only related to the time of your transfer, but also related to the receiving bank, and the arrival time will also depend on the systematic processing of the inter-bank clearing system between the People's Bank of China and the receiving bank.

Extended data:

Mobile banking transfer fee

You can transfer money from a current account to a current account through the transfer and remittance function of mobile banking.

China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications have just jointly announced that since February 25, 2006, customers will be exempted from handling fees for transfer and remittance services through mobile banking, regardless of inter-bank or off-site. At the same time, the five banks promised to waive the handling fee for domestic RMB online banking transfers and remittances below 5,000 yuan to reduce customer expenses.

Now there are more than 70 banks, and mobile banking transfers are free.

How long does it take for the mobile banking interbank transfer to arrive?

If you are in the same city and it is during working hours, it will be very fast, usually a few seconds to ten minutes.

If it is not working hours, and the volume is large (more than 50 thousand), it may not be processed until the next day.

If it is a cross-bank trip in different places, the working time is generally within ten minutes to 1 hour.

If it is a cross-bank trip, a large sum of money or a holiday, it may take three days or more.

Advantages and disadvantages of mobile banking transfer

1, advantages of mobile banking transfer

First, there is no limit or a small amount, and second, the arrival time is faster.

Generally, there is a strict limit on the amount of money transferred through third-party payment, and not much money can be transferred within one day or one month, so mobile banking is the best way if the transfer is large. In addition, if it is a transfer between peers, or an inter-bank transfer within working days, through mobile banking, in most cases, even if the account is received, the transfer through third-party payment will be relatively slow.

2. The shortcomings of mobile banking transfer

Poor operating experience and complicated steps.

Although basically every bank has developed its own mobile banking, some banks have a very bad experience. For example, ABC's mobile banking must enter both the mobile phone number and the bank card number before logging in. After filling in the transfer-in account information, it is also necessary to enter the payment password and connect the KBao device, otherwise the transfer cannot be made. For ordinary small transfers, if each transfer is still so troublesome, the experience will definitely be greatly reduced.

Matters needing attention in using mobile banking

1. Users should first set a password with a high security level and keep it properly to prevent leakage.

2. If the mobile phone is lost, the service should be suspended or cancelled through bank outlets, online banking and bank customer service hotline. The first time.

3. After the opening of mobile banking, it is necessary to set payment limits to reduce risks.

4. Avoid logging into websites with low security level or unfamiliar when surfing the Internet, and develop the habit of regularly killing mobile phone viruses.