Mobile banking can only transfer 50 thousand on the same day. How to change it?

Mobile banking transfer limit can be modified in two ways. The first way is to bring your ID card and bank card to bank outlets and counters to increase the transfer limit. Another way is to apply for adjusting the quota directly online.

1. What is mobile banking?

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. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

The customer's mobile phone is connected with the bank through the mobile communication network, which is a brand-new business product that can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

Two. Mobile banking function

(1) account management

Provide customers with account management functions such as balance inquiry, daily detailed inquiry, historical detailed inquiry, registration card maintenance, account loss reporting and default account setting.

(2) Transfer and remittance

Mobile phone remittance is a function for customers to transfer money to the default account of customers who have opened mobile phone banking (WAP) by inputting the bank card number or mobile phone number of the payee.

(3) Payment business

Through this function, customers can pay daily project expenses, and support customers to submit appointment instructions for payment after non-working hours (branch business is required), and the system will handle business for customers during working hours. After the payment is successful, the items can be saved in my payment items, and customers can also pay, inquire, add or delete personal payment items through My Payment Items.

(4) Mobile phone stock market

Customers can query the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through WAP, enter the stock code in "Customize My Stock", and customize or delete the stocks they care about. Customers can conduct bank-to-securities company, securities company-to-bank and related inquiry transactions through the "third-party depository" function. In addition, they can also link to the WAP website page of securities companies for stock trading.

(5) Fund business

According to the fund company, fund type, fund code and self-selected fund, customers can query the detailed information of a fund (including fund code, name, type, net value, historical net value, etc.). ), and key funds can be set as self-selected funds, and operations such as fund subscription, subscription, fixed investment, redemption, cancellation, balance and historical details can be performed quickly and conveniently.

(VI) Precious metals

Provide customers with the functions of inquiring the real-time price of RMB paper gold (including bank buying price and bank selling price), buying and selling paper gold according to the real-time price of RMB paper gold, or setting paper gold entrusted transactions (including profit entrustment, stop loss entrustment and two-way entrustment), and inquiring the accumulated balance of brand gold and account information.

(7) Credit card business

Provide customers with the function of checking the balance and transaction details of credit cards (including credit cards, debit cards and international cards) and returning overdrawn RMB and foreign currency accounts to their credit cards. At the same time, it supports the credit card installment payment function.

(8) Customer service

Provide customers with the functions of balance change reminder customization/inquiry/modification/cancellation, main menu customization, self-service payment, authority management, modifying login/payment password, canceling mobile banking (WAP), setting customer reservation information, statement and so on.