Use mobile banking to transfer money to friends. Can the transfer record be deleted?

You can delete records on your mobile phone.

You can modify or delete the common payee records of transfer and remittance through the "Payee List" of mobile banking.

Bank card transfer transaction records cannot be deleted, but can be used for inquiry.

The specific operation steps are as follows:

Take China Construction Bank as an example:

1, log in and go to the home page and click "Transfer".

2. Enter the "Transfer" page and click "Payee List" on the right.

3. The contact person who recently transferred money will be displayed in the payee register. Click the contact to be deleted, and then slide to the left, and the "Modify" and "Delete" buttons will appear.

4. Click "Delete" and then click "OK" in the pop-up window to delete the contact from the list of common payees.

The transaction cost of mobile banking is only one-fifth of the traditional way. According to statistics, the average transaction cost of foreign mobile banking is $ 0. 16, which is much lower than the traditional counter transaction cost 1.07 (85% lower). However, domestic counter transactions average around RMB 4 yuan, and the cost of using mobile transactions is only 0.6 yuan.

Therefore, using the convenience provided by mobile phones can reduce the operating costs of banks, increase the income of mobile operators and benefit consumers and related companies.

Extended data

When transferring money by mobile banking, filling in the wrong account number, filling in the wrong name and choosing the wrong bank of the payee's bank card will lead to the transfer failure.

If it is an empty account, the money will also be returned within 24 hours; If the account number exists and the name does not match, the bank will return it after verification, usually within three working days; If the account exists and the other party's name can match, please contact the bank immediately and call the police if necessary.

When transferring money, you must make it clear that the nature of this money is borrowing, or you can make it clear in the postscript of WeChat transfer or red envelope. The same is true of mobile banking transfer records. Although the name and card number of the bank transfer are real names, other evidence or witness testimony is needed to borrow money.

In this way, in the event of a dispute, it can be determined that the nature of the money is a loan, not for other purposes or as a gift.

Baidu encyclopedia-mobile banking