Postal bank's handling of public transfer and private landing

Online banking business transfer is divided into "logged in" and "not logged in". The so-called "landing" means that the electronic instructions submitted by customers are sent to the sub-branches, and the sub-branches print paper vouchers, and then handle related businesses according to the contents of the paper vouchers. ? "No landing" refers to the business processing mode that the electronic instructions submitted by customers are directly sent by the banking system without being processed by branches.

Opening condition

1, document requirements: customers need to have valid identity documents, such as ID card, passport, military officer's card, etc. , handle the card and fold it;

Account requirements: You need to register the account types designated by China Postal Savings Bank, including secret passbook, debit card and credit card. It should be noted that confidential passbook refers to local currency settlement account, foreign currency current all-in-one account and foreign currency fixed all-in-one account; Debit cards include ordinary green cards and local and foreign currency green cards MasterCard.

Open process:

Counter registered customer refers to the account holder of the Postal Savings Bank, who is registered as a personal online banking customer through the branch counter. Counter registered customers can handle online inquiry, transfer and remittance, investment and wealth management, online payment and other services through personal online banking. According to the different authentication methods, counter registered customers are divided into three categories, and the security level and transaction limit are from high to low.

The first category: "UK+SMS" customers-when registering at the counter, you can choose to buy the UK as the authentication method and add SMS as the auxiliary authentication method. When logging in to the personal online banking of Postal Savings Bank, you need to enter the correct SMS verification code in addition to the British password on the transaction confirmation page in order to succeed in the transaction.

"UK+SMS" customer transfer, inter-bank remittance, online payment business, the limit of single transaction and daily cumulative transaction is 20.

00,000 yuan; For exchange business, the single transaction limit is 50,000, and the daily cumulative transaction limit is 2 million; For cross-border remittance business, the single remittance is equivalent to $2,000 (inclusive), and the daily cumulative equivalent is $5,000 (inclusive).

The second category: "Electronic Token+SMS" customers-when registering at the counter, you can choose to buy an electronic token as the authentication method. When logging in to personal online banking of savings bank for fund transaction, enter the dynamic transaction password of electronic token on the transaction confirmation page, and the transaction is successful.

Electronic token customer transfer, inter-bank remittance and online payment services, the single and daily cumulative transaction limit is 200,000 yuan; The single transaction limit of exchange business is 50,000, and the daily cumulative transaction limit is 200,000.

The third category: SMS customers-choose SMS as the authentication method when registering at the counter of our bank. When a customer logs in to the personal online banking of the savings bank for fund transaction, the system sends a 6-digit verification code to the mobile phone number provided by the customer when registering at the counter. Just enter the correct mobile phone verification code on the transaction confirmation page, and the transaction will be successful.

For customer transfer, inter-bank remittance, remittance business and online payment business, the limit of single transaction and daily cumulative transaction is 6,543,800 yuan.