Do I need to use an electronic password for industrial and commercial mobile banking transfer? Very troublesome. I always have to carry my electronic password with me. I haven't used it for so many ye

Do I need to use an electronic password for industrial and commercial mobile banking transfer? Very troublesome. I always have to carry my electronic password with me. I haven't used it for so many years. ICBC's mobile banking transfer does not require an electronic password, and the transfer can be authenticated by ICBC's electronic payment SMS verification code.

Firstly, ICBC's electronic payment function is enabled in online banking, and then the authentication method is selected as the verification code authentication of ICBC's electronic payment SMS when using mobile banking. In this way, you can use the verification code of ICBC's electronic payment SMS to authenticate the transfer, and you don't need to bring an electronic cipher.

However, it should be noted that at present, the single payment limit of ICBC e-payment is only 1 10,000 yuan.

Extended data:

1. China Industrial and Commercial Bank stipulates that mobile phones must be authenticated and activated by security tools before bank transfer. If users without authentication are reminded, there is no authentication method or the card has no transfer authority, they will not be able to trade.

2. If the transfer is unsuccessful, it will prompt that there is no authentication method to refuse the transaction. You need to verify and activate the transfer authorization first. You can contact the service center directly without going to the bank counter to activate it. After activation, you can conduct self-service inquiry, transfer and financial management in ICBC safely and conveniently.

3. When using the telephone authentication activation method, you must use the reserved mobile phone number filled in when opening an account to receive the SMS verification code. If there is no reserved mobile phone number, you can't handle business online manually. Compared with queuing in the bank, telephone authentication is more convenient and faster.