service function
1, almost there. For RMB remittance, no matter whether the receiving account is local or off-site, your money will arrive in real time after remittance. For foreign currency remittance, if the collection account is local, the money will arrive in real time after remittance, and if the collection account is in a different place, it will generally arrive the next day.
2. Remittance currencies include not only RMB, but also all foreign currency savings currencies.
3. Diversified remittance forms. You can choose to remit money by cash or bank transfer.
4. It is very convenient to handle. You can handle RMB transfer and remittance at ICBC's business outlets all over the country, and foreign currency transfer and remittance can be handled at ICBC's designated foreign exchange business outlets.
5. The function of online remittance is more powerful: (1) Even if you don't know the account number of the payee, you can remit the money to your designated outlet by entering his name, certificate type and number, and the payee will withdraw money with valid certificates. (2) You can not only make a single transfer and remittance, but also upload a pre-edited transfer and remittance file from the local area and send it to our bank for batch processing, saving time and effort. (3) You can create a "My Payee" address book. When transferring money to members in the address book, you don't need to input their account names and account information, which can simplify your input workload and avoid misoperation.
6, telephone bank remittance, convenient and fast. You can transfer money between registered accounts through telephone banking or to other registered accounts. ICBC uses advanced telephone automatic voice system to provide you with convenient, fast, economical and accurate remittance service in different places. Call the 95588 hotline, and you can realize the transfer and remittance business in different places in the same city without leaving home. Let you fully experience the feeling of unimpeded remittance funds, and at the same time avoid the trouble of waiting in line at the bank counter, saving your precious time.
7, mobile banking transfer remittance, random. Mobile banking is also a good choice when it is inconvenient for you to surf the Internet or dial telephone banking. You can easily transfer funds by sending a short message in a specific format.
Service channel
You can handle the transfer and remittance business at ICBC outlets, online banking, telephone banking, mobile banking, ATM and self-service terminals. In order to save your precious time, ICBC suggests that you handle remittance through online banking, telephone banking, mobile banking, ATM and self-service terminals.
☆ Operation guide
1. Transfer and remittance by business outlets. You can use ICBC financial account card, Peony Link Card, Peony Link Card E era or ICBC passbook, or cash to handle it, and bring your valid ID card to the business outlet. When handling foreign exchange transfer and remittance, if the collection account is local, you need to fill in the "foreign exchange deposit certificate" and "foreign exchange withdrawal certificate" at the foreign exchange business outlets; If the collection account is in a different place, you need to fill in the "wire transfer voucher".
2. Online bank transfer and remittance.
(1) Single transfer remittance. Check process >>
(2) Batch transfer and remittance. Batch transfer and remittance refers to the transfer and remittance to multiple ICBC accounts in the same city by submitting batch transfer instructions at one time. Check process >>
3. Telephone bank transfer and remittance. Check process >>
4. Mobile banking transfer and remittance. Check process >>
Example of SMS format:
HK # 9558800200101234567 # 9558800200107654321# Qian Sunzhao # 350 # * * * *
HK # 9558800200107654321# Qiansunzhao # 350 # * * * *
☆ prompt
1. If the collection account number is in the same area as the card or passbook you use for remittance, we will not charge the transfer fee. If the account belongs to a different place, we will charge a handling fee of 1%, with the highest in 50 yuan and the lowest in 0 yuan.
2. When you handle foreign exchange remittance, please pay attention to the following provisions of the State Administration of Foreign Exchange:
(1) The name of the payee of foreign exchange remittance must be the same as the name of the remitter, or be the immediate family member of the remitter. If the payee's name is different from the remitter's name, the proof that the payee and the remitter are immediate family members must be produced. "Immediate family members" include "spouse, father (mother) and son (daughter)". The certificate is as follows:
A. If the payee and the remitter are in the same household registration book, the household registration book shall be presented.
B. If the payee and the remitter are not in the same household registration book, notarization or authentication documents issued by authorized institutions such as notary department or police station are required to prove that the payee and the remitter are indeed immediate family members.
(2) The nature of your foreign exchange remittance collection account and payment account in the same city must be the same, that is, "bank to bank, remittance to remittance", that is, "the nature of banknotes/remittances remains unchanged before and after the transfer of funds".
3. Please check the payee's account number and account name when transferring money from business outlets and online banks. Under normal circumstances, RMB remittance and foreign currency transfer in the same city arrive in real time. After remittance, please inform the payee in time to check.
4. If you don't know the payee's account number, or the payee doesn't open an ICBC account, you can remit the funds to any ICBC business outlet in the payee's area. Under normal circumstances, the remitted funds can be remitted to the business outlets designated by you on the same day, and the payee will go to the business outlets to handle the withdrawal procedures with his valid certificate (exactly the same as that set when you remitted money).
5. for the convenience of operation, you can save the commonly used collection account information in "My Account > ICBC Inter-bank Transfer and Remittance > My Payee" of online banking for direct query and next use.
6. If you don't apply for U shield (Personal Online Banking Customer Certificate), the amount of online transfer and remittance will be limited in order to reduce your transaction risk. For specific standards, please refer to the personal online banking transaction rules of Industrial and Commercial Bank of China.
7. The functions of "Transfer and Remittance Inquiry" and "Batch Instruction Inquiry" of online banking are only used to inquire about the transfer and remittance transaction information you have handled in online banking, and it is temporarily impossible to inquire about the transfer and remittance business completed through other channels.
8. If the payer of online banking selects "Do not allow the payee to inquire about the payment account number of this transaction" when transferring and remitting money, when the payment account is a personal account, the payee will not see the payer's account number information when inquiring about the payment information; When the collection account is a company account, the payee can query the collection information without restriction.
9. After the online banking remittance is successful, you can send a short message to the payee to remind the other party to inquire in time.
10. To handle online batch transfer and remittance business, you must apply for using U shield (individual customer certificate), download the client batch production software provided by our bank, and edit the batch transfer and remittance files in advance.
1 1. To transfer money through telephone banking, you need to register the telephone banking and add the card or account to be transferred to the telephone banking. When using telephone banking to send money in different places, you only need to add a "different card/account" in the telephone banking of the nearby ICBC business outlets. Telephone banking does not need to hold a "remote card/account" to add a "remote card/account". Remote accounts (whether yours or someone else's) can only be transferred in, not transferred out.
12. To use mobile banking to transfer money and remit money, you must first register the mobile banking (SMS) service, and open the mobile banking authority at the business outlets of ICBC for external transfer. Mobile banking can be used to remit money to accounts in different places, and the daily cumulative remittance amount does not exceed 1000 yuan. The transfer-out card can only be the registration card of mobile banking. The fee for remittance in different places shall be implemented according to the personal settlement fee standard of the People's Bank of China, and will be automatically deducted from the remittance account by the system. If you don't enter the transfer-out card number, the bank will transfer funds from the account of the default payment card when you register for mobile banking (SMS).