Profitable pending orders in ICBC's personal account foreign exchange trading business refer to pending orders whose prices are better than the real-time trading quotation, that is, the buying price of user pending orders is lower than the current bank selling price or the selling price of user pending orders is higher than the current bank buying price. When the trading quotation reaches the user pending order price, the transaction is conducted at the pending order price.

Personal foreign exchange trading is another new personal financial business launched by ICBC for individual customers. Users can exchange one foreign exchange into another according to the quotation updated by ICBC in real time. Through foreign exchange trading, users can obtain exchange rate differential income from frequent exchange rate fluctuations, and can exchange foreign exchange with lower interest rate into foreign exchange with higher interest rate to increase interest income.

At present, ICBC's personal foreign exchange trading currencies include: US dollars, Japanese yen, Hong Kong dollars, British pounds, euros, Canadian dollars, Swiss francs and Australian dollars.