Similar to traditional banks, the quality of their online services is slightly different due to the different technologies, methods and services adopted by banks. For us ordinary users, whose online banking is more convenient and faster? Who charges less for online banking? Who has the best security in online banking?
China Merchants Bank (www.cmbchina.com)
Online Banking Brand: One Netcom
China Merchants Bank is the first bank in China to provide online banking. After years of development, online banking has been in a leading position among domestic peers. According to statistics, more than 95% of domestic e-commerce websites have adopted the "one card" of China Merchants Bank as a payment tool.
The online "personal banking" system of China Merchants Bank includes two parts: the popular version and the professional version. All customers of China Merchants Bank can automatically enjoy the online banking service (popular version) without applying for the "popular version". However, in order to become a "Professional Edition" user, you have to bring your valid ID card and China Merchants Bank card to China Merchants Bank outlets to fill out the "Application Form for Online Personal Banking Certificate of China Merchants Bank", apply for online personal banking (Professional Edition), obtain the authorization code, and follow the procedures in the "User Guide" prompted by the website. Considering the usage habits of readers, the author only introduces the "popular version" of personal banking here.
Handling: The user goes to the outlet of China Merchants Bank to handle the account opening formalities with his valid ID card. If the client handles the "one-card", the agent must also show the identity certificate of the agent. At the same time, users can also log on to the website of China Merchants Bank and apply for the "one card" service online.
Usage: After applying for "one-card", users can directly log on to the website of China Merchants Bank, select "Online Personal Banking (Popular Edition)" and enter the correct card number and password to perform the following personal banking services: checking account balance and transactions, transferring money, modifying passwords, etc.
If users need to pay online, they can apply for an online payment card at the business outlets of China Merchants Bank with their identity certificate and one-card card. In addition, you can also apply for an online payment card by calling China Merchants Bank Telephone Banking 95555 for manual service (online payment cards can be divided into physical cards or virtual cards). With the online payment card, you can freely purchase the goods provided by many special merchants who have signed online contracts with China Merchants Bank and spend online.
Charge: deposit 100 yuan in advance to open the "one-card".
Comments: Online and offline telephone contact, various application methods; It is very convenient for users to open online banking business; At the same time, due to the reasonable column setting and concise page of China Merchants Bank website, users can easily complete the operation under the prompt of the website; And the query speed is very fast, and the security of the website is also very high.
Bank of China (www.bank-of-china.com)
Online Banking Brand: Bank of China Online Banking
Personal online banking services provided by China Bank mainly include: account services, including account information inquiry, personal account transfer and payment on behalf of others; Investment services, including foreign exchange treasure, bank-securities transfer, bank-securities link, open-end funds and other self-service investment services; Credit card services, including credit card inquiry, repayment, loss reporting, online payment and other services; Information services, including the latest interest rates, foreign exchange information and market conditions.
Handling: First of all, users need to apply for the Great Wall electronic debit card at the business outlets of China Bank with their valid identity documents, fill in the China Bank Electronic Banking Service Agreement, and apply for the opening of electronic banking services. After the counter business personnel review and confirm the relevant information, the user's personal online banking business will be opened at the counter.
Usage: After becoming an official online banking customer, log in to the website of China Bank and select "Log in to Personal Online Banking" in the upper right corner of the homepage. After selecting the account opening place, you need to apply for online service registration, enter the correct debit card number, password and ID number as required, and then enter the online banking login account number, online banking password and personal data again. After successful registration, you can enter the "Personal Online Banking" of Bank of China for trading.
Charge: customers need to deposit 65,438+00 yuan before applying for Great Wall electronic debit card.
Comments: China Bank adopts the method of bank authorization and authentication before transaction, which ensures the security of users' online banking. In addition, China Bank has not set up a "personal edition" and a "professional edition" respectively, which greatly facilitates ordinary customers and provides a wide range of online services. Online banking login speed is average, but its security is extremely high.
Industrial and Commercial Bank of China (www.icbc.com.cn)
Online banking brand: Finance @ Home
China Industrial and Commercial Bank's online banking has a nice name-Finance @ Home. It is divided into financial passbook version, financial online registration version, financial counter registration version and financial certificate version. After becoming an ICBC online banking customer, you can not only transfer and remit money online at will, but also make online payment conveniently and flexibly, and also realize convenient and efficient online payment and professional foreign exchange, securities and insurance information and trading services.
Handling: users can handle credit card or passbook business at ICBC outlets with their valid identity documents.
1, Finance @ Home passbook version: ICBC's current passbook is required.
2. Online registered version of Financial Home: Customers must have one of ICBC's personal peony credit card, debit card, business card, smart card or comprehensive account card, and have not registered online banking service at the counter.
3. Financial Counter Registration Edition: Customers must have one of ICBC's personal peony credit card, debit card, business card, LinkedIn card or comprehensive account card. If you need to open the function of personal online banking for external transfer and personal remittance, you should bring your ID card and registration card to any local outlet that provides online banking account opening service.
4. Finance @ Home Card Edition: Customers need to have any bank card of ICBC, apply for personal customer cards at bank outlets, and open VIP services customized by ICBC for customers.
Use:
1, Finance @ Home passbook users can directly log in to the personal online bank passbook version and enjoy simple services such as balance inquiry and transaction details inquiry.
2. Finance @ Home Online Registration Edition: Users need to sign the online self-registration personal customer service agreement of China Industrial and Commercial Bank; And provide my valid ID number, bank card number, password and other related information. After self-service registration is successful, ICBC's personal online banking system can be used on the same day.
3. Financial Counter Registration Edition: Users need to carry valid ID and corresponding card numbers, fill in the registration application form at the business outlets of ICBC, and after the bank manager verifies that the above information is correct, they can go through the registration procedures for customers such as entering registration information and reserving online banking passwords. After successful registration, users can start using ICBC's personal online banking system.
4.Finance @ Home Certificate Edition: In addition to the functions enjoyed by users of the registered version of Finance @ Home, customers also enjoy large amount of money transfer and richer personal financial services.
Charge: RMB 65,438+00 needs to be deposited in advance to open an ordinary credit card or passbook.
Comments: ICBC's online banking has been subdivided for different customers, which greatly facilitates users to choose business types according to their own conditions. Online banking has fast login speed and good security.
Shanghai Pudong Development Bank (www.spdb.com.cn)
Brand of online banking: online banking
Shanghai Pudong Development Bank is a rising star of online banking, and its personal online banking mainly provides customers with services such as "easy financial management", "e-ticket" and "online second-hand housing".
The personal online banking user area of Shanghai Pudong Development Bank is divided into digital certificate users, dynamic password users and simplified users. The services provided by the simplified version of personal online banking users include account inquiry, fund transfer, instant messaging service and other functions. In addition to providing the above services, personal online banking users have added functions such as remittance transfer, online payment, securities fund investment, foreign exchange investment, online loan, enterprise annuity, insurance payment, associated account and credit card.
Its newly launched "Easy Financial Management" series products integrate powerful functions such as online banking, telephone banking and mobile banking, and build an easy and efficient financial management platform for you in payment, investment, financial management, financing and information. Assets and liabilities inquiry, so that you can see your assets and liabilities at a glance; The schedule of income and expenditure can track and record every change of funds at any time, showing the structure and distribution of income and expenditure; The appointed deposit function allows you to get a regular interest rate for spare money as long as you set a minimum amount; Withdraw money in advance, so that it is easy to pay utilities, repay loans and other trivial matters as long as a simple setting is made; It pays the bill in advance and makes an appointment for trading, so that you can analyze the stock market with peace of mind after work. You only need to make an appointment for trading entrustment, and the rest will be done automatically by the system. ...
Handling: Users can handle personal online banking procedures at any branch of Shanghai Pudong Development Bank with their valid ID card, Oriental Card or passbook. You can choose to use digital certificates or dynamic passwords as security for online banking transactions.
Certificate users need to download digital certificates, and dynamic password users need to register their mobile phone numbers and receive dynamic passwords through their mobile phones. Under the protection of digital certificate or dynamic password, you can handle almost all banking business except withdrawal in online banking.
Usage: As long as you are a customer of Shanghai Pudong Development Bank, you can enjoy the simplified version of Shanghai Pudong Development Bank's personal online banking service without going through any formalities. After logging in with your customer number, or Oriental card number, or current all-in-one number and inquiry password, you can not only inquire about your savings and personal loans, but also flexibly allocate savings deposits. You can transfer funds between credit cards under your name as needed, and current savings and fixed savings can be transferred to each other.
After the personal online banking user handles the personal online banking opening procedures, the online banking of Shanghai Pudong Development Bank will be opened in real time. You can directly log in to the website of Shanghai Pudong Development Bank, select "Personal Banking" and enter the correct password to handle personal banking business.
Charge: There is no handling fee for using any Oriental card or passbook of Shanghai Pudong Development Bank. Oriental card does not need a deposit in advance, and the current passbook is 1 yuan.
Comments: Simple opening procedures, rich products, diversified services, and the use of digital certificates to ensure user safety.
China Construction Bank (www.ccb.cn)
Online banking brand: Elutong
China Construction Bank launched online banking service in August 2003. As long as you successfully register a current account in online banking and become an online banking customer of CCB, you can carry out "account management", including account setting, balance/details inquiry, real-time transfer in the province, online quick communication and oral loss reporting functions, payment service, securities deposit transfer service, entrusted foreign exchange trading and inquiry service, "online payment" and so on.
Handling: The user holds his/her valid ID card to handle the password-registered account in real-name registration system at CCB outlets, including savings card, credit card, current 10% passbook or fixed deposit 10% passbook account.
Usage: After becoming a real-name registration system account, users need to log in to the CCB website, select "Open Online Banking" in the "Online Banking" column, truthfully fill in the customer information, set the online banking inquiry password and transaction password, and then log in to the "Easy Edition" online banking to use the functions of inquiry, payment and online transfer.
If the user wants to become a professional user, he/she needs to log in as a simple user, select "Upgrade Professional Edition" in account management, and then download and install the digital certificate, so that the user can log in as a professional user. However, you still need to bring your ID card, passbook and card to the bank outlet for confirmation. After becoming a "Professional Edition" user, you can handle online "Express Huitong" and foreign exchange trading.
Fees: RMB 65,438+00 is required to open a registered account in real-name registration system.
Comments: Due to the need for online and offline verification, the procedures for users to open online banking services have become cumbersome. Online banking login speed is average, and the attached functions are not unique.
Agricultural Bank of China www.95599.cn Branch
Online banking brand: 95599 online banking
Personal online banking customers of Agricultural Bank of China are divided into registered customers and corporate customers. Among them, registered customers can enjoy information inquiry, transfer transaction, roaming remittance, credit card repayment, online payment, financial services, information management and other services. However, corporate customers can only enjoy services such as Jinsui Card account balance inquiry, account details inquiry, password modification, temporary loss reporting and roaming remittance payment.
Handling: The user can handle the password-registered account in real-name registration system at the Agricultural Bank outlet with his valid ID card, including Jinsui debit card, Jinsui quasi-credit card, current passbook, current all-in-one account, etc. Next, users can become online customers of Agricultural Bank in two ways.
1, network application
Users are required to register at the China Agricultural Bank with their valid ID and original account, fill in the China Agricultural Bank Online Banking Individual Customer Registration Form, sign the China Agricultural Bank Online Banking Customer Service Agreement (Individual), and submit it to the bank outlets. Users will receive a password envelope made by the bank, which will be issued after being reviewed by the network personnel.
Step 2 Apply online
Users can log in to ABC's corporate customer system with Jinsui debit card or quasi-credit card, select "Online Registration Application" and fill in your basic information according to the prompts. After submission, users need to bring their valid identity documents and the original documents used in the application to the registered outlets of the Agricultural Bank of China, sign the Online Banking Service Agreement of the Agricultural Bank of China (Individual) and get a password envelope.
Usage: After receiving the password envelope made by the bank, users can log on to the website of China Agricultural Bank within 14 days and download the safety certificate according to the prompt information in the certificate usage guide. After installing the smart program, you can log in to "online banking" to operate.
Fees: RMB 65,438+00 is required to open a registered account in real-name registration system.
Comments: There are online and offline application methods, but they are all granted in the form of password envelopes, which ensures the security of users' online transactions. The website login speed needs to be strengthened, but the security is very good.
Bank of Communications (www.95559.com.cn)
Online banking brand: transaction link
Personal online banking of Bank of Communications mainly provides customers with services such as "online foreign exchange treasure, personal account management, credit card and fund transaction". "Online foreign exchange treasure" can provide you with timely reference exchange rate inquiry. Through it, you can conduct foreign exchange transactions, entrusted pending orders, two-way pending orders and stop-loss pending orders online. Through "Online Personal Account Management", you can inquire about the balance and transaction details of savings accounts, and conveniently carry out mutual transfer between fixed and zero-sum accounts and current accounts, as well as Kaka transfer between "Online Access" of Pacific Card.
In addition, "online fund supermarket" also provides you with a large number of different types of fund products. You can buy and sell funds, inquire about holding funds, inquire about fund net value and dividends. "Online Credit Card" provides you with functions such as available credit line inquiry, unpaid bill inquiry, bill inquiry and online repayment.
Handling: The user holds his/her valid identity document and goes to the business outlet of Bank of Communications to handle the "Pacific" card account opening procedures. At the same time, users can also log on to the website of Bank of Communications and fill in the "Pacific" card application form online. Upon completion, you need to print a copy and send it to the card center of Shanghai Branch together with a copy of your personal identity document.
Usage: After applying for the Pacific Card, users can directly log on to the website of China Merchants Bank, select a personal bank, enter the correct card number and password, and then perform the following personal banking services: checking account balance and transaction, transferring money, modifying password, etc.
If users need to pay online, they also need to bring their identification and Pacific card to the local Bank of Communications outlets to open the "foreign exchange treasure" function. However, if it is necessary to realize the mutual transfer between Pacific cards, you must go to the local Bank of Communications outlet and sign the Application for Inter-bank Transfer of Pacific Cards of Bank of Communications (Cancellation of Signing) before you can transfer the Pacific cards online.
Cost: RMB 65,438+00 is required to open the Pacific Card.
Comments: The login and inquiry speed of Bank of Communications online banking is faster, but the online application and mutual transfer procedures need to be simplified.