1. Gong Hu online banking has not expired, but the transfer shows that the transaction failed. There are many possible reasons: first, the account is frozen or payment is stopped; Second, the elements of collection account are wrong; Third, the transfer amount exceeds the limit.
2. Transfer the company account to the personal account.
First of all, you should check whether the account number you provided is wrong, such as name, account number and bank, because as long as any information is wrong, money cannot be transferred.
Secondly, we can see if there is not enough money in the public account, which leads to the transfer failure. Finally, you can see if the other party's card number is abnormal. The transfer amount will not affect your transfer failure, and there will be no distinction between public and private. It just means that it will be monitored if it exceeds 200,000.
The private transfer from the bank to the Agricultural Bank of China belongs to the inter-bank transfer remittance business, and it is necessary to ensure that the payee's account name, account number and bank are correct in order to receive the account smoothly. It usually takes one to three working days. If it is fast, it can be received within one day. If it is slow, it will take three working days, and the non-working days will be postponed, depending on the efficiency of both banks in handling business.
3. If the remittance elements are wrong, the remittance cannot be recorded in the other bank, so it can only be returned, and it will be returned to the remittance account about one week after remittance.
Judging from the cases taken over, the biggest reason is that the online banking of public accounts is valid for one to three years, which means yours has expired. You need to bring your business license, organization code certificate and official seal to the bank counter to reopen.
4. Public to public accounts:
If the other party gives you a transfer bill instead of a confirmation of bank deduction, there is a loophole, because some companies have bookkeeping and auditing of public accounts, and you can print or cut the transfer bill after auditing.
However, if the money is really sent out, you still need to click the confirm button. After confirmation, a remittance confirmation form with a red ICBC seal will pop up. Without this form, you can't confirm that money has been remitted. Also, if the account funds are insufficient, it may rebound after clicking OK, indicating that the balance is insufficient.
Transfer settlement refers to a kind of bank currency settlement method in which money is transferred from the payment account to the collection account through the bank without using cash directly. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far away, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.
2065438+On March 28th, 2009, the requirement of 24-hour receipt was cancelled and real-time receipt was implemented.
Transfer method
There are many ways of transfer settlement, which are mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection and non-acceptance settlement, limit cheque settlement, etc. Off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.
Mobile phone transfer
Domestic commercial banks have opened their own mobile banking, such as China Merchants Bank, to carry out three-year free activities of mobile banking transfer and remittance. Customers who register for mobile banking can handle the transfer and remittance business of China Merchants Bank in the same city, in different places, in the same city and in different places through the mobile banking of iPhone version, Android version, HTML webpage version or iPad bank, and can enjoy the preferential treatment of free transfer and remittance fees.
2065438+On February 25th, 2006, five banks of industry, agriculture, China, China Construction and Bank of Communications held a joint meeting on "Strengthening account management and promoting inclusive finance". The domestic RMB transfer and remittance handled by customers through mobile banking is free, and the domestic RMB online bank transfer and remittance for customers below 5,000 yuan is free, which reduces customer fees.
Handling principle
The bank shall handle the transfer settlement and the unit that handles the transfer settlement in the bank shall follow the principle of clearing the money and goods and safeguarding the legitimate rights and interests of both parties, and the bank shall not advance the payment.
application area
As a bank settlement method, transfer is widely used. Transfer settlement can be made between different places in the same city, between company accounts, between company accounts and personal accounts, and between personal accounts and personal accounts.