The uses of mobile banking mainly cover the following contents:

(1) Account management

Provide you with balance inquiry, current day detail inquiry, historical detail inquiry, and registration Card maintenance, account loss reporting, default account settings, bank account services and other functions.

Registered card maintenance is a function for you to add and delete mobile banking (WAP) registered cards/accounts by yourself. The default account function is to facilitate operation and designate a commonly used one among multiple registered cards/accounts as the default account.

(2) Transfer and remittance

Provide you with remittance within the bank, inter-bank remittance, remittance to E-mail, mobile phone number, fixed deposit transfer, notice deposit, in-person foreign currency transfer, I Payee maintenance, personal online banking my payee, telephone banking my payee and other functions.

Remitting money to email or mobile phone number means that the payee only needs to bind a personalized alias and payment account number, and the remitter enters the payee's name, remittance alias and amount when remitting money to remit money. Call deposit allows you to transfer funds from the current sub-account in your Elite Club account card or Money Link card to call deposit. The minimum deposit amount for call deposit is 50,000 yuan. Personal foreign currency transfer is a function that allows you to transfer and remit foreign currency from your account in another place to a designated account.

(3) Payment business

You can use this function to pay for branch special payment items, and support you to submit payment reservation instructions during non-working hours. The system will Handle business for you within time. After successful payment, the item can be stored in My Payment Items. You can also perform payment, query, addition and deletion operations on personal payment items through "My Payment Items".

The content of the entrusted withholding agreement signed by mobile banking supports you to sign, inquire and cancel the entrusted withholding agreement under the mobile banking-payment business function.

(4) Mobile stock market

You can check the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through mobile banking (WAP), and enter the stock code in "Customize My Stocks" to customize or Delete the stocks you care about. You can use the "Third Party Custody" function to transfer banks to securities companies, securities companies to banks, and related inquiry transactions. In addition, you can also link to the WAP site page of a securities company for stock transactions.

(5) Fund business

Provides you with the ability to query the detailed information of a certain fund (including: fund code, name , type, net value, historical net value, etc.), and can set the focus on funds as the function of self-selected funds. You can also quickly and conveniently perform operations such as fund subscription, subscription, fixed investment, redemption, order cancellation, balance and history details inquiry, etc.

(6) Treasury bond business

Supports one-stop purchase of savings treasury bonds (certificate type) and book-entry treasury bonds.

Savings treasury bonds (certificate type) can be used to query information, purchase, redeem, and check the balance of treasury bonds. Book-entry treasury bonds can be used to query treasury bond-related information, open custody accounts, purchase, sell, transaction balances and detailed inquiries.

(7) Foreign exchange business

Provides you with the ability to query the real-time transaction exchange rate of foreign exchange (including: buying price, selling price, etc.) based on conditions such as basic order, cross order, used order, and optional exchange rate. Bid price, middle price, highest price, lowest price), conduct foreign exchange buying and selling transactions or set up foreign exchange entrusted transactions (including profit entrustment, stop loss entrustment, two-way entrustment, additional entrustment) according to the real-time foreign exchange rate, as well as inquiry of account balance and transaction details function.

(8) Precious metals

Provides you with the ability to query the real-time prices of precious metals in gold, silver, platinum and other accounts in RMB/USD accounts (including: bank buying price, bank selling price), According to the real-time account price of precious metals, you can conduct buying and selling transactions or set up entrusted transactions (including profit entrustment, stop loss entrustment, and two-way entrustment), as well as the function of querying the balance of brand gold accumulation and account information.

(9) Bank-futures transfer

Through the corresponding relationship between the futures company’s margin account at ICBC and the futures investor’s (hereinafter referred to as “investor”) bank settlement account, the investment After the investor performs the transfer operation through mobile banking (WAP), the real-time transfer between the investor's bank settlement account and the futures company's margin account can be realized. The futures company will adjust the futures investor's position in the futures company in real time based on the changes in its bank's futures margin account. Fund account balance provides fund settlement convenience for futures trading.

(10) Credit Card

Provides you with the function of checking the balance and transaction details of your credit card, and returning the account overdraft in RMB and foreign currency overdraft to your own credit card. It also supports credit cards. Installment payment function.

(11) Customer Service

Provide you with balance change reminder customization/query/modification/cancellation, main menu customization, self-service service fee payment, authority management, modified login/payment Password, electronic banking registration/management, canceling mobile banking (WAP), setting customer reservation information, statement and other functions.

The main menu customization function is for convenience and allows you to set frequently used functions as personalized menus. Permission management is a function that allows you to choose to close e-commerce, payment, external transfer and other permissions of mobile banking (WAP).

Setting customer reserved information allows you to query and modify the reserved information. The information reserved for mobile banking (WAP) is set separately and may be inconsistent with the reserved information for personal online banking. Provides the function of changing the color of the user interface to make our bank's mobile banking more personalized.

(12) Small-amount foreign exchange settlement and sale

Small-amount foreign exchange settlement and sale means that you use a counter-registered card to handle small-amount settlement within a designated amount through mobile banking (WAP). Foreign exchange sales and transactions, and detailed information on small-amount foreign exchange settlement and sales transactions can be checked online.

(13) Housing Provident Fund Business

Provides you with the ability to check the basic information of housing provident fund accounts, housing subsidy accounts, and provident fund loan accounts (balance, number of months of disbursement, etc.) through mobile banking (WAP) payment amount, etc.) and account transaction details.

(14) Personal loan business

Provides you with the ability to query outstanding loan contract information, IOU information, repayment schedule, repayment details and other information through this function. Provident fund entrusted loan inquiries are not included in this function. Through this function, you can learn about the outstanding loan balance, interest, accumulated interest, interest rate and next repayment date, etc. to help you return the loan in time and deal with the arrears.

(15) Branch special services

Special services provided by branches to customers in their respective business areas.

(16) Welcome page

Provides you with a welcome page after logging into mobile banking (WAP), displaying birthday and holiday greetings, safety tips, bank messages (bank announcements and Marketing information), warm reminders and other information. Among them, the birthday greetings include information about enjoying discounts on transfers and remittances on your birthday; the warm reminders include the following information about all your accounts: expiration of notice deposits, expiration of time deposits (30 days in advance), and expiration of the Litianli financial agreement ( 7 days in advance reminder), temporary loss report card (prompt expiration date of loss report).

Provide you with a farewell page when logging out of mobile banking (WAP), showing the length of time you have logged in, and displaying important transaction records made during this login, including: time, operations, Five elements: account number, amount/share, and handling fee.

FAQ

1. Is it safe to use mobile banking (WAP)?

Mobile banking (WAP) uses the most advanced encryption methods to ensure the security of your information at all times. Flexibly control external payments by binding mobile phone numbers to bank accounts and using electronic banking password cards for identity authentication.

2. When I go to a branch to apply for mobile banking (WAP), do I have to choose an electronic banking password card as the authentication medium?

In order to fully protect the security of customer funds, when you go to the branch to apply for mobile banking (WAP), you must choose the electronic banking password card as the authentication medium. If you are a personal online banking password card customer of our bank, register Finally, you can use a password card to make inquiries, transfers, etc. It is convenient and fast, and there is no charge at the moment. However, it requires the mobile phone to be connected to the Internet, and the traffic is calculated. If the transfer speed is fast, China Mobile or China Unicom can charge about one or two cents for a transfer. WAP mobile banking cannot be used for Alipay payment. Any actions on your account will be Having text messages to notify you is the most practical use. You can also check your balance using your mobile phone.