Business profile
"Remittance through train" refers to the business that the remitter remits the local and foreign currency funds to the designated domestic payee in cash or by transfer at China Industrial and Commercial Bank.
☆ Applicable object
Individual customers can safely and conveniently handle the "remittance through train" business through ICBC.
☆ Characteristic advantages
1. Accurate and fast receipt. Remittance between ICBC accounts, check the name and account number to ensure that the money is recorded accurately. At the same time, RMB remittance between ICBC accounts arrives in real time; Foreign currency remittance between ICBC accounts will arrive immediately after remittance if the receiving account is local, and will generally arrive the next day if the receiving account is in a different place; For remittances opened in other domestic banks, ICBC will also handle them quickly, but the time of arrival depends on the receiving bank.
2. It is very convenient to handle. You can handle remittance business through ICBC outlets, online banking, mobile banking (WAP), mobile banking (SMS), telephone banking, ATM, self-service terminals (remittance machines) and other channels.
3. remittance package. Remittance package is a service launched by ICBC to provide preferential remittance fees for individual customers with frequent remittances. If you have purchased a remittance package, you can use a smart card or wealth management account card that purchased the remittance package within the validity period of the package to handle RMB remittance in different places or inter-bank RMB remittance within a specified amount through ICBC remittance channels, without having to pay extra remittance fees in different places or inter-bank remittance fees. If the quantity exceeds the specified quantity, it needs to be paid one by one according to the charging standard of ICBC's "remittance through train" business.
4. Express remittance. If you don't know the payee's account number, you can apply for quick remittance, that is, remittance without an account number, and remit the funds to the payee. The payee shall go through the withdrawal formalities at ICBC outlets with his valid certificate, remittance password and remittance business number.
5. Arrival reminder and remittance information. If you provide the payee's mobile phone number, you can send remittance reminder and remittance message to the payee through ICBC after handling the "remittance through train" business.
6. Online remittance is more powerful:
(1) Batch remittance. You can not only make a single transfer and remittance, but also upload the pre-edited transfer and remittance documents from the local area and send them to our bank for batch processing, thus completing the batch transfer, saving time and effort.
(2) My payee. 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 simplifies your input workload and avoids misoperation.
(3) Alias remittance, that is, remittance to email address and mobile phone number. The payee only needs to bind the personalized alias and payee account number, and the remitter can remit money by inputting the payee name, remittance alias and amount when remitting money.
(4) remittance inquiry. You can query the payment or collection transaction records of transfer and remittance on the same day or in the past period through the function of "Transfer and Remittance Query".
7. Telephone bank remittance is 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.
8. Mobile banking transfer and 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
Service channels: You can handle remittance business through ICBC outlets, online banking, telephone banking, mobile banking (WAP), mobile banking (SMS), ATM, self-service terminals (money transfer and remittance machines) and other channels.
Use skills
You can handle the "remittance through train" business through ICBC's online banking, telephone banking, mobile banking (WAP), mobile banking (SMS), ATM and self-service terminal (all-in-one transfer and remittance machine) to realize "7*24-hour" arbitrary remittance, and you can also enjoy more handling fee concessions and featured, refined and humanized additional services. In order to save your precious time and expenses, it is recommended that you give priority to the above channels for remittance.
☆ Operation guide
1. Transfer and remittance by business outlets. You can use ICBC wealth management account card, ICBC Smart Card or ICBC passbook, or you can take your valid ID card to the business outlets in cash.
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) Alias remittance. 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 # * * * *
5. Mobile banking (WAP) remittance. Check process >>
☆ prompt
1. When handling personal foreign currency remittance, please pay attention to the following provisions of the State Administration of Foreign Exchange:
(1) The domestic transfer of personal foreign exchange savings account funds is limited to the transfer of foreign currency funds between accounts in my name and between individuals and their immediate family accounts. The transfer of foreign currency funds between individuals and their immediate family accounts must be handled with valid identity documents of both parties and proof of immediate family members. Immediate family members refer to parents, children and spouses. Proof of lineal relatives refers to the household registration book, marriage certificate of lineal relatives and the valid proof of kinship issued by sub-district offices or public security departments and notary departments.
(2) The nature of foreign exchange remittance collection account and payment account must be the same, that is, "bill to bill account, remittance account to remittance account", that is, "the nature of bill/remittance remains unchanged before and after fund transfer".
2. Please check the payee's account number and account name when transferring and remitting money at business outlets and online banks. After remittance, please inform the payee in time to check.
3. For the convenience of operation, you can save the commonly used collection account information to "My Account → Registered Account Management → My Payee" in online banking, so that you can directly query and use it next time.
4. In order to reduce your transaction risk, if you don't apply for U shield (personal online banking customer certificate), the amount of online banking remittance is limited. For specific standards, please refer to the personal online banking transaction rules of Industrial and Commercial Bank of China.
5. 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.
6. If the online banking payer 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.
7. 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.
8. 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.
9. To transfer money and remit money through telephone banking, you need to register telephone banking and add your card or account to it. 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.
10. 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 for external transfer at ICBC outlets. 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).
I think it's almost enough to refer to the above procedure.