Personal Mobile Banking (WAP) refers to the electronic banking business that our bank provides self-service financial services such as account management, transfer and remittance, payment, consumer payment, wealth management and investment for individual customers through mobile phones based on WAP technology and relying on mobile communication networks. Personal mobile banking has the characteristics of portability, simple application, rich functions, safety and reliability, and mainly includes the following contents:
Account management
Provide you with balance inquiry, daily details inquiry, historical details inquiry, salary details inquiry, registration card maintenance, account loss reporting, default account setting, my housing provident fund, bank account service and other functions.
(2) Transfer and remittance
Provide you with functions such as ICBC remittance, inter-bank remittance, inter-bank express remittance, remittance to mailbox, mobile phone number, time deposit, notice deposit, receipt and payment slip, my foreign currency transfer, my payee maintenance, online bank payee, telephone bank payee, etc.
(3) Personal loans
Provide you with the functions of applying for pledged loans, inquiring about outstanding loan contract information, IOU information, repayment schedule, repayment details and so on.
(4) Payment business
We provide you with the function of paying information, communication, water, electricity, gas and other fees, and support you to submit an appointment order to pay the fee after non-working hours. We will handle business for you during working hours. After the payment is successful, you can deposit this item in my payment item. At the same time, you can sign, inquire and cancel the entrusted withholding agreement under the function of mobile banking-payment service.
(E) Mobile phone stock market
Provide you with the stock information inquiry function of Shanghai Stock Exchange and Shenzhen Stock Exchange. Enter the stock code in "Customize the stock I care about" to customize or delete the stock I care about. You can conduct bank-to-securities company, securities company-to-bank and related inquiry transactions through the "third-party depository" function. In addition, you can also link to the WAP website page of the brokerage firm for stock trading.
(6) Fund business
Provide you with detailed information about a fund (including fund code, name, type, net value, historical net value, etc. ) according to the fund company, fund type, fund code and self-selected fund, set the key fund as self-selected fund. You can also quickly and conveniently conduct fund subscription, purchase, fixed investment, redemption, cancellation, balance and historical details inquiry.
(7) Treasury bond business
Provide you with the purchase and inquiry functions of savings bonds (voucher) and book-entry treasury bonds. Savings bonds (voucher type) can query information, purchase, redeem and query the balance of national debt. Book-entry treasury bonds can be used to query relevant information of treasury bonds, open custody accounts, buy, sell, trade balance and details.
(8) Foreign exchange business
It provides you with the functions of querying real-time foreign exchange rate (including buying price, selling price, middle price, highest price and lowest price), conducting foreign exchange transactions or setting foreign exchange entrustment transactions (including profit entrustment, stop loss entrustment, two-way entrustment and additional entrustment) and querying account balance and transaction details according to real-time foreign exchange rate.
(9) Precious metals
Provide you with the functions of account precious metals, two-way trading of account precious metals, fixed investment of account precious metals, physical precious metals, deferred physical precious metals and accumulated funds. You can query the real-time prices of gold, silver, platinum and palladium in USD and RMB accounts (including bank buying price and bank selling price), conduct real-time transactions or set up entrusted transactions (including profit entrustment, stop loss entrustment and two-way entrustment). In addition, you can also carry out two-way trading of precious metals in the account, and make a fixed investment plan.
(X) ICBC Financial Management
Provide you with financial services and financial product functions, among which: "Financial Services" provides the signing, inquiry and management functions of smart express (ultra-short-term) financial agreements and T+0 financial agreements; "Wealth Management Products" provides the functions of purchasing, redeeming, withdrawing orders, inquiring the holding status and inquiring the transaction details of wealth management products.
(eleven) mobile phone reservation for cash withdrawal.
We provide you with the function of making an appointment for cash withdrawal by mobile phone. After you make an appointment for cash withdrawal at WAP, you can make a card-free cash withdrawal at ATM by recording the reservation code and the dynamic password provided by our bank. At the same time, this function provides reservation details query and reservation transaction management functions, and you can cancel the reserved transactions in My Reservation.
(12) silver transfer
Through the correspondence between the deposit account of the futures company in ICBC and the bank settlement account of the futures investor (hereinafter referred to as "investor"), the investor can realize the real-time transfer between the investor's bank settlement account and the futures company's deposit account after the transfer operation through WAP, and the futures company can adjust the balance of the futures investor's fund account in the futures company in real time according to the change of its bank futures deposit account, which provides convenience for the fund settlement of futures trading.
(13) Personal settlement and sale of foreign exchange
It provides you with the function of handling small-amount foreign exchange settlement and sale transactions within the specified amount through mobile banking (WAP), and you can check the detailed information of small-amount foreign exchange settlement and sale transactions online.
(14) ICBC Electronic Payment
Provide you with the operation of registering, canceling and unfreezing ICBC's electronic payment function through WAP, and provide the function of querying transaction details and operation records.
(15) Personal loan
This function is for individual customers to inquire about outstanding loan contract information, IOU information, repayment plan and repayment details. This function does not include the query of provident fund entrusted loans.
(16) credit card
Provide you with the function of inquiring credit card balance and transaction details, and return the RMB and foreign currency overdrawn in your account to my ICBC credit card, supporting the credit card installment payment function.
17. ICBC messenger
Provide you with the functions of customization, inquiry, modification and cancellation of SMS notification services such as balance change reminder, business processing reminder and statement service.
(18) Insurance business
Provide you with mobile phone insurance and insurance details query function.
Electronic payroll
You can query the electronic payroll in the last two years.
(20) Charity donation
Provide you with charitable donation function.
(2 1) Special business of the branch
Sub-branches provide special services to customers in their business areas.
(XXII) Services and environment
Provide you with main menu customization, self-service payment, authority management, login/payment password modification, electronic banking registration/management, WAP cancellation, setting customer reservation information and other functions.
(XXIII) Welcome Page
Provide you with a welcome page after logging in to WAP, showing birthday and holiday greetings, safety tips, bank news (bank announcements and marketing information), warm reminders and other information. Among them, birthday wishes include information that you can enjoy preferential treatment for transfer and remittance on your birthday; Tips include the following contents of all your accounts: notice of deposit maturity, expiration of fixed deposit (30 days in advance), expiration of Litianli wealth management agreement (7 days in advance), and temporary loss reporting card (indicating the due date of loss reporting).
(24) Farewell Page
It provides a farewell page when you log out of WAP, showing the duration of your login and the important transaction records made this time, including five elements: time, operation, account number, amount/share and handling fee.
Applicable object
All individual customers of our bank.
Characteristic advantage
1. Take it. Mobile Banking (WAP) of China Industrial and Commercial Bank provides you with 7×24-hour all-weather service. As long as you carry a mobile phone with Internet access, you can easily manage your account, manage your finances and pay fees whenever and wherever you want, and everything is under control.
2. The application is simple. It is convenient for ICBC to apply for WAP. You can make self-registration through our portal website, mobile phone website and personal online banking, or you can make counter registration at ICBC outlets at any time, which is simple and convenient (self-registered customers cannot handle external transfer payment business).
3. Rich in functions. ICBC Mobile Banking (WAP) provides you with financial services such as transfer and remittance, payment, mobile stock market, fund and foreign exchange trading, so that you can keep abreast of market trends and accumulate wealth.
4. Safe and reliable. The fund transfer function of ICBC Mobile Banking (WAP) is strictly restricted. You must go to the counter to sign the agreement in person before you can transfer money, pay fees and pay. At the same time, ICBC also uses static passwords, electronic bank password cards and other means to ensure the safety of your funds and information.
5. Log in quickly. For your convenience, our bank has launched "Fast Login Software". After you download and install, click the software icon in the mobile phone menu to realize one-click login.
Initial condition
You need to hold ICBC wealth card, smart card, financial gold card, peony credit card or current passbook and a mobile phone with internet access function.
Open process
Self-registration:
1. Mobile Website Channel: You can log in to our mobile website (wap.icbc.com.cn) through your mobile phone, select "self-registration" and follow the prompts to open it yourself.
2. Website channel: You can log on to our portal (www.icbc.com.cn), click on the self-registration of mobile banking on the right side of the homepage of the portal or on the left side of the personal online banking login page, click on the self-registration of mobile banking (WAP), and open it by yourself according to the prompt information.
3. Online banking channel: select mobile banking (WAP) as the registration channel in "Electronic Banking Registration" of personal online banking, enter the registration opening information entry page, select the registration card to be opened, enter the reserved verification information, login password, preferred registration card number and other information, and register successfully after submitting verification.
Counter registration:
You can go to ICBC outlets with your valid ID card and bank card, fill in the Application Form for Individual Customer Registration of Electronic Banking of China Industrial and Commercial Bank, and go through the registration formalities.
Service channels and time
Visit ICBC's mobile website wap.icbc.com.cn via mobile phone, and click the "WAP login" link to log in to ICBC's WAP.
Tax and fee standard
Please refer to the charging standard published by the service operator for the data service fee generated by mobile phone logging into the network.
Operation guide
Matters needing attention
1. Before applying for mobile banking (WAP), please confirm whether your mobile phone can surf the Internet normally. If you can't surf the Internet normally, please consult your local telecom operator or mobile phone manufacturer, or refer to the hot spots on ICBC's website to answer.
2. Real-time transactions such as precious metals, foreign exchange and small settlement and sale of foreign exchange should be completed within ten seconds. If the time limit is exceeded, the transaction may fail.
3. Customers who are already ICBC U-Shield certificates and want to open mobile banking (WAP) can apply for a password card or ICBC electronic cipher separately through counter registration, and the use of the original U-Shield certificate will not be affected.
4. When downloading and installing "Quick Login Software", please select the corresponding brand and model of mobile phone. Please refer to FAQ for specific use.
3. Login password: refers to the password you use when logging in to WAP. The login password for using WAP for the first time is the password reserved when registering.
4. Payment password: it is the password you use when you handle external transfer, remittance, payment and consumer payment through WAP.
Payment passwords include dynamic passwords and static passwords. Dynamic password refers to a password whose content is dynamic and unpredictable. The storage medium of dynamic password character information is electronic bank password card. Customers who apply for the password card of electronic banking can confirm their identity by entering the dynamic password when handling the external payment transaction of mobile banking (WAP). Static password customers must add a transfer account at the counter if they want to handle WAP external payment transactions.