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Do I need to open online banking to recharge the P2P online lending platform?
Recharge in P2P online lending platform depends on the specific implementation regulations, and online banking is not needed.

The recharge methods mainly include online recharge and offline recharge.

Most online lending platforms support online recharge, generally through third-party payment platforms such as Guofubao, Yisheng Payment, Huanxun Payment and Alipay, while a few online lending platforms support a few banks to directly recharge.

Generally, online recharge needs to fill in the recharge amount, select a third-party payment platform, enter a recharge verification code, select a recharge bank card, fill in the bank card information, and recharge the bank card. Most platforms do not charge a recharge fee. Of course, a few platforms will still charge a certain recharge fee, but in fact this part of the fee is charged by the third-party payment platform.

In the actual recharge, you need to recharge according to the steps and wait patiently to return to the recharge success page. Sometimes, due to network congestion or other reasons, the bill may be dropped, that is, the money in the bank card is deducted but not transferred to the online loan investment account. At this time, you don't have to worry too much, because all the fund records can be queried, and there is generally no loss of funds. At this time, you can contact customer service and let them handle it.

In addition, some platforms support offline recharge. The so-called offline recharge means that funds are directly credited to the accounts of online lending platform companies or private executives. For investors, there may be certain formalities fees, but for online lending platforms, it may save the cost of recharging.