If the mobile banking transaction password of Shanghai Pudong Development Bank is locked three times incorrectly, you can still withdraw money from the ATM.
According to the "Shanghai Pudong Development Bank Electronic Banking Charter":
Article 23 Customers are obliged to take all necessary risk prevention measures and use electronic banking safely. These measures include but are not limited to:
(1) Properly keep various important information related to electronic banking services, such as identity documents, bank cards, passbooks, passwords, digital certificates, and mobile phones that receive dynamic passwords etc., do not leave it to others for safekeeping, and do not leave personal information such as card numbers, ID numbers, and frequently used phone numbers on untrusted websites or other places to prevent them from being used by others.
When changing your mobile phone number, you should update the mobile phone number related to electronic banking in a timely manner. You must not set it to someone else’s mobile phone number. You must not forward or inform others of the dynamic password text message to prevent it from being used by others.
(2) Protect your password and do not tell anyone, including bank personnel; do not record or retain it on computers, telephones, mobile phones or other electronic devices; store and display it through mobile phones or devices After using the phone number input function to handle business, the entered password, account number and other information should be cleared immediately.
Under no circumstances will Shanghai Pudong Development Bank ask for password information from customers. When others (including bank personnel) ask for your bank password, you must not provide it, otherwise you will be responsible for the consequences.
Customers should exit e-banking in a timely manner if they leave temporarily while using e-banking or when completing a transaction. If a mobile certificate is used, the mobile certificate storage medium must be removed from the computer promptly and kept properly. If you use self-service equipment, you must take out your bank card from the self-service equipment in time and keep it properly.
(3) Avoid using information that is obviously related to you (such as birthday, frequently used phone numbers, ID number, etc.) or characters with obvious regularity (such as repeated or consecutive numbers) as passwords; handle The password for e-banking business should be different from the passwords used for other purposes (such as other website membership passwords, email passwords, etc.); e-banking query passwords and transaction passwords should be set to different contents and changed frequently.
(4) Take effective measures (such as installing anti-virus software and network firewalls) to protect the security of computers, mobile phones, other mobile terminals and other electronic devices used for electronic banking services and prevent information leakage or be manipulated by others. Do not use personal online banking on computers used by many people such as Internet cafes, and do not use mobile banking on other people's mobile phones.
(5) Only log in to www.spdb.com.cn or ebank.spdb.com.cn to handle personal online banking services. You are not allowed to log in to online banking through other websites or links; only log in to wap.spdb .com.cn or mobile client to handle mobile banking services. The mobile client software should be downloaded from the Shanghai Pudong Development Bank website or the device-specific software download website.
(6) Customers should always pay attention to the changes in the funds in the account. If they find that the account has been operated by others, the password has been leaked or other suspicious circumstances, they should immediately go through the procedures of reporting the account loss, canceling the account or changing the password. If you have any questions, you should inquire through 95528 telephone banking or go to a Shanghai Pudong Development Bank branch.
(7) Customers who use mobile certificates are recommended to add mobile phone dynamic password protection according to the operation prompts of personal online banking. If customers may be unable to receive mobile phone dynamic passwords due to long-term overseas travel or other reasons, please turn off mobile phone dynamic password protection in a timely manner to ensure normal operations for customers using mobile certificates.
Extended information:
Charging standards:
ICBC: 0.2 yuan/text or 0.3 yuan/text based on the number of text messages sent. Long-distance remittances are charged according to the over-the-counter personal remittance charging standards, which is 1% of the single remittance amount, with a minimum of 1 yuan and a maximum of 50 yuan. The handling fee is 20% off for remittances[6].
China Construction Bank: Long-distance transfers (remittances), inter-bank transfers, and transfers to enterprises. As of December 31, 2010, these three types of transfers enjoy a 0.15% handling fee discount, with a minimum of 1 yuan and a maximum of 15 yuan.
China Merchants Bank: By the end of 2015, nationwide transfer and remittance handling fees will be waived for mobile banking transfers and remittances (excluding transfers from agreement accounts).
China Everbright Bank: Transfers from our bank or your own account are free within the same city. A handling fee of 0.5% of the transaction amount (minimum 2 yuan, maximum 20 yuan) will be charged in other places. A handling fee of 0.5% of the transaction amount (minimum 5 yuan, maximum 50 yuan) is charged for inter-bank remittances within the same city and different places.
Bank of Communications: 6 yuan/month mobile phone service fee (always free), a handling fee of 0.15% (50% discount) for travel to other places and other banks in the same city, and a handling fee of 0.3% (50% discount) for cross-bank travel in different places. , the minimum is 1 yuan and the maximum is 15 yuan.
Agricultural Bank of China: SMS service fee is 2 yuan/month. Daily transactions for domestic transfers and remittances with all banks are up to 50,000 yuan, with no handling fees.
Minsheng Bank: All free.
The five major banks join forces to waive handling fees for transfers and remittances
On February 25, 2016, China’s five major state-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Communications Bank The banks joined forces on the 25th to hold a signing ceremony in Beijing.
The five major banks have promised to waive handling fees for domestic RMB transfers and remittances handled by customers through mobile banking, and to waive handling fees for domestic RMB online bank transfers and remittances of less than RMB 5,000 to reduce customer costs. Expenses.
Mobile payment without queuing:
The difficulty of queuing at banks has always been a headache for consumers. In fact, mobile banking can help you avoid queuing through the electronic channel.
Take the Bank of China as an example. To realize mobile banking to pay utility bills, we only need to have a mobile phone that supports Monternet and has WAP Internet access function, and carry a Great Wall RMB electronic device that has opened phone banking. Just use your debit card for mobile banking.
The mobile banking payment process is very simple: use your mobile phone to go online to the "Payment Page", enter the bill barcode and amount, and click Confirm to complete the bill payment, which is very convenient.
Bank of China Mobile Banking can pay for water, electricity, gas, telephone, and mobile phone bills of China Mobile and China Unicom. In addition, mobile banking can also inquire about past payment status.
Mobile banking ensures timely transactions:
When consumers are unable to access the Internet or encounter bank phone lines that are busy, you can truly feel the convenience of activating mobile banking. and quick.
Ms. He is a loyal fan of mobile banking. She once used mobile banking to successfully speculate in foreign exchange in a taxi. Facing the ever-changing foreign exchange market, Ms. He was unable to access the Internet in time.
First use your mobile phone to check the foreign exchange market conditions you need to buy or sell. After understanding the price, you can conduct a pending order entrustment transaction. Finally, use the entrustment inquiry function in mobile banking to confirm whether the transaction is successful. The entire operation process was completed in a few minutes.
All-weather service SMS control account:
SMS service has become the most commonly used communication method among mobile phone users. Mobile banking also has SMS function, how much salary has been sent and whether the remittance has arrived. , whether the repayment is successful and other account information, the bank will proactively notify the user through SMS.
Take the Industrial and Commercial Bank of China as an example. Its mobile banking service is suitable for mobile phones of various manufacturers and models. As long as you edit and send text messages in a specified format, ICBC mobile banking customers can receive 24/7 services. .
You can check your account freely, transfer and remit funds instantly, make donations, and pay phone bills and mobile phone bills; at the same time, due to the rapid development of e-commerce, ICBC Mobile Banking also provides customers with real-time payment for online consumption. Serve.
Full-process encryption ensures security:
Compared with online banking, mobile banking is less susceptible to hacker attacks, is more private and safer. CCB's mobile banking uses a dedicated communication line connection, and the entire process from the mobile phone to the bank is encrypted.
At the same time, it also adopts a digital signature mechanism and a binding mechanism between mobile phones and cards to ensure the security of customer transactions and account funds. The information browsed by customers when using mobile banking will be deleted immediately after exiting and will not remain on the mobile phone.
All information is actually stored at the bank. Therefore, even if the mobile phone is lost, even if someone finds the mobile phone, they cannot access mobile banking without knowing the account password.
Baidu Encyclopedia-Mobile Banking
Shanghai Pudong Development Bank Official Website-Electronic Banking Regulations