Industrial and Commercial Bank of China: U shield and electronic password card are security tools, online banking needs 1, and mobile banking needs electronic password card, with comprehensive business and high credit card threshold. It is the leading bank in China, with many online stores, and the overall experience is 4 points (out of 5 points, the following only compares the experience of online banking, mobile banking, debit cards and credit cards).
China Construction Bank: The security tools are E-way and electronic password card. Generally speaking, the business is ok, the credit card points are not affordable and the application threshold is not high. Online banking and mobile banking are generally used. For example, online banking, e-road escort after re-login. At the same time, many netizens on the Internet reported that the website of CCB always crashes when paying through Alipay, and mobile banking is also common. Except for high-end cards, the overall experience is 2 points.
Bank of China: First of all, I used to be the customer service of Bank of China, but I have never been partial to Bank of China. Bank of China generally promoted the security tool to Order E of Bank of China, which is a dynamic password device. If you want to do business through online banking or mobile banking, you must take it with you. However, mobile banking has perfect software, which can pay fees, transfer money, stock trading and so on. It's very easy to use and you can pay the water bill. There are not many online banks that can pay water bills now, and the credit card threshold is high, but there are quite a lot of activities now.
Agricultural Bank of China: I use the first online banking other than Bank of China, and I don't understand it thoroughly. Alas, it's really puzzling, and there are many problems. I really don't want to say more. I remember that there are many kinds of credit cards, and the overall experience is 2 points.
Bank of Communications: SMS authentication is the main security tool, which is the best mobile banking I have ever used. It seems that the points can only be used in cash (online shopping mall). I don't know if it is now. It is the first in China to withdraw money without a card and spend without a card. Although it is not the four major banks, it is definitely ahead in bank cards. All transactions only need to rely on the verification code of the mobile phone. The application threshold is not high and there are many activities. The overall experience is 5 points.
China Merchants Bank: The first online bank in China. I admit that the service is good, but I also admit that it is safe. However, it is not very comfortable to use mobile banking and online banking with credit cards, especially in payment. You need a lot of data to apply before you can pay. The whole process takes about 4 minutes, and the score of Bank of Communications is less than 1. The steps are too cumbersome, the points are not affordable, the threshold is not high, there are many activities, and the overall experience is 3 points.
Let's just introduce these. I have also used post, Pufa and Guangfa. I can't say it all. You can ask me what you want to know, and I will tell you in detail. I hope it helps you. You can ask me if you don't understand.