Mobile Banking (WAP)

Business Description

Mobile Banking (WAP) business refers to ICBC’s WAP technology and mobile communication network to provide mobile phone customers with It provides electronic banking services such as account enquiry, transfer, premium payment, consumer payment, corporate account management, transaction instruction processing and other self-service financial services. ICBC Mobile Banking (WAP) business is characterized by portability, easy application, rich functions, safety and reliability, etc. It mainly covers the following contents:

(1) Account Management

Provided for you Balance inquiry, current day detail inquiry, historical detail inquiry, salary detail inquiry, registered card maintenance, account loss report, default account settings, my housing provident fund, bank account services and other functions.

(2) Transfer and remittance

Provide you with ICBC remittance, inter-bank remittance, remittance to E-mail, mobile phone number, fixed deposit transfer, notice deposit, personal foreign currency transfer, my Payee maintenance, personal online banking my payee, telephone banking my payee and other functions.

Remitting money to email or mobile phone number means that the payee only needs to bind a personalized alias and payment account number, and the remitter enters the payee's name, remittance alias and amount when remitting money to remit money. Notice deposit allows you to transfer funds from the current sub-account in your Elite Club account card or Money Link card to a notice deposit. The minimum deposit amount for a notice deposit is RMB 50,000. Personal foreign currency transfer is a function that allows you to transfer and remit foreign currency from your account in another place to a designated account.

(3) Payment business

You can use this function to pay for branch special payment items, and support you to submit payment reservation instructions during non-working hours. The system will Handle business for you within time. After the payment is successful, the item can be deposited into my payment item. It also supports you to sign, inquire and cancel entrusted withholding agreements under the mobile banking-payment business function.

(4) Mobile stock market

You can check the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through mobile banking (WAP), and enter the stock code in "Customize the stocks I follow" to customize Or delete the stocks you care about. You can use the "Third Party Custody" function to transfer banks to securities companies, securities companies to banks, and related inquiry transactions. In addition, you can also link to the WAP site page of a securities company for stock transactions.

(5) Fund business

Provides you with the ability to query the detailed information of a certain fund (including: fund code, name , type, net value, historical net value, etc.), and can set the focus on funds as the function of self-selected funds. You can also quickly and conveniently perform operations such as fund subscription, subscription, fixed investment, redemption, order cancellation, balance and historical details inquiry, etc.

(6) Treasury bond business

Supports one-stop purchase of savings treasury bonds (certificate type) and book-entry treasury bonds.

Savings treasury bonds (certificate type) can be used to query information, purchase, redeem, and check the balance of treasury bonds. Book-entry treasury bonds can be used to query treasury bond-related information, open custody accounts, purchase, sell, transaction balances and detailed inquiries.

(7) Foreign exchange business

Provides you with the ability to query the real-time transaction exchange rate of foreign exchange (including: buying price, selling price, etc.) based on conditions such as basic order, cross order, used order, and optional exchange rate. Bid price, middle price, highest price, lowest price), conduct foreign exchange buying and selling transactions or set up foreign exchange entrusted transactions (including profit entrustment, stop loss entrustment, two-way entrustment, additional entrustment) according to the real-time foreign exchange rate, as well as inquiry of account balance and transaction details function.

(8) Precious metals

Provides you with the ability to query the real-time price of RMB paper gold (including: bank buying price, bank selling price), and perform paper based on the real-time RMB paper gold price. Gold buying and selling transactions or setting up paper gold entrustment transactions (including profit entrustment, stop loss entrustment, two-way entrustment) as well as the function of querying the balance and account information of brand gold accumulation.

(9) Bank-futures transfer

Through the corresponding relationship between the futures company’s margin account at ICBC and the bank settlement account of the futures investor (hereinafter referred to as the “investor”), the investment After the investor performs the transfer operation through mobile banking (WAP), the real-time transfer between the investor's bank settlement account and the futures company's margin account can be realized. The futures company will adjust the futures investor's position in the futures company in real time based on the changes in its bank's futures margin account. Fund account balance provides fund settlement convenience for futures trading.

(10) Credit Card

Provides you with the function of checking the balance and transaction details of your credit card, and returning the account overdraft in RMB and foreign currency overdraft to your ICBC credit card. It also supports credit cards Installment payment function.

(11) Customer Service

Provide you with main menu customization, self-service payment, authority management, modification of login/payment password, electronic banking registration/management, and cancellation of mobile banking (WAP), set customer reservation information, statement and other functions.

The main menu customization function is for convenience and allows you to set frequently used functions as personalized menus. Permission management allows you to choose to close e-commerce, payment, external transfer and other permissions of mobile banking (WAP).

Setting customer reserved information allows you to query and modify the reserved information. The information reserved for mobile banking (WAP) is set separately and may be inconsistent with the reserved information for personal online banking. Provides you with the function of changing the color of the interface to make ICBC Mobile Banking more personalized.

It also supports password card customers to set their own limit function. You can adjust it according to your needs within the limit specified by the bank. After adjustment, your transfer and remittance limit control will be implemented according to this limit.

(12) Personal foreign exchange settlement and sales business

Personal foreign exchange settlement and sales business means that you use a counter-registered card to handle small-amount settlements within a designated amount through mobile banking (WAP). Foreign exchange sales and transactions, and detailed information on small-amount foreign exchange settlement and sales transactions can be checked online.

(13) ICBC Messenger

Provides balance change reminders and statement service customization, query, modification and cancellation functions.

(14) Personal loan business

This function allows you to query information such as outstanding loan contract information, IOU information, repayment schedule, and repayment details. Provident fund entrusted loan inquiries are not included in this function. Through this function, you can learn about the outstanding loan balance, interest, accumulated interest, interest rate and next repayment date, etc. to help you return the loan in time and deal with the arrears.

(15) Financial Management Services

Provide you with operations such as setting up, querying, terminating, and executing detailed queries on financial management services.

(16) Branch special services

Special services provided by branches to customers in their respective business areas.

(17) Welcome page

Provides you with a welcome page after logging into mobile banking (WAP), displaying birthday and holiday greetings, safety tips, bank messages (bank announcements and Marketing information), warm reminders and other information. Among them, the birthday greetings include information about enjoying discounts on transfers and remittances on your birthday; the warm reminders include the following information about all your accounts: expiration of notice deposits, expiration of time deposits (30 days in advance), and expiration of the Litianli financial agreement ( 7 days in advance reminder), temporary loss report card (prompt expiration date of loss report).

(18) Farewell page

Provides you with a farewell page when you log out of mobile banking (WAP), showing the length of time you have logged in, and displaying the time you logged in. The important transaction records made include five elements: time, operation, account number, amount/share, and handling fee.

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Applicable objects

Individual customers who have the need to use banking services anytime and anywhere, and to grasp account information and related consultation needs in a timely manner.

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Features and advantages

1. Use it anywhere. ICBC Mobile Banking (WAP) provides you with 24/7 services. As long as you carry a mobile phone with Internet access, you can easily manage accounts, manage finances, and pay fees no matter where you are at any time. In the "palm" of your hand.

2. Application is easy. It is convenient to apply for ICBC Mobile Banking (WAP). You can self-register through the ICBC website, mobile website, and personal online banking. You can also go to an ICBC business outlet to go through the formal registration procedures at any time. It is simple and convenient (self-registration customers can only open accounts) Information inquiry and public information inquiry business).

3. Rich functions. ICBC Mobile Banking (WAP) provides you with financial services such as transfers and remittances, bill payments, mobile stock markets, funds, and foreign exchange transactions, allowing you to grasp market trends at your fingertips and accumulate wealth at all times.

4. Safe and reliable. There are strict restrictions on the fund transfer function of ICBC Mobile Banking (WAP). You must go to the counter to sign an agreement in person before you can transfer, pay, or pay. At the same time, ICBC also adopts various means such as static passwords and electronic banking password cards to ensure the security of your funds and information.

5. Quick login. To facilitate your operation, ICBC has launched the "Quick Login Software". After you download and install it, click the software icon in the mobile phone menu to log in to the mobile portal with one click. [Back to top]

Requirements for opening

You need to hold an ICBC Wealth Card, Money Link Card, Financial Management Card, Peony Credit Card or current passbook and a mobile phone that supports the Internet .

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Activation process

Self-service registration:

1. Mobile website channel: You can log in to ICBC through your mobile phone On the mobile website (wap.icbc.com.cn), select "Self-Service Registration" and follow the prompts to activate it yourself.

2. Website channel: You can log in to the ICBC portal website (www.icbc.com.cn), click on the mobile banking (WAP) self-service registration on the left side of the portal website or on the left side of the personal online banking login page Then follow the prompts to activate it yourself.

3. Online banking channel: Select the registration channel as mobile banking (WAP) in the "Electronic Banking Registration" of personal online banking, enter the registration activation information entry page, select the registration card to be activated, and enter the reservation The registration is successful after the verification information, login password, preferred registration card number and other information are submitted and verified.

Counter registration:

You can go to an ICBC branch with your valid ID and bank card, fill in the "ICBC Electronic Banking Personal Customer Registration Application Form" and go through the registration procedures. .

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Service channels and hours

Visit the ICBC mobile website wap.icbc.com.cn via mobile phone and click "Mobile Banking ( WAP) Login" link to log in to ICBC Mobile Banking (WAP).

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Fees and tax standards

For data service fees incurred due to mobile phone login to the network, please refer to the charging standards announced by the service operator.

Mobile Banking Charges>> [Return to top]

Operation Guide

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Notes

1. Before applying for mobile banking (WAP), please first confirm whether your mobile phone can access the Internet normally. If it cannot access the Internet normally, please consult the local telecom operator or mobile phone manufacturer. You can also see the hotspot answers on the ICBC website. be resolved.

2. For real-time transactions such as precious metals, foreign exchange, and small-amount foreign exchange settlement and sales, please complete it within ten seconds. Failure to do so may result in transaction failure.

3. When mobile customers use our bank’s mobile banking (WAP), they need to set the mobile Internet mode to cmwap mode.

4. China Mobile and Telecom users do not need to enter their card number when logging in. They only need to enter their password to log in.

5. If you are already a customer of ICBC U-Shield certificate and want to open mobile banking (WAP), you can apply for a password card separately through counter registration. The use of the original U-Shield certificate will not be affected.

6. When downloading and installing the "Quick Login Software", please select the corresponding mobile phone brand and model. Please refer to the FAQ for specific usage.

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FAQ

1. Is it safe to use mobile banking (WAP)?

Mobile banking (WAP) uses the most advanced encryption methods to ensure the security of your information at all times. Flexibly control external payments by binding mobile phone numbers to bank accounts and using electronic banking password cards for identity authentication.

2. When I go to a branch to apply for mobile banking (WAP), do I have to choose an electronic banking password card as the authentication medium?

In order to fully protect the security of customer funds, when you apply for mobile banking (WAP) at a branch, you must choose the electronic banking password card as the authentication medium. If you are an ICBC personal online banking password card customer, after registration , you can use a password card.

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Risk Warning

1. Due to restrictions on mobile phone models and telecommunication operator networks Failures and problems caused by mobile Internet settings may affect your normal login and use of ICBC Mobile Banking (WAP).

2. Problems caused by the leakage of mobile phone numbers, login passwords, payment passwords, etc. may cause the loss of mobile banking account information and financial losses.

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Explanation of terms

1. WAP: (Wireless Application Protocol, Wireless Application Protocol) is a protocol for wireless terminal devices to access the Internet. , is a communication protocol carried through HTTP.

2. GPRS: It is the English abbreviation of General Packet Radio Service. Simply put, it is a method of accessing the Internet through mobile phones. After the mobile phone has activated GPRS service, you can conduct online activities through the mobile phone, of course, this also includes using ICBC's mobile banking (WAP).

3. Login password: refers to the password you use to log in to mobile banking (WAP). The password you use to log in to mobile banking (WAP) for the first time is the password you reserved when registering.

4. Payment password: This is the password you use when handling external transfers and remittances, bill payments, consumption payments and other services through mobile banking (WAP).

Payment passwords include dynamic passwords and static passwords. Dynamic password refers to a password whose content changes dynamically and is unpredictable. The storage medium for dynamic password character information is an electronic banking password card. Customers who have applied for an electronic banking password card can enter the dynamic password when handling mobile banking (WAP) external payment transactions. Identity confirmation. If customers with static passwords want to handle mobile banking (WAP) external payment transactions, they must go to the counter to add an appointment transfer account.

5. Appointment transfer account: It is an account reserved by others at the counter that you can transfer funds to when you do not have the permission to transfer money. Supports setting mobile banking (WAP) payee within ICBC, inter-bank payee, and mobile phone number payee.

6. Payee: The payee is the payee record created to facilitate you to transfer money to the same other person's account multiple times when you activate the external transfer permission. When making the transfer, you can Find the corresponding payee in the payee list, eliminating the need to manually enter the payee account number and payee name again.

In mobile banking (WAP), my payees are divided into three types: industrial bank payee, inter-bank payee and mobile phone number remittance payee.