Limit setting is a relatively simple operation. First open the China Construction Bank app (version number 5.6.0), then click on the three horizontal lines in the upper left corner, and click on personalized limit settings in the security center. After clicking it, click the transaction type, select transfer and remittance, set the limit, and click Modify.
1. CCB mobile banking transfer limit.
CCB’s mobile banking transfer limit system defaults to 200,000 yuan. To adjust the method, you can go to the bank counter to modify it or call the CCB customer service hotline, 95533. Follow the prompts to transfer to manual service and explain the modified amount.
2. Why do banks set limits on transfers?
The main reason why banks set limits on transfers is to prevent and control risks. Banks will set different transaction limits based on different business processing channels, transaction times, and processing methods.
3. What should I do if the transfer limit does not meet the requirements?
(1) Consult whether the bank transfer limit can be increased. After asking clearly, follow the bank's requirements, provide the procedures required by the bank, and handle the limit increase;
(2) Transfers can be made through multiple channels and multiple amounts. For example, if mobile banking requires a total of 100,000 yuan to be transferred in a single day, and if the 100,000 yuan is not enough, you can go to the bank counter to transfer more.
(3) If there is a limit on a single transaction, you can reduce the amount of the single transaction and transfer more times. That is to increase the number of transfers and reduce the amount of a single transfer.
4. How to handle the wrong transfer.
(1) If a transfer error is discovered within 24 hours after the remittance occurs, you can promptly go to the bank that handled the transfer to apply to cancel the transfer. At present, many commercial banks support the operation of applying to cancel transfers on the corresponding system within the specified time limit through the online platform.
(2) If the transfer error is discovered more than 24 hours ago and cannot be withdrawn, you should contact the payee in time to negotiate for the refund of the money. If you do not have the contact information of the payee, immediately contact the relevant bank customer service for help.
(3) You can request the bank customer service to contact the payee to coordinate refund matters.
(4) If the payee refuses to refund the money even after being informed of the situation by the remitter or bank, knowing that the other party transferred the wrong account, this constitutes unjust enrichment. At this time, you can file a lawsuit with the People's Court on the grounds of dispute over unjust enrichment.