How to make a note when transferring money to others in the bank

The note information is generally used to fill in the purpose of the remittance, such as salary, repayment, investment, project payment, payment for goods, etc.

Remarks can be added for inter-bank transfers at bank counters, but the remark will not be visible to the payee. If you want the payee to receive notes, take the Huawei P30 mobile phone as an example. Based on the Android 7.0 operating system, you can use online banking to remit money, and then choose to notify the payee, and the payee can receive a text message notification of the agreement notes.

Extended information

1. Main features of transfer

1. Convenience

If you are a contract customer of Agricultural Bank of China online banking, or hold With Agricultural Bank of China’s bank cards, you can choose between two transaction channels: branches and online banking. Taking the Huawei P30 mobile phone as an example, based on the Android 7.0 operating system, remit money at an outlet and redeem it at an outlet or online banking; or remit money at an online bank and redeem it at an outlet or online banking.

2. Security

The remitter can remit money as long as he accurately knows the name of the payee. The payee does not need to tell the remitter his account number or card number to ensure the security of the account information.

Password is required for payment and remittance inquiry. If the password is entered incorrectly three times in total on the same day, the system will automatically lock the remittance to prevent it from being deciphered by others and ensure the security of the funds.

3. Fast

Money can be remitted in real time and paid in real time to meet your payment needs at any time.

2. Notes on online banking transfers

1. You need to have a debit card issued by a bank and activate online banking and online payment functions at the bank counter.

2. Take the Huawei P30 mobile phone as an example. Based on the Android 7.0 operating system, download and install the certificate to log in to online banking or online payment.

3. Confirm your daily and per-payment limit for online banking. Each bank has different regulations.

4. Distinguish between login password and payment password: Take the Huawei P30 mobile phone as an example. Based on the Android 7.0 operating system, the login password is the password used by customers to log in to personal online banking; the payment password is the password used by customers online. The password entered when the bank handles fund transfers between card accounts. Sometimes the initial login password and the payment password are the same. Pay attention to protect your login password and payment password, because the login card number and password are the only signs that the bank uses to identify customers.

5. If the card issuing bank has card usage restrictions such as online payment limits, please call the card issuing bank and the actual situation shall prevail.

How should a company make notes when transferring money from one account to another?

1. Notes for transfers between accounts of the same company can be written directly: transfer, current account, reserve fund, etc. , but you cannot write "payment"; for direct transfers from accounts in the same company, transfer checks or online banking transfers can be used to transfer funds.

2. Handle corporate transfer at the bank:

1. Just fill in the above elements for the transfer check: please note that the date and amount should not be written incorrectly in capital letters. The name of the payee and the amount cannot be altered, and the altered check will be invalid;

2. If it is a received check, go to the bank to go through the deposit procedures, and you also need to fill in the invoice;

3. If it is a check paid voluntarily, you must also fill in the bill when you go to your bank where you have an account.

Extended information:

All units and individuals who open deposit accounts in banks; business outlets approved by the People's Bank of China to provide check business can apply.

Processing process

1. Check issuance: The customer issues a transfer check based on the situation of the unit, and stamps the reserved bank seal.

2. Deliver the bill: The bill-issuing customer hands the bill to the payee.

3. Circulation and use of bills: The payee or holder endorses and transfers the transfer check according to transaction needs.

4. Entrusted collection or presentation for payment: The payee or holder entrusts his or her own bank to collect payment or presents payment to the drawer's bank with a transfer check. When the payee prompts for payment, he should make an endorsement for entrusted collection, sign the "endorser's signature" on the back of the transfer check, and indicate the words "entrusted collection".

Report loss and stop payment: If the transfer check is lost and the person who lost the check needs to report loss and stop payment, he should fill in and sign the loss report and stop payment notice. The loss report and stop payment notice will be provided by the bank, and the standard fee will be paid at the same time.

Baidu Encyclopedia-Transfer Check

How to indicate the purpose of a public-to-private transfer?

1. Remarks

Handle corporate transfers at the bank: Just fill in the above elements for the transfer check: Note that the date and amount should not be written incorrectly in capital letters, and the date and The amount and the name of the payee cannot be altered, and an altered check will be invalid; if it is a received check, go to the bank to go through the deposit procedures, and you also need to fill in the invoice; if it is a check paid voluntarily, you can also go to the bank where you opened your account. To fill in the bill.

2. Purpose

For the purpose of public-to-private transfer, you can fill in travel expenses, funds, wages, subsidies, etc., and fill in the details according to the purpose. Transfer is a bank currency settlement method that does not use cash directly, but transfers money from the payment account to the receiving account through the bank to complete currency collection and payment. When the settlement amount is large and the distance is long, using transfer settlement can make it safer and faster.

In modern society, the vast majority of commodity transactions and currency payments are conducted through transfer settlement.

: Current bank transfers to individuals generally require transfers of less than 50,000 yuan.

1. Transfer requirements

For transfers of more than 50,000 yuan, it depends on the bank you go to. The requirement must provide the contract or agreement between the transferee and the transferor. Of course, reimbursement of expenses or wages can be transferred, but the amount is limited.

2. Business-to-business transfer processing

Business-to-business transfers, as the name suggests, refer to company-to-company transfers, or unit-to-unit transfers, and business-to-business fund transfers. Specifically, there are four methods. The most common and least recommended is Cash payment, because cash payment will involve some tax issues, so the tax bureau will often review it, which is very detrimental to the company. The simplest and widest way is to transfer money online. You can pay according to the information provided by the company. Fill in the required content, then check the required options, and authorize it.

How to write the purpose of online banking transfer from a corporate account to an individual

1. According to the "RMB Bank Settlement Account Management" Article 39 of the Measures: Personal bank settlement accounts are used to handle personal transfers, receipts and cash deposits and withdrawals. The following amounts can be transferred to personal bank settlement accounts:

Salary and bonus income.

Income from manuscript fees, performance fees and other services.

The principal and income of investments such as bonds, futures, and trusts.

Income from personal debt or property rights transfer.

Personal loan rollover.

Securities transaction settlement funds and futures trading margin.

Inheritance and gift money.

Insurance claims, premium refunds, etc.

Tax refund.

Income from sales of agricultural, sideline and mineral products.

Other legal funds.

2. Article 40 of the "Regulations on the Management of RMB Bank Settlement Accounts" stipulates that if a single payment from an individual's bank settlement account exceeds 50,000 yuan, the payment shall be made to the individual's bank settlement account. The bank where the account is opened provides the following payment basis:

Issue salary agreement and payee list.

Proof of award.

Labor service contracts signed between press publications, performance organizers, etc. and the payee or proof of payments to individuals.

Proof of payment or refund to natural persons by securities companies, futures companies, trust investment companies, lottery issuance or underwriting departments.

Credit or property rights transfer agreement.

Loan contract.

Certification from the insurance company.

Certification from the tax collection and administration department.

Purchase and sales contracts for agricultural, sideline and mineral products.

Proof of other legal funds.

Extended information

Use of bank settlement account

Article 33

The basic deposit account is the main account of the depositor. The depositor's collection and payment of funds for daily business activities and the withdrawal of wages, bonuses and cash should be handled through this account.

Article 34

General deposit accounts are used to handle depositors’ loan transfers, loan repayments and other settlements of funds. This account can handle cash deposits, but cannot handle cash withdrawals.

Article 35

Special deposit accounts are used to handle the collection and payment of various special funds.

The funds in the unit’s bank card account must be transferred and deposited from its basic deposit account. This account is not allowed to handle cash collection and payment business.

Cash withdrawals are not allowed from fiscal extra-budgetary funds, securities transaction settlement funds, futures trading margins and special deposit accounts for trust funds.

If cash needs to be withdrawn from capital construction funds, renovation funds, policy real estate development funds, or interbank fund accounts deposited by financial institutions, approval by the local branch of the People's Bank of China should be submitted when opening an account. Local branches of the People's Bank of China shall review and approve it in accordance with national cash management regulations.

Cash withdrawals from special deposit accounts such as grain, cotton, and oil purchase funds, social security funds, housing funds, and party, league, and trade union funds should be handled in accordance with national cash management regulations.

Except for transferring funds to its basic deposit account or special fiscal deposit account for extra-budgetary funds, the income remittance account only accepts but does not make payments, and is not allowed to withdraw cash. In addition to transferring funds from its basic deposit account, business expenditure accounts only make payments but do not receive payments. Cash withdrawals must be handled in accordance with national cash management regulations.

Banks should strengthen supervision in accordance with the provisions of this article and the national regulations on the use and management of funds for grain, cotton, and oil purchases, and shall not handle fund receipts and payments and cash withdrawals that do not comply with the regulations. However, it is not responsible for supervising the use of other special funds.

Article 36

Temporary deposit accounts are used to handle the collection and payment of funds arising from temporary business activities of temporary institutions and depositors.

The validity period of a temporary deposit account shall be determined according to the period specified in the relevant account opening certificate or the needs of the depositor. If the depositor needs to extend the period of use of the account, he should apply to the bank where the account is opened within the valid period, and the bank where the account is opened shall report to the local branch of the People's Bank of China for approval before handling the extension. The validity period of a temporary deposit account shall not exceed 2 years.

Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations.

Baidu Encyclopedia - Management Measures for RMB Bank Settlement Accounts

How to make notes when a company makes partial payments to corporate transfers

Remarks should be made based on the actual purpose, such as paying wages, paying wages, etc. payment, investment payment, project payment, goods payment, etc. This may be different for each bank. You can choose the one closest to you or make a note yourself. Remarks are unilateral actions and have no legal effect. However, there is no need to write random remarks, otherwise it is likely to have an impact on your other business and evidence in tax inspections or legal evidence.