There are two ways for ICBC to pay online. 1 is the password card, and 2 is the U shield. The password card can meet the small payment, which is generally 1000 yuan per day. In this case, some people can fully satisfy it as long as they charge the phone bill or something, and it is also convenient to use. ICBC's U shield is infinite, and China Merchants Bank has digital certificates and UKEY, but digital certificates are very troublesome, and some people don't understand it. The installation is inconvenient, and it is also inconvenient without a password card. The payment amount and limit of UKEY and U Shield are similar, but the second-generation UKEY of China Merchants Bank is driver-free, and ICBC needs to go to online banking to update the driver, which is a bit troublesome for computers that are not good at it. As for credit cards, ICBC can now apply for credit cards online as long as it applies for online banking, and now it doesn't need to print and mail them outside. China Merchants Bank needs to mail its own credit card application, and so does online shopping. The daily shopping limit of ICBC's credit card password card on any payment platform is 1000, while China Merchants Bank currently does not support Tenpay, which is 599.99 for Alipay and 299 for Baifubao. It's not convenient to be too low every time, is it? In terms of funds, ICBC has a 20% discount on the handling fee for buying funds, while China Merchants Bank has no discount. The investment quota is 200 for ICBC and 300 for investment promotion, but ICBC must invest for 2 years and attract investment for half a year. ICBC can only buy bonds online, and it is more convenient for customers who don't like risks to buy bookkeeping and savings tests when attracting investment. China Merchants Bank has three sets of passwords: payment password, inquiry password, transaction password, login password, password used by ICBC for login and U shield payment, and transaction password. There are professional payment and corporate payment for investment promotion, and only 1 for industrial and commercial payment. You need to enter the card number and login password. ICBC's online banking is based on a city, and each city can have its own online banking, and of course it can also be related. China Merchants Bank's online banking is nationwide, and only one can be opened. For these two banks, other functions are basically the same, and I don't know some people because I haven't seen them. I started doing very well in 2003, and paid them both in China. Compared with other banks, these two banks support almost all domestic websites in B2C, and ICBC and China Merchants Bank are basically the top two in terms of online payment platform withdrawal.