You need to meet certain conditions before you can apply for financial management. The average daily assets of gold cards are more than 200,000 yuan, and the average daily assets of wealth cards are more than 6,543,800 yuan. This asset includes the total value of wealth management products, national debt and funds. Treatment: exclusive VIP wealth management center

As a customer of a wealth management account, you naturally enjoy a superior position. For any of your financial needs, ICBC will give priority to meeting them and let you walk ahead of others.

Considering your high demand for privacy, ICBC has set up thousands of VIP wealth management centers with "wealth management accounts" in large and medium-sized cities across the country, providing you with exclusive wealth management space, allowing you to handle all kinds of business with the help of account managers and enjoy the freedom of wealth.

Green channel priority service

From now on, you can handle any financial business in more than 65,438+00,000 banking outlets of China Industrial and Commercial Bank. You only need to show your wealth management account, that is, you don't have to queue up, you automatically enter the green channel and give priority to all kinds of business.

Apply for consumer loans, automatically enter the green channel, enjoy priority services in handling and approval, and even have a comprehensive credit loan specially launched for you. One-time credit, recycling, and applying for a loan are more convenient and quick, which can meet your financing needs immediately and let you realize your dream in advance.

Hong Kong and Macao VIP financial services

Considering your transnational wealth management needs, Industrial and Commercial Bank of China has extended the VIP wealth management account service to Hong Kong and Macao, and provided you with comprehensive VIP wealth management services in Hong Kong and Macao through ICBC Asia and ICBC Macau. Your business outlets in Hong Kong and Macao can not only enjoy a series of priority services, but also enjoy relevant preferential charges.

Unique VIP version of online banking

ICBC provides VIP personal online banking for customers with wealth management accounts, provides you with exclusive online banking service channels, and provides you with many fee concessions such as transfer and remittance. Through the VIP version of online banking, you will be able to easily handle various financial services such as transfer, remittance, payment, investment and wealth management, self-help loans, online shopping and so on. , enjoy the convenience and speed of online banking, so that you can have a carefree tour of the online world and enjoy the distinguished experience.

Telephone banking VIP channel

Our bank has specially set up a VIP service line 400-66-95588 for your wealth management account. You only need to enter the telephone banking through the card number and password of the wealth management account, and select manual service in any menu, then you can directly connect to the exclusive VIP seat and enjoy more detailed and intimate service. You can also access the customer dedicated line of ICBC (Asia) wealth management account through 95588 and enjoy a series of VIP wealth management services provided by ICBC (Asia).

Emergency support service

In addition to icing on the cake, there is also a "gift in the snow." When you need urgent help in financial services, please call your account manager or hotline 95588 immediately, and ICBC will try its best to solve the problem for you.

Multiple fee reductions and exemptions

In ICBC, you can enjoy online banking remittance, loss reporting, remote deposit and withdrawal, financial management agreement and other business expenses. Experience the dignity of VIP. For more preferential information about wealth management accounts, please visit the portal website of Industrial and Commercial Bank of China (www.icbc.com.cn) or consult local business outlets. Special merchant discount

The value of wealth lies not only in wealth itself, but also in ICBC, wealth makes you have more.

Not only can you enjoy a series of VIP offers provided by ICBC, but you can also enjoy discounts and wonderful life in many well-known businesses. Special merchants of wealth management accounts are located in major cities all over China, including well-known brands, shopping malls, hotels, tourism, fitness, entertainment and other fields. Please visit the portal of Industrial and Commercial Bank of China (www.icbc.com.cn) for details of the preferential merchant network of wealth management account. Free VIP special issue

ICBC will also provide you with VIP special issues of exquisite wealth management accounts on a regular basis, introducing you to various wealth management skills, medium and long-term market information, and wonderful fashion life information to show your life taste.

Expert financial management team

A gentleman loves money and is justified.

How to reserve sufficient funds for children's education, retirement and other life events? How to preserve and increase the value of your wealth? ICBC is composed of account managers who have obtained CFP (International Financial Planner) and AFP (Financial Planner), as well as experts in the fields of stocks, funds and foreign exchange, and will tailor appropriate personal or family financial planning for you, so that you can enjoy wealth appreciation and realize your life goals. Full-time account manager

Care is meticulous and everywhere.

ICBC has equipped high-quality account managers for wealth management account customers. The account manager will always respond to your various financial services needs and provide you with one-on-one wealth management services with the support of the wealth management team in the background. If you have financial needs or questions, you can directly consult the account manager, and you can make an appointment with the account manager to handle various financial services. The account manager can also provide you with various reminding services such as deposit maturity reminder, loan repayment reminder and fund net value reminder. Rich investment and wealth management products

Considering your diversified investment and wealth management needs, in addition to traditional savings deposits, ICBC also provides you with a wealth of investment products: treasury bonds, funds, insurance, foreign exchange transactions, bank-securities transfer, gold transactions, local and foreign currency wealth management products, etc. To help you avoid wealth management risks and successfully achieve your wealth management goals. Loan service, the way of Zhang Chi.

The pursuit is endless, and only by balancing assets and liabilities can we advance and retreat freely. We are convinced that you must know the way to balance. Therefore, whether you want to buy classic real estate, raise funds for your career, or even need short-term financing in an emergency, ICBC is always ready to help you. The types of loans we provide are: personal housing loans, automobile consumption loans, comprehensive consumption loans, short-term credit loans, personal business loans and so on. Timely financial information

Life is dynamic, so is financial management. ICBC provides customers with a wealth of wealth management account market information, allowing you to seize every opportunity of wealth growth. You only need to log on to ICBC's website, you can keep abreast of ICBC's latest business concessions and wealth management products, and keep abreast of market information such as securities, foreign exchange, gold and futures, so that you can take the lead in the market. Centralized account management, one card for multiple purposes.

With a wealth management account, you can handle various banking services such as local and foreign currency deposit, investment, loan, payment, transfer and remittance through one wealth management account card without holding multiple passbooks and cards. Life is simpler from now on.

You can also flexibly manage various accounts under your own name through financial accounts to meet various financial needs. For example, you can put your existing passbook into a wealth management account, and you don't need to deposit more passbook. When there are special needs, you can also separate the sub-account in the wealth management account from the wealth management account, and open a passbook and set a password for the sub-account. Personalized automatic transfer saves time and worry.

ICBC provides you with a variety of personalized automatic transfer services, so that you can get rid of the tedious daily accounting treatment and enjoy more wealth and freedom.

Term type: transfer a fixed amount from your account to your account or someone else's account according to a fixed period, which is suitable for monthly transfer to mortgage repayment account, alimony to parents, living expenses for children, etc.

Balance replenishment type: when the balance of your own account or someone else's account is lower than the standard set by you, transfer a certain amount from your other account to make up for it, so as to keep the account balance above the standard set by you.

Starting point trigger: when the balance of your current account is higher than the specified standard, a certain amount (either excess amount or fixed amount) will be automatically transferred out for you to deposit as time deposit (or call deposit). The transfer-out account can also be a current account of yourself or others.

Regular automatic payment: pay your daily expenses such as telephone and mobile phone fees on time every month.

Automatic credit card repayment: You only need to designate a repayment account as the automatic credit card repayment account, and you can automatically repay the overdraft of the current bill on the due repayment date of the credit card every month. Ding Huotong

You can automatically convert the idle funds in your current account into time deposits every month through the "Fixed Life Link" financial agreement. When the demand account is short of funds due to credit card consumption or cash withdrawal by transfer, time deposits will be automatically converted into demand deposits to meet the dual needs of time deposit income and convenience of demand deposits. (If you spend money at a non-ICBC POS machine or withdraw cash at an ATM machine, the time deposit will not be automatically converted into a current account. ) accumulated interest deposit plan

For your large short-term funds, you can automatically convert them into call deposits by handling the "Rollover Interest Deposit Plan", and automatically roll over the principal and interest of call deposits in eight or two days. Not only can you get a higher interest rate for call deposits, but you can also withdraw your deposits at any time. At the same time, you can customize the rollover period and deposit period of notice deposit according to actual needs, and can help you convert notice deposit into time deposit. Li Tianli account

After signing the "Litianli" financial management agreement with our bank, ICBC can connect your designated RMB current settlement account ("Litianli" account) with money market funds, short-term debt funds and other low-risk fund products, so as to realize the automatic subscription and redemption of low-risk funds, help you carry out effective cash management and realize the preservation and appreciation of assets.

ICBC has also launched the "Litianli" quick redemption function. You can apply for quick redemption through our counter or electronic banking channels. After accepting your application, ICBC will transfer the redemption funds to your "Litianli" account in real time, providing you with efficient use of funds and realizing efficient cooperation between investment and capital turnover. Reserve fund service

China Industrial and Commercial Bank provides "petty cash" interest-free overdraft service for your valued customers. You can get an overdraft limit equivalent to the balance of time deposits in the wealth management account card. When the funds in the current account in your wealth management account card are insufficient, you can withdraw cash or spend or transfer money on the same day without interest, thus avoiding the interest loss caused by withdrawing time deposits in advance.

The petty cash service will be opened upon application, and the amount is available at any time. Joint account

Considering the need of * * * account management between you and your relatives and friends, ICBC specially provides joint accounts for wealth management account customers to realize * * * management, * * * use and * * * accumulate funds. A joint account is opened by two or more (less than five) individual customers at the same time, and the deposit is not restricted. Withdrawals must be handled in an agreed manner. The currency can be RMB or foreign currency, and the account type can be personal current settlement account or lump-sum time account. bank deposit

ICBC launched a bank account for customers with wealth management accounts. After you open a bank account, you can centrally display and manage your ICBC accounts (bank cards/passbooks/certificates of deposit) distributed in various regions of the country through the wealth management account card, so as to easily realize the transfer of funds between registered accounts and meet the demand for mutual transfer of funds nationwide. You can also fully grasp the distribution and capital status of your ICBC accounts all over the country, and maximize wealth appreciation with the help of account managers. Comprehensive reconciliation service

1, SMS bill. ICBC provides SMS billing service for every financial account customer. As long as the balance of your wealth management account card changes, the SMS bill will be delivered immediately, so that you can keep track of the account changes anytime and anywhere.

2. Check the books. When opening a "wealth management account", you can have a reconciliation account book, which will record your account business details in detail. You can always print on the counters of local outlets or self-service devices such as auxiliary folding machines, so as to keep abreast of the changes of funds in your account.

3. Comprehensive monthly statement. ICBC provides you with monthly statement service, so that you can fully grasp your comprehensive assets on a regular basis.