Introduction of main points

How to open an ICBC wealth management account?

"Financial Account" is a new personalized, all-round and VIP-style financial product provided by China Industrial and Commercial Bank for VIP customers. This product is characterized by paperless and electronic, and is guaranteed by an advanced, efficient, convenient, safe and reliable electronic system, which integrates many advanced technologies such as comprehensive account system, personal financial management system and customer relationship management system.

The conditions for opening a wealth management account of ICBC are as follows:

1. Apply with my valid ID. If it is represented by another person, it shall also provide the valid identity certificate of the agent.

2. The opening amount of ICBC's wealth management account requires that the balance of customers' current deposits and loans (excluding housing loans) in our bank reach 300,000 yuan or equivalent foreign currency, of which the deposit balance shall not be less than 200,000 yuan or equivalent foreign currency. But the regulations in different regions are different. Please contact local 95588 for details.

Note: The annual financial management fee is 50 yuan/year, which will not be charged for the time being. If the daily average assets of ICBC wealth management account customers are less than 200,000 yuan, the account management fee shall be paid annually, and the standard of account management fee is 300 yuan/year. The account management fee is collected from the financial account basic account on June 30th every year. If the account opening date is less than one year from the first account management fee deduction date, the calculation standard of the first year account management fee is "300 yuan × the number of days from the account opening date to the first account management fee deduction date /365". If the balance of basic account is insufficient to pay the account management fee, it will be automatically deducted from the account deposit in the future.

What are the requirements for ICBC's wealth management account? How to handle a gold account?

First of all, you have become a five-star customer of ICBC.

How to become a five-star customer of ICBC? Mainly for the greater the benefits created by ICBC, the higher the star rating.

A simple summary generally focuses on the following items to improve the star rating:

1, current and time deposits; (The more deposits, the longer the filing time, the better)

2. Purchase wealth management products, funds, national debt, insurance, etc. (The larger the purchase amount, the longer the holding time, the better)

3. Personal liabilities include: housing mortgage loan, other personal loans, card overdraft, etc. (Large amount, long loan period and rapid growth)

These short-term and medium-and long-term assets and liabilities can get the corresponding star point value. When the star point value reaches 2000, they can become five-star customers. After the conditions are met, the general bank will notify you by SMS, or you can check the star rating through online banking.