Have you considered using a special accounttransfer accountsRemittanceCard consumption, investment, loan, etcPayment and settlement business？Now, according toPeople's Bank of ChinaAs a unified requirement, the Bank has taken the lead in launching personal settlement accounts to help you better manage capital flows and provide you with the convenience of directly converting current savings accounts into settlement accounts.
As the largest commercial bank in China, "China's Best Bank" and "China's Best Retail Bank" in 2002.thisICBCIt is the first to launch personal settlement accounts in China, aiming to provide customers with better account management services with rich settlement products, business outlets all over the country and leading technology systems.
E-banking is the leading peer
Industrial and Commercial Bank of ChinaIt has complete online banking, telephone banking, mobile banking and other electronic banking systems, and has the largest number of ATMs in China, providing a solid guarantee for you to handle various settlement services safely, quickly and accurately.ICBC took the lead in realizing data centralization nationwide, which can ensure yourtransfer accountsRemittances andremote deposit At the same time, you can also conveniently carry out stock, fundForeign exchange tradingEtcInvestment businessAnd seize every investment opportunity.
Rich settlement products
Individual settlement account
Industrial and Commercial Bank of Chinaat homePersonal financial businessThe field occupies the largest market share, has the most abundant personal settlement products, and has established extensive business cooperation relationships with many industries.Through our personal settlement account, you can not only conveniently handle transfer and remittanceCard consumption, online shopping, payment and other home financing businesses, as well as various loans and investment services.
Business outlets spread all over the country
By your side, we are trustworthy,Industrial and Commercial Bank of ChinaMore than 20000 business outlets across the country can handle various services for youSettlement business。In addition, our 71 overseas institutions can also provide you with the most convenient remittance business.
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1. Personal settlement account andsavings accountWhat's the difference?
In accordance with the unified regulations of the People's Bank of China《Measures for the Administration of RMB Bank Settlement Accounts》After the implementation, the fund collection, payment and settlement between you and others or companies must be handled through the settlement account. At the same time, many functions of the original current savings account can be realized through the settlement account.The similarities and differences between individual settlement accounts and current savings accounts are as follows:
(1) Common ground:
a. You can deposit and withdraw cash.
b.depositAre availableInterest income(The deposit interest rate of the settlement account is the same as that of the current savings account).
c. The personal settlement account and current savings account under my name can be exchangedtransfer accounts。
b.savings accountIt can only handle the deposit and withdrawal business and transfer in its own name, and cannot transfer funds to others or units, nor accept the transfer of funds from others or units.
Our bank has transferred the information you are currently handling and previously handledPayment and settlement businessThe current savings account of is functionally converted into a settlement account to ensure your normal use. You only need to confirm the nature of the account when you go to our bank for business.
2. Which businesses must be handled through the settlement account?
According to the unified regulations of the People's Bank of China, you must handle the following businesses in the bank through the settlement account:
(1) Receive funds transferred from others or units (such asPay on behalfAccount, receiving remittance from others or units)
3. Is there a limit on the number of individual settlement accounts?
According to the unified regulations of the People's Bank of China, there is no limit on the number of individual settlement accounts. You can open multiple settlement accounts locally or in different places according to your actual needs.
（2006-09-04）
Operation Guide
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You can apply for opening a new personal settlement account, or you can easily convert the existing current savings account into a personal settlement account.You only need to bring your ID card and current savings accountpassbook/You can apply for a smart card at any of our local branch's business outlets, and you can also entrust others to handle it on your behalf (the client also needs to carry ID cards).
According to the unified regulations of the People's Bank of China, if your current savings passbook/smart card is a companyPay on behalf/Bonus account, this account will automatically become a settlement account, and you do not need to confirm with our bank.
