The debit card of the bank, referred to as IB Card in general, is a bankcard that combines all the advantages and functions of the existing bankcards, a comprehensive wealth management facility of electronic money, and an all-in-one bankcard carrying multi accounts.

With IB Card, you can enjoy the following benefits:

 Multi Currencies & Multi Accounts

Multiple accounts of different categories, demand account and time account, and of different currencies, RMB, USD, HKD, JPY, etc., can be opened in just one card.

Unified Operations & Nationwide Channels

•  Saving and withdrawing, changing password, making transfers and inquiries over any of the bank's office counters;

•  Obtaining cash of RMB, changing password, making transfer and inquiries through any of the bank's ATMs;

•  Putting into RMB demand deposits at any of the bank's Automated Cash Deposit Machines (ACDs), and

•  Withdrawing money and inquiring account info by way of any of other banks' ATMs that connected by the network of ChinaUnionPay.

POS Consumption

Settling shopping via POS at nationwide merchants of ChinaUnionPay.

 Self-service Transfer

Card-to-card and card-to-passbook transfer of RMB demand deposit through IB ATM, IB Telephone Banking (95561), IB self-service banking terminal and CIB Online.

Inter-bank Transfer

HK & Macao Express

When traveling in HK and Macao, holder of IB Card can withdraw cash and make inquiries through ATM bearing the logo of ChinaUnionPay, as well as make payments via POS with the logo of ChinaUnionPay.

Currency of transaction is HKD in HK and MOP in Macao.

Bank-securities Link

Bank-securities Transfer

Online Payment

Making online payment for shopping via CIB Online Shopping.

Automatic Renewal & Automatic Deposit Conversion

Time deposit in your IB Card will be automatically renewed upon maturity.

Automatic deposit conversion refers that you can set a retained amount, a converted amount, and a deposit period in advance, and the system will automatically convert your demand deposit into time deposit when all the preset conditions are satisfied.

Petty Pledge Loan

You are able to acquire a short-term petty pledge loan secured by the time deposits in your IB Card.

Agency Collection and Payment

Services include agency salary payment, agency bill payment for water & electricity expense, tax, phone expenditure, insurance premium, etc..

You can enjoy all these services by giving agency payment instructions to the bank in advance and taking advantage of the automatic payment services thereon, or by conducting these businesses through our self-service banking systems, via IB Telephone Banking (95561) or CIB Online.

Principal & Supplementary Cards

A supplementary card is available for each principal IB Card, which shares a common demand account with the principal card.

Deposit without Card

Real-time deposit against card number only at any business office of the bank

Personal Spot FX Transaction

Long-distance Phone

After a simple application, you can dial 17910, 193300, or wire internet by dialing 165 with IB Card at 50% discount, where the IB Card number is served as phone card number.

Hotel Booking

Reserving room in star-rated hotels of medium and big cities nationwide at favorable prices (30-70% discount) by dialing 800-820-6666 on account of your IB Card number.