☆ Login Page
1. Login
Login can be made by using mobile phone number, bank card number, username, and customer ID, or scanning the QR code via the IB Mobile Banking APP.
2. First-time Login
For clients who have not applied for the personal Internet banking, please submit online application before logging in the personal Internet banking of IB.
3. Forget Login Password
If you forget your password of the Personal Online Banking Platform, or if the password is locked, you can reset the password via mobile phone or E-mail.
☆ Welcome Page
The Welcome Page offers important notices, search of functions, menus of all levels, convenient access, wealth overview, lists of accounts, targeted recommendations, etc.
☆ Wealth Overview
It offers the inquiry on the information of personal total assets and debts.
☆ Inquiry
It offers the inquiry on deposit balance, transaction statements, and E-Finance operations.
☆ Service Management
1. Emergency Loss Report
Oral loss report for a non-credit card account registered with the personal Internet banking system online.
2. Intra-bank Account Management
You may register all your IB accounts under your Internet banking client ID to manage all the accounts in a unified manner. The main functions include: adding new account, revising account by name, deleting, and account sequencing.
3. Setup of Functions and Limits
It offers services including the E-Finance Platform, phone banking, the IB E-Finance APP, mobile payment, and the opening, modification, closing, and inquiry of the“Smart Messenger” Service with a monthly service fee of RMB 1. The detailed charging standard can be found in the Price List of Comprehensive Services in Industrial Bank.
4. Security Guard
4.1 SMS Guard
It enables the opening, closing, and modification of SMS Guard, which refers to the one-time random password sent to the mobile phone number provided in the contract while conducting transactions, payment, online payment, and other businesses via the E-Finance Platform. Relevant businesses can only be processed after entering the correct password.
4.2 Certificate Management
It offers services including the inquiry, binding, and unbinding of certificates. Made and issued by China Financial Certification Authority, the IB’s prefabricated NetShield is an efficient tool to safeguard transactions. The application for the NetShield will be charged according to the Price List of Comprehensive Services in Industrial Bank.
4.3 Preset Verification Information
You may set self-defined preset verification information. After the completion the settings, the information will be displayed on the Welcome Page every time you log in to the IB Personal Online Banking Platform.
4.4 Dynamic Token
It offers the functions including the time sync, loss report, binding, and unbinding of the Dynamic Token, which is a new security tool offered by IB. After linking the bank card to the Dynamic Token, the verification of which will be required for some transactions. During transactions, customers should enter relevant information as instructed by the page. Then a one-time six-digit number will be randomly generated, only upon the entering of which the application can be completed. Fees will be charged in the application for the Dynamic Token according to the Price List of Comprehensive Services in Industrial Bank.
5. Modification of Password
It offers the functions of changing the passwords for withdrawal and the IB E-Finance login, and resetting the online payment password.
6. Modification of Personal Information
The online inquiry on account details is available. For customers of the IB E-Finance Platform’s Safe Guard service or Personal Online Banking NetShield, the online modification of contact address, phone number, and E-mail address is available.
7. Login Method Management
Set the mobile phone number and username for login.
8. Privacy
See the IB Privacy Policy for E-Finance Customers. The cancellation of agreement is supported.
9. Cancellation of Customer ID
☆ Transfer and Remittance
1. Real-time Transfer between IB Accounts
You may handle RMB transfers and remittances to a corporate or personal demand account opened with IB and the funds can arrive on a real-time basis under a normal circumstance.
2. Real-time Inter-bank Transfer-out
You may handle RMB transfers and remittances to a demand account opened with another bank and the funds can arrive on a real-time basis under normal circumstances.
3. Real-time Inter-bank Transfer-in
You may handle transfers and remittances to an IB account from a demand account opened with another bank and the funds can arrive on a real-time basis under normal circumstances.
4. Regular Inter-bank Transfer
You may handle RMB transfer and remittance to a demand account opened with another bank and the funds cannot arrive on a real-time basis.
5. Scheduled Transfer
You can preset the specified date, frequency, amount, payment account, and receipts account. The system will automatically initiate the transfer from the payment account to the receipts account upon the arrival of the reserved date.
6. Batch Transfer
It supports the transfer to multiple accounts by the IB debt card. The receipts account can be of either IB or other banks. The number of each batch ranges from 2 to 1,000.
7. Other Transfer
7.1 In-Card Account Transfer
This enables the transfer between in-card demand deposit accounts of an IB debt card.
8. Inquiry on Transfer Statements and Receipts
It supports the inquiry on individual transfer statements.
9. Management of Frequently-used Payee Accounts
It supports the addition, deletion, and modification of the information of frequently-used payee accounts. When conducting transfer and remittance, you can directly choose the frequently-used payee account without repeated entering, so as to reduce the workload and errors. You can also set up an alias for each payee account as a reminder for its use.
10. One-key Transfer
Clients can preset the frequently-used transfer instruction and save it in the Personal Online Banking Platform. The transfer can be made after choosing the frequently-used transfer instruction, writing the transfer amount, and passing through necessary safety verification.
11. Foreign Exchange Remittance
Foreign exchange remittance can be initiated via the Personal Online Banking Platform, including the intra-bank and cross-border remittance. The intra-bank foreign exchange remittance only supports the foreign currency transfer between IB accounts of the same client.
☆ Funds Aggregation
It includes both inter-bank and intra-bank aggregations.
1． Inter-Bank Aggregation
The Inter-bank Aggregation allows the online operation of accounts of other banks, currently including the functions of inter-bank agreement management, real-time inter-bank transfer-in, real-time inter-bank inquiry, One-key aggregation, automatic aggregation settings, and inquiry on aggregation statements.
1.1 Inter-bank Agreement Management
It offers functions such as the inter-bank inquiry on agreements, or the inquiry, signing, and cancellation of the transfer-in agreement.
1.2 Real-time Inter-bank Inquiry
It enables the real-time inquiry on the balance and transaction statements of an account of another bank.
1.3 Real-time Inter-bank Transfer-in
It enables the transfer of funds from the account of non-IB banks into an IB account.
1.4 One-key Aggregation
It enables direct inter-bank transfer-in by presetting the payment and receipts accounts in advance.
1.5 Automatic Aggregation Setting
The automatic aggregation relation can be set via the IB E-Finance Platform. After completion of settings, the system will initiate the aggregation transaction based on the customer’s presetting including the frequency, method, and starting time of the automatic aggregation, transferring the customer’s funds of an account of another bank into their IB account automatically. It also supports the automatic split and aggregation of large amount of money.
1.6 Inquiry on Aggregation Statements
The inquiry on aggregation statements is available with detailed statements of the success or failure of aggregation.
2 Intra-bank Aggregation
It enables the online operation of other IB accounts, currently supporting the intra-bank agreement management, real-time intra-bank transfer-in, real-time intra-bank inquiry, One-key aggregation, automatic aggregation settings, and inquiry on aggregation statements.
2.1 Intra-bank Agreement Management
It offers functions including the inquiry on the intra-bank agreement, and the inquiry, signing, and cancellation of the transfer-in agreement.
2.2 Real-time Intra-bank Inquiry
It enables the real-time inquiry on the balance and transaction statements of other IB accounts.
2.3 Real-time Intra-bank Transfer-in
It enables the real-time transfer of funds of other IB accounts into the IB receipts account.
2.4 One-key Aggregation
It enables direct intra-bank transfer-in by presetting the payment and receipts accounts in advance.
2.5 Automatic Aggregation Setting
The automatic aggregation relation can be set via the IB E-Finance Platform. After completion of settings, the system will initiate the aggregation transaction based on the customer’s presetting including the frequency, method, and starting time of the automatic aggregation, transferring the customer’s funds of an account of another bank into their IB account automatically. It enables the setting of a new aggregation, and the modification and deletion of the existing aggregation.
2.6 Inquiry on Aggregation Statements
The inquiry on aggregation statements is available with detailed statements of the success or failure of aggregation.
☆ Wealth Management and Investment
1 Precious Metal
The IB Agency Precious Metal Trading Service for individual clients means that IB, as a finance member of Shanghai Gold Exchange, act as an agency for such transactions as precious metal trading, fund settlement and physical delivery inside Shanghai Gold Exchange based on the entrustment of individual clients. IB collects the agency service fee but does not bear liability for the profits and losses arising from agency transactions.
2. Agency Fund Transaction
It provides the following services for the funds sold by IB as an agency: risk assessment, opening, inquiry, automatic investment plan (AIP), purchase, redeeming, converting, modification of income distribution method, cancellation, fund SMS service, and account opening for UnionPay fund.
3. UnionPay Fund Supermarket
It provides the account opening service for UnionPay fund. After opening an account, any client may log on the website of a fund company to purchase UnionPay fund.
4. Bank-securities Business
The IB Bank-securities Business means that during the management of trading settlement funds for clients of securities enterprises, a deposition-management bank is introduced as an independent third-party institution to perform the depository responsibilities of regulating the detailed statements of the account of the investor and monitoring the closed operation of the trading margin. It is responsible for the deposit and withdrawal of the investor’s capital and the businesses such as the capital delivery with China Securities Depository and Clearing Co., Ltd and other capital delivery entities based on the settlement data sent by the securities company. This Business is an effective deposition mode to safeguard the security of funds of the client, including functions such as self-service signing, ordinary deposition, and margin trading and short selling.
5. Wealth Management Products
5.1 My Position
It supports the inquiry on the wealth management products that you have purchased.
5.2 Inquiry and Purchase of Wealth Management Products on Sale
You can make inquiry on and purchase the IB wealth management products.
5.3 Redemption of Wealth Management Products
You can redeem the successfully-purchased wealth management product.
5.4 Cancellation of Wealth Management Products
The transaction instructions issued via all IB channels for the purchase, subscription, and redemption of all revocable wealth management products can be canceled.
5.5 Inquiry on Transaction Statements of Wealth Management Products
You can make inquiry on the transaction statements of the purchase, subscription, redemption, and cancellation via all IB channels.
6. Treasury Bonds
6.1 Certificate Treasury Bonds
It offers the inquiry on the holding position of certificate treasury bonds.
6.2 Savings Treasury Bond (Electronic)
It offers the function of opening individual treasury bond account, inquiry and purchase of the issuance of Savings Treasury Bond (Electronic), inquiry on the position, transaction statements, and customer information, phone inquiry, and the report of loss of password.
7. Bank-exchange Pass
It provides commodity exchanges with the functions of self-service account opening, client information inquiry and modification, and bank-exchange transfer.
8. Bank-futures Direct Express
It provides services related to the transfer of futures funds, such as agreement signing, agreement termination, client information inquiry and modification, and bank-futures transfer.
9. Foreign Exchange Sale and Purchase
Foreign exchange can be sold and purchased via personal Internet banking.
10. Private Pension
It enables the inquiry on the private pension account, purchase of funds, deposit, and insurance, modification and resetting of the password, etc.
☆ Deposit Products
1. Notice Deposit
1.1 Intelligent notice deposit (convenient version)
It enables the inquiry on the signing of Intelligent notice deposit (convenient), and the termination of it.
1.2 Intelligent notice deposit (income-oriented version)
It enables the inquiry on the signing of Intelligent notice deposit (income-oriented version), as well as the termination and withdrawal of Intelligent notice deposit (income-oriented version), the modification of retained amount, the opening and termination of convenient payment, the inquiry on statements, etc.
1.3 Ordinary Notice Deposit
It enables the purchase, withdrawal, and inquiry on position of Ordinary Notice Deposit and its premium version.
2. Ordinary Time Deposit
It enables the purchase, withdrawal, position inquiry, and the automatic conversion to time deposit when exceeding the limit.
3. Large-sum Certificates of Deposit
It enables the purchase, withdrawal, transfer, and position inquiry of the Large-sum Certificates of Deposit.
4. Elderly Bliss Deposit
It enables the purchase, withdrawal, and position inquiry of Enjoyable Deposit.
5. Structured Deposit
It enables the purchase, cancellation, position inquiry, and transaction statement inquiry, etc.
6. Courtesy Certificates of Deposit
It enables the purchase, withdrawal, and position inquiry of Etiquette Certificates of Deposit, including "Prosperity Gold" and COD-backed FX instruments.
☆ Online Payment
It enables the opening and termination of online payment, online payment statement inquiry, resetting of the password for online payment, the modification of limit of the online payment date, and the management of the signing of convenient payment.
☆ Loan and Financing
1. Self-service Pledge Loan
1.1 Opening and termination
It supports the online opening and termination of Self-service Pledge Loan.
1.2 Inquiry
It supports the online inquiry of existing application for Self-service Pledge Loan, and the payment of it.
1.3 Application
Loan funds can be directly transferred into the IB demand deposit account with time deposits and treasury bonds in the card as pledge.
1.4 Repayment
The pledge loan can be repaid via the IB E-Finance Platform.
2. Self-service Revolving Loan
Under the premise of the borrower providing the use of the self-service credit facility, IB sets up a certain limit within the individual overall consumption limit or the individual business limit, so as to facilitate the self-service loan and repayment via the IB E-Finance Platform or phone banking for borrowers.
3. "Business Express – Simple Loan"
3.1 Granting
It offers the granting of the Simple Loan to the borrower’s account or the entrusted payment account.
3.2 Repayment
It supports the online inquiry of existing application for the Simple Loan, and the partial or whole payment of it.
3.3 Tentative calculator
It supports the try-out calculation of the Simple Loan interest.
3.4 Inquiry
It supports the online inquiry of existing application for the Simple Loan.
4. Loan Information Inquiry
It supports the inquiry on all loan information within an IB card, as well as the repayment schedule and repayment statements within one year.
5. Loan limit Inquiry
It enables the inquiry on the loan limit information of an IB debit card.
6. Other Financing Registration
It enables the registration of financing businesses that can not be automatically registered on the IB E-Finance Platform, facilitating the management of overall financing business.
7. Modification of the Loan LPR Interest Rate
It offers the function of the modification of the loan LPR interest rate.
☆ Self-service Fees Payment
You can make the payment of various utility bills including water bill, electric bill, gas bill, phone bill, etc. The details of agency payment services vary according to the agency payment business in specific IB branches.
1. Online Fees Payment
It enables the payment of utility bills (If the self-service payment is not activated, it will be automatically activated once you confirm the instructions shown on the page).
2. Management of Withholding
It enables the signing, inquiry, and cancellation of the automatic bill payment relation of utility bills of the withholding account.
3. Inquiry about Previous Fees Payments
It allows inquiring about the detailed transaction information on the fees payment via personal Internet banking.
4. Scheduled Payment
You may make automatic payment to a preset payment item from the designated IB account for payment at the designated amount on the designated date according to the designated frequency.
5. Self-service Tax Payment
It enables the payment of filed local taxes and import tariffs of entry goods from customs.
☆ Credit Card
It offers functions related to credit cards, including the credit card inquiry, intra-bank credit card repayment, One-key repayment, application of credit cards, service settings, password modification, online payment, installment services, security settings, and cash advance.
1. Credit Card Inquiry
It supports inquiries on the credit card information, bills, rewards points, purchase of foreign exchange, installment of the general ledger, unsettled installment, authorization information, transaction statement of online payment, and QQ show virtual credit card.
2. Repayment of Credit Card within the Bank
It supports the RMB/purchase of foreign exchange repayment, as well as the USD repayment.
3. One-key Repayment
Once activated, this function enables the One-key credit card repayment without the need to select the debit card account for repayment.
4. Application for Credit Card
It enables the first-time application for a primary credit card, or for another primary credit card.
5. Service Settings
It offers the settings of the automatic repayment relation, repayment of purchase of foreign exchange, and SMS transaction notice, and the management of the limit of the additional credit card and personal information, the setting of the delivery address and methods of bills and the transaction password for consumption uses, and the management of the limit and statement date.
6. Password Modification
It supports the resetting/modification of the inquiry password and transaction password.
7. Online Payment
It supports the opening and termination of online payment, setting of the limit for online payment, inquiry on transaction statements of online payment, and the 3D secure authentication service.
8. Installment Services
It offers the installment of the general ledger, the unsettled installment, and the cash installment.
9. Security Setting
It offers the One-key credit-card-locking service, after the initiation of which the credit card transaction will be stopped. It also supports the setting of domestic and overseas transaction limits.
10. Cash Advancement
It supports the real-time transfer of the funds or overflow payment within the limit of the RMB cash advance in an IB credit card to your IB debit card, facilitating your withdrawal and transfer.
☆ Wealth Management Assistant
It offers services such as the wealth management calculator, deposit and loan interest rates, exchange quotation, notebook, charging standard, registration of non-IB banks, and registration of other assets.