Business overview: IB mobile banking, "Smart IB 3G banking", provides all-sided mobile finance and information services to clients via online mobile banking (http://wap.cib.com.cn or http://3g.cib.com.cn), iPhone client mobile banking and Android client mobile banking, leading the tide of mobile finance services in the age of 3G.
All around mobile finance service
☆ Account Inquiry☆
It provides the following inquiry service: deposit balance, transaction details, loan balance, inter-bank accounts, the latest ten transactions, transaction details of mobile banking, client rating, and other inquires (including housing provident fund accounts in Chengdu and social insurance cards in Fujian), to help you learn the situation of your assets at any time.
☆ Service Management ☆
It provides the service of emergency loss report for wealth management card, IB account management, account byname management, setup of function and limit, security protection, application of IB e-card, and inquiry about rewarded points of mobile banking, etc.
☆ Transfer and Remittance ☆
☆ Real-time intra-bank transfer ☆
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with IB, and the receiving account may be an IB wealth management card, credit card, deposit book, and corporate RMB settlement account.
☆ Real-time Inter-bank Transfer-out ☆
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with another bank through the online payment inter-bank settlement system of the People's Bank of China (super Internet banking), and after completing the operation, the funds will be remitted to the receiving account instantly.
☆ Regular Inter-bank Transfer ☆
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with another bank.
☆ Real-time Inter-bank Transfer-in ☆
It allows launching the authorized payment agreement on deducting funds from the account of another bank through the online payment inter-bank settlement system of the People's Bank of China (super Internet banking), and transferring the funds in that account into an IB account, and the transfer limit is set by the client upon signing the agreement.
☆ Mobile Phone Number Transfer ☆
It allows handling RMB transfer and remittance to an organization's account or a personal account opened with IB by entering the mobile phone number of a client.
☆ Inquiry about Transfer Transaction Details ☆
It allows inquiring about the transfer information of a wealth management card including: number of transfer receipt slip, type of transfer, amount of transfer, name of payee/payer, basic information of the payee/payer's account, and time of transfer.
☆ Management of frequently-used payee accounts ☆
Clients with wealth management cards for which agreements on free transfer via mobile banking have been signed may add, delete or modify the payee's information.
☆ One-key Transfer ☆
You can transfer money quickly by selecting the saved one-key transfer instruction, enter the trading amount and certification message. It supports saving "transfer and remittance — real-time intra-bank transfer, real-time inter-bank transfer-out, and regular inter-bank transfer" as the "one-key transfer" instructions and setting or modifying the instruction byname.
☆ Generation of Payee Account QR Code ☆
The payee may generate the payee account QR code via the function, which can be saved to the album of a mobile phone and sent to the payer.
☆ QR Code Payment☆
The payer may select the QR code corresponding to the payee account in the album, or directly screen the QR code to obtain the corresponding payee's information, and then enter the amount to make payment after checking that the information is correct.
☆ Funds Aggregation ☆
It provides the service of inquiry about inter-bank account, real-time inter-bank transfer-in and automatic aggregation setting, etc. The automatic aggregation supporting system will automatically transfer the funds from the accounts other banks into the wealth management accounts on a regular basis according to the aggregation information set by clients.
☆ Precious Metal ☆
It provides personal precious metal trading service, including inquiry about quotation, commissioned declaration of spots/deferred trading, delivery declaration, neutral position declaration, cancellation of declaration, precious metal deposit/withdrawal, inquiry, modification of trading password, and pick-up application, etc.
☆ Agency Fund Transaction ☆
It provides the service of fund commissioning, cancellation, automatic investment plan, inquiry, list of commissioning funds, and account opening, etc.
☆ Bank-securities Business ☆
It provides the services of personal third-party depository, financing securities and self-service agreement signing, including bank-security transfer, security-bank transfer, inquiry about security funds and inquiry about current day transaction details.
☆ Bank-futures Business ☆
It provides the functions of signing/terminating agreement between wealth management cards of personal clients and futures companies, bank-futures transfer, futures-bank transfer, and inquiry about funds account, etc.
☆ Wealth Management Products ☆
It provides the service of inquiry about and purchase of available wealth management products and redeeming, cancellation and inquiry about wealth management products of IB.
☆ IB Wealth Management ☆
It provides the service of certificate treasury bond, savings treasury bonds (electronic), notice deposit (intelligent notice deposit: agreement signing, inquiry and withdrawal; regular notice deposit: current deposit to notice deposit, and inquiry and withdrawal of notice deposit), and fixed deposit, etc.
☆ Foreign Exchange Trading ☆
It provides the service of personal firm offer foreign exchange trading, including information inquiry, commission of pending order, cancellation of pending order, instant transaction, etc.
☆ Loan Financing ☆
It provides the service of self-service pledge loan, Business Express – Simple Loan, inquiry about loan information and loan limit, etc.
☆ Self-service Fees Payment ☆
It provides the service of self-service fees payment. The specific agency fees payment items may be different depending on the agency fees payment service opened by each branch.
☆ One-key Service ☆
It provides three functions, namely one-key transfer, one-key fees payment and one-key repayment.
☆ One-key Transfer ☆
You can transfer money quickly by selecting the saved one-key transfer instruction, enter the trading amount and certification message. It supports saving "transfer and remittance — real-time intra-bank transfer, real-time inter-bank transfer-out, and ordinary inter-bank transfer" as the "one-key transfer" instructions, and setting or modifying the instruction byname.
☆ One-key Fees Payment ☆
You can pay fees quickly by selecting the saved one-key fees payment instruction, enter the trading amount and certification message. It supports saving "self-service fees payment -- fees payment for mobile phone numbers in Fujian Mobile" as the "one-key transfer" instruction and setting or modifying the instruction byname.
☆ One-key Repayment ☆
You can make repayment quickly by selecting the saved one-key repayment instruction, enter the trading amount and certification message, and it also supports setting or modifying the instruction byname.
☆ Repayment of Credit Card ☆
It means to Transfer funds from a wealth management card to a credit card (the same ID number and name for the two cards) for RMB repayment. With the function of "Latest Details", a client may check the details on repayment for credit card under the same name.
☆ Credit Card ☆
It provides the following service: inquiry about credit card balance, repayment with wealth management cards under the same name, consumption installments, bill installments, Unsent RMB bill, intra-bank/inter-bank cash advancement, mobile phone top-up, self-service fees payment, bill inquiry, inquiry of points, function setup, inquiry of rewarded points for mobile banking, inquiry of inter-bank account information, management of personal information, and modification of password, and loss report of credit card, etc.
☆ Foreign Exchange Sale and Purchase ☆
It provides the service of foreign exchange sale and purchase.
☆ Foreign Exchange Remittance ☆
It provides the service of foreign exchange remittance, including intra-bank and inter-bank remittance and cross-border remittance. The intra-bank foreign exchange remittance only supports transfer in foreign currency between accounts opened by the same client in our bank.
Diversified Value-added and Information Service
☆ Personal Finance ☆
It provides the value-added service of "Suixingyou" (Interest-guided Tour), Business Express, foreign exchange wealth management, and RMB wealth management, and the information service of personal deposit, personal loan, and IB card.
☆ Precious Metal ☆
It provides the information service of market quotation, daily and weekly reviews of previous metal, etc. Meanwhile, in the client-based precious metal quotation, it supports checking the quotation by swinging your mobile phone and provides synchronous voice report.
☆ Wealth Management Information ☆
It provides the information service of introduction to and operation of wealth management products of the bank.
☆ Corporate Finance ☆
It provides the following information service: IB Wise Fortune, cash management, corporate deposit, corporate financing, RMB settlement, IB Easy Trade, international settlement, agency business, consulting and witness business, etc.
☆ Institutional Finance ☆
It provides the following information service: financing convenience, intermediate business, liability business, and network platform, etc.
☆ Finance market ☆
It provides the following information service: research report, wealth management, assets custody, and futures finance, etc.
☆ Electronic Banking ☆
It provides the following information service: corporate Internet banking, personal Internet banking, telephone banking, mobile banking, SMS service, mobile wallet, and five-star navigation service system, etc.
☆ About IB ☆
It provides the following information service: about IB, investor relations, sustainable finance, etc.
☆ IB News ☆
It provides the following information service: latest news, special offers, and new products and services.
☆ Market Quotation ☆
It provides the following information service: inquiry of net agency fund value, inquiry of foreign exchange rates, RMB deposit rates, and RMB loan rates, etc.
☆ Outlet Search☆
It provides the information service of inquiring about banking outlets, ATMs and surroundings, etc.
☆ Mobile Stock Market ☆
It provides the following service: information on the stock market quotation, online stock trading and third-party depository bank-security transfer, etc.
☆ Mobile Phone Top-up ☆
It supports all online payment clients with IB wealth management card and credit card to pay fees for mobile phones of China Mobile, China Unicom and China Telecom across China. Meanwhile, it provides the top-up with preferential coupons.
☆ Life & Entertainment☆
It provides the following service: China Welfare Lottery, 99 Wuxian, cinema ticket, and traffic fine, etc.
☆ Business Travel ☆
The business travel channel provides various business travel service over mobile phones such as online real-time flight inquiry, air ticket booking, flights of special offers, order inquiry, and reminder of pick-up, etc.
☆ Business Application ☆
It provides the following service: application for mobile banking, application for credit card, online payment, application for IB e-card, and inquiry of receipt, etc.
☆ Wealth Management Calculator ☆
It provides the calculation service of deposit, loan and credit card installments.
☆ Users' Tips ☆
It provides the following information service: introduction to the functions of mobile banking, user's guide, and security guarantee, etc.
☆ Credit Card ☆
It provides the following service: merchants offering special concessions, special offers, product recommendation, business introduction, business transaction, mobile phone top-up, air ticket, IB mall, and agency fees payment in Shanghai, etc.
Convenient Voice Navigation Service
☆ Voice Navigation ☆
On the page of financial information section in the Client, clicking the microphone icon on the upper right corner, you can search financial information by way of voice input. After logging on the mobile banking platform, you can slide the screen to the right on the menu interface, and search the needed functional menu by way of voice input.TOP