【Introduction】
Nationwide inter-bank transfer is available with the bank to facilitate your express fund transfer between IB debit card and accounts of other banks over the counter or through ATM, internet banking, mobile banking and other electronic channels.
【Service Function】
| Transfer mode | Fund arriving time | Channel of transfer | Type of payee account | Activation/closing of service | Setting and change of limit | Daily cumulative limit of transfer | Banks supporting transfer-in |
| Non-real-time Inter-bank transfer | Non-real-time (arrive on the next business day generally) | Counter, internet banking, and mobile banking | Personal account and corporate account | Cardholders may go to any outlet of IB to activate or deactivate online/mobile banking transfers. Alternatively, they may log in to the online banking platform/mobile banking app to deactivate these functions on their own. Security Token holders may log in to the online banking platform/mobile banking app to activate transfers on their own. | Cardholders may go to any outlet of IBto set or modify transfer limits for online/mobile banking, or log in to the online banking platform/mobile banking app to set or modify these limits on their own. Note: "Non-real-time Inter-bank Transfer" and "Real-time Inter-bank Transfer" share the transfer limit for the same channel. | The transfer limits for online banking and mobile banking are based on the contracted transfer limits. Additionally, they are subject to the type of debit card (Type II/III accounts)limits and the limits for non-counter transactions. | All domestic banks |
| Real-time inter-bank transfer | Real-time | Internet banking and mobile banking | Depending on availability of the business in the corresponding bank | ||||
| Inter-bank transfer via UnionPay | Real-time | Self-service facilities (ATM/CDM/CRM/ Self-service Banking Terminal ) | Bank card | The transfer service may be activated and closed over the counter | It is required to set or change the transfer limit over the counter; a separate limit is available for inter-bank transfer via UnionPay. | Not more than RMB 50,000 (including) | Depending on availability of the business in the corresponding bank |
Description of mode: "Non-real-time inter-bank transfer" and "real-time inter-bank transfer" are based on the transfer business provided by the PBoC system, and "UnionPay inter-bank transfer" is based on the transfer service provided by the China UnionPay system.
【Users' Guide】
1.Counter: You may go to any outlet of IB to handle the transfer and remittance with your debit card and valid identity certificate.
2. Online Banking: To activate online banking transfer, cardholders can log in to the bank's personal online banking platform, navigate to the [Transfer and Remittance] menu, and select the transfer option;
3. Mobile Banking: To activate mobile banking transfer, cardholders can log in to the bank's mobile banking app, navigate to the [Transfer and Remittance] menu, and choose the transfer option.
4. ATM: You may activate the inter-bank transfer function via the ATM channel, and choose [Other Services]–[Transfer]–[Inter-bank Transfer] on ATM.
【Charging Rates for Inter-bank Transfer】
See the Charging Standards for the detailed charging rates for inter-bank transfer.
【Friendly Notice】
1.If you have activated online and mobile banking transfers, to ensure the security of your account funds, you will need to use SMS passcodes, dynamic tokens, or Security Tokens for verification during transfers. Additionally, the system may implement facial recognition verification, uplink SMS and other verification methods if necessary, depending on the security tools you have activated ,transfer verification seetings and the transaction details. please refer to the verification steps in the operation interface.(Note: An SMS passcode is a one-time verification code sent by the bank in real time to the mobile phone number linked to your bank card when you perform electronic transfer transactions. SMS passcodes are extremely important—never disclose or share them with others. Please exercise caution during transfers and verify recipient details through multiple channels to avoid scams!)
2.If you activate the function of designated transfer, only the transfer and remittance between accounts specified in the agreement can be handled.
3. Non-counter channels support 7*24 hours service. Upon the closing or shutdown of the system of the People's Bank of China of the system of UnionPay, the function of transfer will be suspended. As for information in details, please refer to the notice of the Bank.
4.The in-transit ATM delayed transfer will not be successful if the court, police, or judiciary authorities have frozen your account.
5.For individual clients holding an IB debit card, intra-bank and inter-bank transfers (excluding the transfer between the accounts under the same name) are available through ATMs and other self-service devices with deposit and withdrawal functions. IB will process the transfer within 24 hours upon receipt of the application. During this time period, you can apply to cancel the transfer over the counter or via IB telephone banking by calling 95561, then dialing 2, and 778.