Description
Adhering to elegant, steady and customer-centric design, ICBC’s personal mobile banking provides customers with features such as account application, account query, transfer and remittance, deposit and loan, credit card, investment and wealth management, and bills payment. It serves as an open and secure comprehensive financial service platform provided by ICBC to domestic personal customers based on the Internet.

Applicability
It provides e-banking services for registered ICBC e-banking customers who have installed the App of ICBC.

Features and Advantages
I. Simple Application Procedures
You can register personal e-banking at an outlet of ICBC or via the App of ICBC that you can download and install by yourself.
II. Channel Sharing
After registering the ICBC e-banking, you can use our e-banking services by accessing personal Internet banking on a browser or accessing the personal mobile banking App of ICBC.
III. Rich Functions
ICBC’s personal mobile banking provides you with financial services such as account query, domestic and overseas transfer and remittance, deposits, funds, wealth management, bonds, insurance, foreign exchange, loans, bills payment, bank card application, credit card repayment and e-CNY. It also provides you with cardless cash withdrawal, outlet service booking, credit certificate issuance, financial calendar, ICBC messenger, cloud custody, digital collections, credit report, medical insurance electronic vouchers and other value-added services, as well as life services such as food and entertainment, travel, coupons, and online shopping discounts.
IV. Openness and Sharing
1. The service is open, and you can access ICBC’s financial product information without logging on.
2. The service is available to all customers, allowing customers holding cards of other banks to register and use ICBC’s personal mobile banking.
V. Security and Reliability
ICBC’s personal mobile banking has strict security controls over key links such as logon and external fund transfer. It uses multiple authentication methods, including password, USB-shield, SMS authentication, fingerprint authentication, and face recognition, to ensure the security of customers’ funds and information. If necessary, it will take enhanced measures such as phone verification to further ensure your fund security.

Application Process
1. Application over the counter
(1) Application materials required by ICBC: If you have already opened an account with ICBC, you need to provide your valid ID and bank card or passbook to be registered.
(2) If you have not opened an account with ICBC, you need to provide your valid ID.
(3) If you have reached the age of 16 but are under the age of 18, and your labor income is your main source of income, apart from the above information, you also need to provide your labor contract, payroll, or other valid certification materials that can prove that your labor income is your main source of income.
(4) If you are under the age of 16, or if you are over the age of 16 but under the age of 18 and do not rely on your own labor income as your main source of income, your guardian shall register e-banking on your behalf at the counter. In addition to your personal information, the valid ID of the guardian, as well as household register or other valid proof materials that can prove the guardianship relationship shall also be provided.
2. Self-registration
(1) The self-registration function is available to the customers over the age of 18.
(2) You can download and install the App of ICBC and use the registration function for self-registration.
(3) Customers registering by themselves can only use a part of the functions of personal mobile banking.
(4) Self-registered customers using ICBC physical cards can be upgraded to counter-registered customers through remote video services of personal mobile banking.

Notes
1. Please download the App of ICBC through the official application market or the portal of ICBC (http://www.icbc.com.cn).
2. To ensure your normal use of ICBC’s personal mobile banking, please do not use jailbroken mobile devices.
3. For the security of your account information and funds, please properly keep your registered card number (account number, logon ID, or registered mobile phone number), password, ID, USB-shield, and terminal devices such as mobile phones or computers used for e-banking business.