How to open online banking without going to the bank?

It is possible to open online banking without going to the bank, but you can only open the inquiry function of online banking, and the transfer and payment must be opened at the bank branch, because the bank has to verify the identity of the customer.

How to apply: Go to any bank branch with a valid personal certificate to apply for online banking.

Internet banking (Internetbank or e-bank) contains two levels of meaning: one is the concept of institution, which refers to the bank that conducts business through the information network; The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services and emerging businesses brought about by the application of information technology. In daily life and work, when we mention online banking, it is more of a second-level concept, that is, the concept of online banking services.

Online banking business is not only a simple transfer of traditional banking products from the Internet, other service methods and connotations have undergone certain changes, and due to the application of information technology, new business varieties have emerged.

Online banking, also known as Internet banking and ** banking, refers to the use of Internet technology by banks to provide customers with traditional services such as account opening, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual bank counter on the Internet.

Internet banking is also known as "3A banking" because it is not limited by time and space, and can provide financial services to customers anytime, anywhere, and in any way (anyway).

。As for whether you use it for Alipay or Tenpay, it's up to you... You can also use it for both... Because Alipay and Tenpay are set up in two places... You only need to bind the same card to Tenpay and Alipay respectively...

The limits of online banking are based on the level of secrecy of the online banking you use... For example, ICBC. If you just apply for a password card, online banking seems to be 500 for a single transaction and 1000 for a day; If it's U shield online banking...

The limit will be raised ... Because the degree of secrecy of the U shield is higher than that of the password card... So the limits are also different...

If your single usage exceeds your limit... You can choose to top up money from your online bank card into your Alipay or Tenpay account... This way you can top up in several installments and pay in one lump sum...

As for the matter of binding the bank card to Alipay or Tenpay... It's not the bank that tied you up. It is necessary for you to apply for your own Alipay or Fortune Pass on the ** first. . . Then bind it.

If you don't go to the bank, you can't open it, you have to take your card to the opening bank to open it manually.

You can open Alipay.

You don't have to go to the bank to open online banking, you can open it online, but you can only have the function of checking the balance when you open it online, and the detailed process of the two opening methods is described below

1. Open online (take Agricultural Bank of China as an example).

2. Click "Personal Internet Banking Login" on the left.

3. Enter the personal online banking login interface, click"Self-service registration"。

4. Fill in the real personal information according to the requirements of the self-service registration interface.

5. Click Next, set the user information, and you will successfully open online banking.

2. Bring your bank card and ID card to the local branch of the issuing bank to sign a contract and open online banking. If your bank card has a wealth management function, you can also sign a contract to open the online banking function.

The characteristics of online banking are that customers can access online banking all over the world through the Internet to process transactions as long as they have a password, and the advantages of online banking are reflected in the following points compared with traditional banking business

1) Greatly reduce the operating costs of the bank and effectively improve the profitability of the bank. The establishment of network i two banking business, mainly using public network resources does not need to set up physical branches or business outlets, reduces the use of personnel, and improves the efficiency of the bank's back-office system.

2) There is no time and space limitation, which is conducive to expanding the customer base. Online banking breaks the geographical and time restrictions of traditional banking business, and has the characteristics of 3A, that is, it can provide customers with financial services at any time (anytime), anywhere (anywhere), and in any way (anyhow), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profits**.

3) It is conducive to service innovation and provides customers with a variety of personalized services. The sale of financial products such as insurance, ** and ** through bank outlets is often greatly restricted, mainly due to the difficulty of general business outlets to provide customers with detailed and low-cost information consulting services.