Which bank has the best online banking? How much does it cost?

ICBC and CCB are available, and there is no charge for online banking. It is to buy a U shield to ask for money, the original ICBC U shield is 68, now I don't know, CCB I did a 38. Anyway, the Agricultural Bank of China is not good, the one-time payment amount is the lowest, and the ICBC seems to be the highest.

My aunt is from ICBC, and she said that ICBC's U shield is the safest, haha

I have been using CCB's online banking and CMB's. I bought a U shield from CCB, and the security is better. China Merchants Bank's online payment is convenient, but I think the security is average.

1. If you handle the current transfer and remittance in the CCB system, the online banking system of our bank provides 24-hour transfer and remittance services. The arrival time of the transfer and remittance transaction through online banking is: if the transfer transaction is a transfer transaction (the transfer out and transfer in account are the same branch account), our bank will achieve real-time arrival; For remittance transactions (the outgoing and incoming accounts are different branch accounts), if you process between 9 a.m. and 4 p.m., the remittance will arrive in real time; If you do it after 4 p.m., it will arrive the next day.

2. If you apply for inter-bank transfer through online banking, the opening time of the inter-bank transfer trading platform of the People's Bank of China is: 9:00 a.m. to 4:00 p.m. from Monday to Friday

30. It is recommended that you handle inter-bank transfer business during this time period. When handling inter-bank transfer transactions through online banking, our bank will send the transaction information in real time, and our bank will first process the funds transferred out of your account, that is, deduct the funds in your account first, and the arrival time needs to be decided by the other bank. The handling fee for inter-bank transfer is 2 yuan at least and 50 yuan at most.

I don't know how much discount you have for the CCB online banking handling fee, but I have a 5% discount here, which means that the minimum charge is 2 yuan, and the maximum charge is 25 yuan. However, the charges may be adjusted due to different regions, so it is recommended to call the local customer service to confirm.

It depends on whether you like boys and girls, if you like boys, you choose China Construction Bank, and if you like girls, you choose China Merchants Bank.

There is also investment in construction, and the opening of online banking is free of charge.

Internet banking is the most complete and safest, and most of the ** are common - ICBC online banking is the easiest to use, the most traditional, and it is also very convenient to handle big and small things - China Merchants Bank and ICBC itself is very troublesome, and online banking is even more troublesome. There are many procedures, it is not easy to install, and there is nothing to do after use, and it is difficult to do small things. When using a lot of passwords, big and small?

The disadvantage of China Merchants Bank is that it has few outlets. CCB's is very versatile, but it is most suitable for living expenses. (If you're spending online, it's recommended not to mix it with your living expenses account.)

In recent years, the development momentum of the Bank of Communications has been very strong, and opening an account is the most convenient, and the interface is like ICBC, which is also more versatile. The BOC is more traditional, but it doesn't have any outstanding advantages. Agricultural Bank of China does not recommend you to use it.

Postal services are generally not used, and are only used in designated industries (such as in the education system). -r adds: If purely from the point of view of convenience, it is still necessary to count the China Merchants Bank (there is a card itself to open online banking), the interface is also the most concise, and the operation is the easiest.

Security is assured, several of them are large national banks, and the banks themselves pay much more attention to security than us. ICBC's security is superimposed in multiple ways, of course, it is the safest, but it also causes us inconvenience. China Merchants Bank has a different approach to security, he separates the account from the payment, and each account is equipped with a short payment number as a wallet, and the money in the account is not paid out.

Internet banking is a virtual banking counter on the Internet that allows customers to manage current and fixed deposits, cheques, credit cards, personal investments, etc., safely and conveniently without leaving their homes. The first thing to understand is its two modes:

The first is the invisible electronic banking, also known as virtual banking, which is completely dependent on the Internet. The so-called virtual bank refers to the online banking without the actual physical counter as the support, using the Internet and other high-tech services to establish close contact with customers.

The other is to use the Internet to carry out traditional banking transaction services on the basis of existing traditional banks. This is actually an extension of traditional banking services on the Internet, which is the main form of online banking at present, and many of the current online banks in China belong to this model. To find out which bank is easy to use, you need to make a specific comparison.

Business comparison is king.

If you are to buy something on **, you can refer to the **** for the description of the payment limit of each bank card, and consider the convenience of your own capital scheduling (for example, most of the money is deposited in a certain bank, then peer scheduling is more convenient, and there are additional charges for each inter-bank transfer). Of course, you can also choose an Alipay card or a Bank of China** card that has a partnership with Alipay.

In terms of user experience, China Merchants Bank started early, ahead of other banks, and launched some humanized services.

Secure transactions are paramount.

In terms of security, banks with special online banking U shields are relatively safe. Many banks have launched online banking U shields and certificates, such as ICBC will have regular preferential activities for U shield business. Comparatively speaking, the five major state-owned commercial banks have higher security, while the other banks are slightly less secure but more convenient for transactions, and among the state-owned banks, the Agricultural Bank of China has the most complex security measures.

Reasonable charges to consider.

Online banking transactions, like regular remittance and transfer, are more or less subject to handling fees when inter-bank or cross-border transactions, which may seem small, but they cannot be ignored.

The transaction fees of the five major state-owned banks are basically the same, the postal savings are slightly lower, and the commercial banks in other places are lower or even free. Consumers should consider the proportion of their own non-local and inter-bank transactions according to their actual situation, and choose the online banking that suits them as appropriate.