BOCNET Personal Service of Bank of China
Have you ever had the experience of waiting in line for a long time for your turn in the bank or been irritated by missing the profitable opportunities due to no time to attend these? Now, Bank of China personal online banking services will ensure that you get safe, preferential, professional and convenient financial services so that you can have more time with your friends, families and lovers to enjoy the beautiful life.
Bank of China online banking applies three defense lines and nine precautions to ensure the safety of customers' capitals and information.
More Preferential Services:
Safety certificate for free - E-Token, enjoying remittance fee discount for account transfer and remittance, fund purchase and automatic investment, as well as preferential surprise of online payment.
Easier Wealth Management:
Comprehensive and abundant online banking functions, including account enquiry, transfer and remittance, term deposit, self-service payment, credit card, online payment, foreign exchange, gold, fund, securities and futures, book-entry T-bond, wealth management product and other investment services.
More Convenient Operation:
Seven*twenty-four hour service, bilingual interface of Chinese and English, friendly and aesthetic page design, online banking map to assist in learning about full view of online banking, account enquiries without Bank of China e-order (E-Token).
I. Account Management
1. Well understanding of property status: after your Great Wall Debit Card, Great Wall RMB credit card, Bank of China credit card, current all-in-one account, and term all-in-one account are linked with online banking, you could enquire about balance, account information, and transaction details of all linked accounts; besides, online banking will provide personal asset summary report for you to make you comprehensively master your personal asset status.
2. Easy management of your own account: Bank of China online banking will provide transfer among your own linked accounts; adding new term deposit or withdrawing term deposit online, and conducting installment fixed deposit and rollover education savings account. The 7-Day Call Deposits issued by online banking could achieve agreed renewal without getting withdrawal call in advance from the bank outlets, which may assist you in gaining the maximum interest returns. In addition, you could set transfer in scheduled period to realize regular term deposit so that you could achieve term savings and wealth accumulating. In this way, the easy control of your own account is really realized.
3. Easily realizing transfer and remittance: the handling method for online banking transfer and remittance is flexible: real-time transfer, appointing day or period as required, so regularly automatic transfer can be realized. You can easily transfer and remit to others' accounts opened in Bank of China or accounts opened in other domestic banks across the country. If you have opened Bank of China e-message service, the system will send you transaction reminder message after successful real-time transfer, successful or unsuccessful scheduled transfer.
4. Immediately sending message to the receiver: after the submission of transfer and remittance order, the system could send remittance information notice to the payee according to the mobile phone number of the payee and purpose of remittance you set.
II. Investment and Wealth Management
1. Foreign exchange trading: providing four trading modes, including real-time trading, profit-making order, stop-loss order and OCO order; providing 24-hour trading (except for market closed and other non-trading days) of nine currencies, including USD, HKD, GBP, EUR, JPY, CAD, AUD, CHF, and SGD; providing immediate capital settlement and abundant market information to help you seize profitable opportunities at any time; providing enquiry of intraday foreign exchange transaction status and enquiry of foreign exchange trading transaction status within 12 months.
Note: the foreign currencies may vary with the region where online foreign exchange trading is available. Please consult local branches for details.
2. Gold trading: providing four trading modes, including real-time trading, profit-making order, stop-loss order and OCO order; providing RMB and USD for trading, and covering the trading hours of main international gold markets so that investment is available at both day time and night time; providing immediate capital settlement and abundant market information to help you seize profitable opportunities at any time; providing enquiry of intraday gold trading status and enquiry of gold trading transaction status within 12 months.
Note: the gold trading modes may vary with the region where online gold trading is available. Please consult local branches for details.
3. Fund trading: handling on line the account opening of the trading account for open-end fund, fund purchase, immediate subscription, ATP trading, redemption, conversion, change of fund dividend distribution method and other trading; supporting 7*24-hour entry orders and order withdrawal (except ATP trading); providing enquiry of 7*24-hour holdings details, trading and dividend record.
4. The third party custody: providing the following services on line: fund transfer between cash account and margin account of Shanghai and Shenzhen A shares, enquiry of cash account or margin account, historical trading enquiry, and historical balance enquiry of customers' margin which assists you in easily achieving account reconciliation and well mastering fund changes.
5. Bank/securities transfer of B shares: providing online fund transfer between cash account and margin account of B shares and online enquiry of cash account or margin account of B shares.
6. Bank/futures transfer: providing online self-service contract, binding bank settlement account and futures margin account, so as to realize the fund transfer between bank settlement account and futures margin account and enquire the balance and transfer trading information of futures margin account.
7. Book-entry T-bond trading: handling the following businesses on line for T-bond custodian account: registration, opening, writing off, treasury bond subscription, purchase, sale and 7*24-hour trading enquiry.
8. Wealth management product trading: handling the following businesses on line: registration of trading account, purchase and redemption of wealth management products sold by Bank of China, enquiry of trading status, and supporting 7*24-hour service.
III. Self-service Payment
You could pay mobile phone fees, fixed telephone charges, and utility bills (categories of bill payments are different from each region) by online self-service mode.
IV. Credit Card
You could enquire the billing information of credit card for credit card repayment; realize the foreign exchange purchase and repayment among credit cards under your name or RMB balance settlement for foreign currency debt by using the dual-currency credit card; bind the general current account, Great Wall Debit Card or Great Wall RMB credit card to Bank of China credit card and Great Wall RMB credit card for repayment to realize the auto repayment to credit card.
V. Online Payment
1. Automatically opening the online payment: after opening the online payment, you could open online payment service by self-service mode through online banking without going to Bank outlets.
2. Flexibly setting the payment cards: after linking your Great Wall Debit Card, Great Wall RMB credit card and Bank of China credit card with online banking, you could set one or more bank card accounts by yourself for online payment.
3. Easily realizing the online shopping: you could freely shop on many online merchants websites and pay for goods by your bank card for which the online payment function is set.
4. Online enquiry of payment record: the online banking allows you to enquire the trading record of online payment within the last one year to help you manage your shopping bills more easily.
5. E-Token safety certification: when confirming payment, you are required to enter e-token for safety certification to ensure the safety of your capital.
6. Flexible control through SMS alert: when opening the online payment, you could choose to open the free SMS alert service for online payment. After an online payment is completed successfully, the system will send the payment information to you for your control of the online payment information at any time.
VI. Foreign Exchange
You could convert your foreign currencies into RMB or purchase foreign exchange through online banking. Bank of China has made this service available in Guangdong and Shanghai.
VII. Bank of China SMS Alert
Bank of China provides SMS alert service- "Bank of China SMS Alert" for online banking customers. You could customize a series of reminder information as required for learning the latest changes in online banking at any time so as to make online transactions easier and safer. The information that could be customizable includes warning of online banking logon, warning for repeated wrong input of logon password, warning of online banking password change, reminder of retrieving forgotten information; transfer and remittance, SMS alert for successful traded self-service payment and advice of scheduled instruction results.
VIII. Personal Preference
According to your actual demands, you could customize personalized services, including setting personalized name for linked account of online banking, cancelling linked account, setting transaction limit, renewing personal information, setting welcome message, changing online banking password and "Bank of China e-Token".
Note: the online banking functions may vary with the region. Please consult local branches for details.
Application for Registration
Bank of China personal online banking is divided into enquiry version, transaction version and VIP version. The enquiry version could be registered on line or opened at the outlets of Bank of China. To ensure the safety of your account capital, you could only use the enquiry function of online banking after opening the online banking enquiry version. If you need to use all functions of online banking, you need to hold your valid identity document and a Great Wall Debit Card to apply for opening the online banking transaction version at the outlets of Bank of China and claiming the E-token. Customers of Bank of China wealth management, prestigious wealth management and private banking could apply for opening VIP version to enjoy more preferential online banking service price and higher transaction limit. If you need to link your other passbook, debit card and credit card of Bank of China with online banking, you are required to carry them at the same time.