Customer can enjoy many types of deposit services in RMB or foreign currency through this function, including current savings deposit in RMB and foreign currency, lump-fixed saving deposit in RMB and foreign currency, RMB installment-fixed savings deposit and RMB education savings deposit. This is a service of 24 hours a day and 7 days a week. Normally, money will be credited into accounts real time. Types of Transfer include: Current To Current Account, Current To Fixed Account and Fixed To Current Account.
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Current-to-Current
Customer can complete the account transfer from current to current account in registered Quasi Credit Card, Credit Card, Elite Club card, Money Link Card, E-age Card of Internet Banking, and between the current accounts of the above cards as well.
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Current-to-Fixed
Customer can complete the account transfer from current to fixed account in registered Elite Club card, Money Link Card, E-age Card of Internet Banking. Types of fixed savings can be opened are: one month lump-fixed (foreign currency), three months lump-fixed, six months lump-fixed, one year lump-fixed, two years lump-fixed, three years lump-fixed, five years lump-fixed, installment-fixed renewal, education savings renewal, one year renewal & interest withdrawal, three years renewal & interest withdrawal, five years renewal & interest withdrawal. Open and link fixed all-in-one account, installment fixed, and education savings accounts under registered cards of Internet Banking at ICBC Business Offices before making transfer to them. Enquire the details of new fixed all-in-one sub-account and fixed CD without passbook in "My Account – Account Enquiry – Account Information Enquiry" before transfer from the new fixed account to fixed all-in-one account in Money Link Card, Elite Club card account or E-age Card.
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Fixed-to-Current
Customer can complete the account transfer from fixed to current account in registered Elite Club card, Money Link Card, E-age Card of Internet Banking. If the fixed deposit is withdrawn in advance, the interest will be calculated according to the interest rate of current deposit.Elite Club customer can make transfer from one day call deposit (RMB) and seven days call deposit.
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Special Note:
1. RMB current saving started with 1 Yuan at least. Foreign currency savings started with 20 Yuan or equivalent foreign exchange at least. Fixed deposit started with 5 Yuan at least. Education deposit started with 50 Yuan at least.Principal of every account is 20,000 Yuan at most. Foreign currency fixed savings started with 50 Yuan or equivalent foreign exchange at least.
2. Education deposit enjoys preferential interest rate and no personal interest income tax is levied. Carry your student ID to ICBC Business Offices to withdraw your money on the maturity date of the deposit.
3. Customer of installment-fixed and education savings should deposit a fixed amount monthly. Customer failed once in the period could deposit enough amount next month. If customer failed twice or above, he/she will be treated as breaching the contract. Interest of the amount deposited after breach of contract will be calculated according to the rate of current deposit. Please go to ICBC Business Office to apply for the service.
4. Fixed all-in-one account is a comprehensive, multi-currency, lump-fixed savings account that ICBC offer to customer. Customer could deposit several fixed deposits in RMB or foreign currency into the account.
5. According to relevant PBC Regulations, ICBC pay interest monthly on 30 days for fixed savings deposit, The 30th and 31st is treated as the same day in a month. When withdraw money on the 31st but interest due on 30th, no extra due day is counted. The same is true for withdrawal in advance. If deposit on the 30th, no interest will be calculated when withdraw on the 31st. If deposit on the 28th, interest of 3 days will be calculated when withdraw on the 1st of March. |
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