Online Banking
“Online Banking” is a 24 hour, safe, convenient and speedy online financing service provided by SPDB. You can easily enjoy the services such as account management, investment financing, online payment, information sharing remaining indoors through the finance ID - “Banking ID”.
Functions:
Account summary：
With the advanced “Banking ID” account management mode, SPDB provides every customer with a finance ID. After login online banking and selecting “Account summary”, you will have a panoramic view of deposit, credit card, points etc.
Deposit and withdrawal:
SPDB compiles elaborately personal balance sheet and cash flow statement for you, which helps you to understand the structure and distribution of income and expenses, as well as recall the details of income and expenses, so that you can mange your daily income and expenses orderly.
Automatic deposit:
You can define the reserved amount of current deposit in your card by your self through online banking. When current deposit in your card exceeds the preset reserved amount, our bank will automatically transfer the exceeded part to time deposit, and will calculate the corresponding interest as per the time deposit term preset by yourself.
Notice deposit:
One-day notice deposit: The interest of one-day notice deposit is 1.5 times of current deposit in same period. When withdrawing, you need to make requirement for “withdrawal” to the bank one day in advance. The bank will automatically transfer the fund into your account one day after your application.
Seven-day notice deposit: The interest of seven-day notice deposit is 2.25 time of current deposit in same period. When withdrawing, you need to make requirement for “withdrawal” to the bank seven days in advance. The bank will automatically transfer the fund into your account seven days after your application.
Remittance (Easy Remittance)
“Easy Remittance” of SPDB leisure banking – Six remittance modes (Intrabank remittance, Interbank remittance, EMAIL remittance, E courtesy remittance, Automatic remittance, Postal remittance) enable remittance to extend in all directions; you can make remittance at any time any where with multi-channel remittance.
EMAIL remittance:
E-mail remittance can transact remittance business without account No. If you are the remitter and choose to make E-mail remittance, you only need to know Email address or mobile phone No. of the payee, but not necessary to memorize receipts account No. and account opening bank. If you are the payee, choosing E-mail remittance not only can prevent your own account information from been revealing, but you can also choose freely the receipt mode. Your account No. has already been bound to E-mail address or mobile phone No., so that your remittance will be directly entered into your account; even if you have not set bounding relations, you can collect remittance through SPDB online banking or withdraw cash from SPDB network.
SPDB Automatic remittance will periodically remit to your designated payee account as per your preset automatic remittance rules. You can inquire or cancel the preset automatic remittance rules at any time.
How to apply?
You only need to take your own ID certificate and Leisure Banking Card to SPDB network, and reserve mobile phone No. to sign and open Personal online banking.
Customer shall visit ebank.spdb.com.cn before first time using Personal online banking. Click “First login” and complete operating steps such as signing service agreement, verification of dynamic password and verification of transaction password, to ensure the safety of customer. Users of digital certificate shall also complete the download and installation of digital certificate during the process.