Article 1 Any customer who has opened a Great Wall Debit Card, Centralized Credit Card, Quasi-Credit Card and passbook account (Ordinary Demand Account, All-In-One Demand Account and All-In-One Time Account) may register for mobile banking services with any business outlet of Bank of China Limited (BOC) or self online registration for mobile banking services by mobile. Any user of mobile banking services shall pursuant to the Rules to conduct mobile banking businesses.
Article 2 The mobile banking services of BOC have three versions: Inquiry Version, Wealthy-management Version and VIP Version. Inquiry Version only provides account inquiry service without functions of transfer, remittance, investment and payment. Wealthy-management Version and VIP Version offer its customers with the following service functions: account inquiry, account transfer, initiative collection, personal-to-corporate transfer, credit card, foreign exchange transaction, treasury bond transaction, fund transaction, Account precious metals, Long/Short Forex, B shares and third party custody, bank-futures account transfer，BOC Wealth Management Plan, Individual settlement, Management into personal loans, Interim loss reporting of debit card, Mobile-payment, and self-service linked account. BOC will provide different services according to the service mode and authentication mode applied by clients. BOC will continue to meet the changing needs of financial services required by client through product upgrading and providing different services.
If the client has opened online banking of BOC before application for mobile banking services, the service version used by mobile banking will be consistent with that of online banking; where the online banking is the inquiry version, the mobile banking will be the inquiry version; where the online banking is the wealth management version, the mobile banking will be the wealth management version; where the online banking is the VIP version, the mobile banking will be in VIP Version, and vice versa.
Article 3 BOC mobile banking has WAP version (including simple and fancy versions) and client version. There are two types of client version: “standard version” and “value-added version”. Standard client version includes all financial operations of BOC mobile banking, while value-added client version has other value-added services as e-map, mobile securities with which you can check stock market quotation and buy and sell stocks. Client BOC mobile banking supports such mobile operating systems as Symbian v3, Symbian v5, Android, iPhone iOS 、iPad iOS?and?Windows Phone 7. Users of iPhone, iPad and mainstream phones such as Nokia, Samsung and Sony Ericsson can download BOC mobile banking client software to get services including self-service registration, account inquiry, transfer & remittance, loan inquiry, investment & wealth management, credit card, bill payment, collection, bank-futures transfer, E-payment and personal setting. Customers using the client version can enjoy unique operations with local features. Other users of mobile phones with access to WAP websites can get such services through BOC mobile banking WAP version after opening BOC mobile banking service.
Article 4 BOC provides 24-hour mobile banking services, while the specific services should be conducted within the period of operational time of the corresponding system.
Article 5 Customers of wealth management version and VIP version of BOC mobile banking service can only use functions such as transfer & remittance and payment with authentication tools. All transactions made by using a customer’s user ID for BOC mobile banking (including logon with mobile phone number transparent transmission), logon password or authentication tools shall be deemed as done by that customer. When you are enjoying BOC mobile banking service, inquiry and withdrawal passwords of all your linked accounts shall be replaced by your user ID for BOC mobile banking service (including logon with mobile phone number transparent transmission), logon password and authentication tools. Clients using mobile banking services of BOC should note the following when initially using mobile banking:
(1) Where the clients opens mobile banking through registration at counter, the 6-digit password set at counter for registration must be changed. It is suggested that the password set have some safety level (8-20 digital password that contains numbers and letters). Clients may change the password by their own in mobile banking setting functions according to their needs or the Safety Instructions.
(2) You can log in BOC mobile banking service with your mobile phone number or user ID set by yourself. For logon with mobile phone number, as many as three numbers can be bond with your BOC mobile banking service. You can apply for changing your mobile phone numbers for BOC mobile banking service at the counter. You may open the function of mobile logon with user ID via the counter, online banking or mobile banking. Logon user IDs of BOC mobile banking and online banking may or may not be the same. Before self-service opening BOC mobile banking, changing mobile phone number, opening/closing logon with user ID and adding/deleting mobile phone number for logon, please read over the Instructions on Personal BOC Mobile Banking Service. If you accept all the provisions in the Instructions, please sign a service agreement to open BOC mobile banking service after having authenticated the information of your identity certificate, mobile banking password of registered cards/ accounts, SMS code, and e-Token. Please keep safe and not provide or reveal to others important information such as your mobile phone number, user ID, logon password, e-Token and SMS code.
(3) For clients that open online banking services of BOC, the reserved message for login of mobile banking is the reserved welcome information for online bank. Clients should timely confirm whether the reserved message for mobile banking is consistent with that for online banking to ensure login of the WAP site of BOC correctly. If the client still does not open online banking service, he/she should set the reserved welcome information through “personal setting” menu.
(4) Clients may test the connectivity, functionality, applicability and Chinese code of the mobile phone through the compatibility testing on the login page of mobile banking to ensure that the mobile phone of the client has reached basic requirement or best results for using mobile banking. For the problems met in compatibility testing, please consult mobile network operator or mobile phone manufacturer, or call customer service hotline of BOC for consultation.
Article 6 If the client has opened online banking services, the online banking account will automatically become the associated mobile banking account; client can login online banking of BOC to cancel the relationship between the account and mobile banking. Where the association account is canceled in mobile banking or online bank, the association with the other channel will also be cancelled.
Article 7 When trying to logon to BOC mobile banking with mobile phone number transparent transmission, please enter your password. When trying to logon with user ID, please enter user ID, password and Captcha.
Article 8 The mobile banking authentication tool used by personal client shall be the same with that used by him/her for online bank. (i.e. online banking and mobile banking share the same BOC E-TOKEN).
Article 9 Client using mobile banking services of BOC should ensure the security and confidentiality of the password and authentication tools used by him/her. Clients should note the following matters, including but not limited to:
(1) Not expressly write down the password or by other means disclose the password;
(2) Not disclose to anyone including employees of BOC the password (our employees are not able to and do not need to know password of clients when providing mobile banking services);
(3) After initial use of online banking service, immediately destruct the records of the password;
(4) Avoid the password that may be easily guessed and cracked by others (e.g., using birth date, telephone number and other personal information or number or letter combinations with regularity;) or password associated with third parties (such as the use of e-mail password);
(5) Not keep the password in any software that automatically record password (such as prompt window of "Save Password" function appears on the screen of mobile phone, or similar functions in WAP browser);
(6) Regularly or irregularly change password, and avoid the alternative use of two passwords;
(7) Avoid transmission of mobile banking password through short message or email; and
(8) Please use the original WAP browser purchased along with mobile phone to visit mobile banking and not use browser software with unknown source to access mobile banking.
(9) Please don’t reveal your e-Token to anybody.
(10) Please don’t listen to or believe any call, SMS and online transactions information from strangers, or transfer or make remittance accordingly. If you have any suspicion, please dial 110 for consultation, report it or call the police, to prevent deception.
(11) Please check carefully such important information as payee name, payee account, mobile phone number, payment amount and payment currency in the payment order got via BOC mobile banking. If none of them is wrong, you may make payment then.
Article 10 Where a customer enters wrong username, passwords, for 5 consecutive times a day, BOC will temporarily lock up this mobile banking customer account and BOC will unlock the customer account automatically the next day or the customer shall present his/her valid identity certificate to a counter of their opening bank on the day. Where a customer fails to authenticate the username or password for 15 consecutive times accumulatively, Bank of China will officially lock up this mobile banking customer, and the customer shall unlock the mobile banking customer account by presenting his/her valid identity certificate and any associated mobile bank account to a counter of their opening bank. When the transaction qualification of online banking is suspended, you can still make counter operations as usual.
Where a customer enters wrong e-Token dynamic password for 5 consecutive times a day, BOC will temporarily lock up this safety authentication tool and BOC will unlock the tool automatically the next day or the customer shall unlock the tool by presenting his/her valid identity certificate to a counter of their opening bank on the day. Where a customer fails to authenticate the e-Token dynamic password for 15 consecutive times accumulatively, Bank of China will officially lock up this safety authentication tool, and the customer shall unlock the safety authentication tool by presenting his/her valid identity certificate and the locked tool to a counter of their opening bank.
Article 11 The system sets different limits for different client identification methods. Clients can set limits lower than those set by the system through the service setting function of mobile banking. The current uniform limits (RMB) are as follows:
| Wealthy-management Version Service Scope and Transaction Limits |
| Transaction |
Safety Authentication tool |
Upper limit of a single transaction |
Accumulative amount per day |
| Remittance and account transfer among linked accounts |
e-Token |
RMB 5,000,000 |
RMB 50,000,000 |
| Transfer to non-linked accounts opened with BOC |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Non-linked credit card payment |
e-Token |
RMB 100,000 |
| Initiative collection |
e-Token |
RMB 100,000 |
| Personal-to-corporate transfer |
e-Token |
RMB 100,000 |
| Transfer through mobile phone number |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Transfer to accounts opened with the other bank |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Personal time deposit |
e-Token |
RMB 5,000,000 |
RMB 5,000,000 |
| Fee payment service |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Foreign exchange transaction |
e-Token |
RMB 10,000,000 |
- |
| Account precious metals |
e-Token |
RMB 10,000,000 |
- |
| Fund transaction |
e-Token |
RMB 10,000,000 |
- |
| Trade of book-entry treasure bonds |
e-Token |
RMB 10,000,000 |
- |
| Third party custody |
e-Token |
RMB 10,000,000 |
- |
| Bank securities fund transaction for B shares |
e-Token |
RMB 10,000,000 |
- |
| Bank-futures account transfer |
e-Token |
RMB 5,000,000 |
RMB 5,000,000 |
| Mobile payment |
e-Token |
RMB 5,000 |
RMB 5,000 |
| BOC Wealth Management Plan |
e-Token |
RMB 1,000,000 | - |
| VIP Version Service Scope and Transaction Limits |
| Transaction |
Safety Authentication tool |
Upper limit of a single transaction |
Accumulative amount per day |
| Remittance and account transfer among linked accounts |
e-Token |
RMB 100,000,000 |
RMB 100,000,000 |
| Transfer to non-linked accounts opened with BOC |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Non-linked credit card payment |
e-Token |
RMB 100,000 |
| Initiative collection |
e-Token |
RMB 100,000 |
| Personal-to-corporate transfer |
e-Token |
RMB 100,000 |
| Transfer through mobile phone number |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Transfer to accounts opened with the other bank |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Personal time deposit |
e-Token |
RMB 100,000,000 |
RMB 100,000,000 |
| Fee payment service |
e-Token |
RMB 100,000 |
RMB 100,000 |
| Foreign exchange transaction |
e-Token |
RMB 50,000,000 |
- |
| Account precious metals |
e-Token |
RMB 50,000,000 |
- |
| Fund transaction |
e-Token |
RMB 50,000,000 |
- |
| Trade of book-entry treasure bonds |
e-Token |
RMB 50,000,000 |
- |
| Third party custody |
e-Token |
RMB 50,000,000 |
- |
| Bank securities fund transaction for B shares |
e-Token |
RMB 50,000,000 |
- |
| Bank-futures account transfer |
e-Token |
RMB 50,000,000 |
RMB 50,000,000 |
| Mobile payment |
e-Token |
RMB 5,000 |
RMB 5,000 |
| BOC Wealth Management Plan |
e-Token |
RMB 5,000,000 | - |
Notes:
1. Transfer-out upper limit for the Great Wall Credit Card is controlled by the limit of the issuing system. Currently the upper limit for transfer-out of a single transaction or total amount of a single day should be RMB 5,000,000.
2. Mobile payment limit will be set based on different types of contractors and card (debit card, Great Wall card, and BOC card, etc.) under the above limits respectively. Details are subject to the announcement of contractors.
3. Limit of related agency charging transaction will be set based on different types of agency charging services provided by branches under the above limits respectively. For details please refer to the announcement of branches or presented by the system.
4.After logging on to BOC mobile banking with mobile phone number transparent transmission, you can use functions as directional transfer and non-directional transfer which includes transfer & remittance within BOC accounts, domestic cross-bank remittance, repayment of non-linked credit cards and transfer with mobile phone number. If you need to make large amount transfer via BOC mobile banking, please apply for directional payee service at BOC outlets and use large amount directional transfer services such as directional transfer & remittance within BOC accounts, domestic cross-bank directional remittance, and directional repayment of non-linked credit cards. For further information, please contact BOC wealth management manager or outlets. When logging on to BOC mobile banking with user ID, you only have access to directional transfer.
Article 12 The clients shall ensure to login the correct mobile banking website of BOC (http://wap.boc.cn), and as far as possible directly enter the website and avoid indirect visit of WAP sites of mobile banking of BOC by e-mail or other hyperlinks. BOC provides reserved information authentication service for clients to help clients to indentify false websites. It is suggested that clients timely set and check reserved information when initially using mobile banking and not disclose reserved information to other people, other website or in inquiries by telephone or short message except handling business in BOC.
Article 13 Clients of mobile banking services of BOC shall pay related service expenses according to the charging standards formulated by BOC. Except as otherwise provided for, the mobile banking annual fee and other expenses will be deducted from the registered account for mobile banking and the funds to be remitted and transferred shall be deducted from the transfer-out account.
Article 14 Clients should open services at counters if they intend to apply for investment functions such as foreign exchange, third party custody services. While operating foreign exchange transactions or using third party custody functions, clients should obey the trading rules and operational guides made by supervisory authorities on foreign exchange trading and securities trading, and sign a supplement agreement with mobile banking of BOC and complete dynamic password confirmation at the first use of the trading services.
Article 15 Before upgrading the services of website or mobile banking services, BOC will issue announcement in advance. Please pay attention to such announcements. Where a suspension of service is required by service upgrading or any failure of mobile banking services occur due to abnormal factors including force majeure, please use other service channels of BOC such as counter services, online banking or telephone bank.
Article 16 To comply with the state law and regulations, BOC will update the Rules periodically according to the development of business and technologies. BOC will announce in advance by appropriate means (e.g. e-banking channels, SMS etc.). Please read the Rules frequently. If a customer continues to use the BOC mobile banking service, it is deemed that the customer accepts the rules.
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