How to adjust the bank’s online bank transfer limit？

2025年5月9日 | admin | D4

In today’s digital financial era, online banking has become an important channel for our daily financial transactions. However, sometimes we may face the limit of online bank transfer and need to adjust it to meet our own fund transaction needs. The following will give you a detailed introduction to the adjustment method of online bank transfer limit.

First of all, different banks may have different ways to adjust the online bank transfer limit, but it can usually be achieved through the following common ways:

1. Self-service adjustment of online banking: Most banks provide the function of adjusting the transfer limit on the online banking side. You can log in to personal online banking, and find the entrance to adjust the transfer limit in the relevant security settings or transfer setting options. Generally speaking, the system will guide you to carry out identity verification, such as entering SMS verification code, dynamic password, etc., to ensure that it is your own operation.

2. Mobile banking adjustment: Some banks’ mobile banking applications also support the adjustment of transfer limit. The operation process is similar to online banking. After logging in to mobile banking, you can find relevant functions in the settings or security center.

3. Go to the bank counter: If you are not familiar with the online operation, or the online channel of the bank can’t meet your adjustment needs, you can go to the bank counter with your valid ID card and bank card and apply to the staff for adjustment of the transfer limit. The staff will assist you with the relevant procedures and make adjustments for you according to your needs and bank regulations.

It should be noted that the bank sets the transfer limit for the sake of ensuring the safety of customers’ funds. When adjusting the transfer limit, you need to comprehensively consider your own capital use needs and risk tolerance. The following is a table comparison of online bank transfer limits and adjustment methods of some common banks for you:

Bank name Default transfer limit Adjustment mode Bank of China 500,000 yuan per day Online banking, mobile banking, counters Industrial and Commercial Bank of China (ICBC) 500,000 yuan in a single transaction, with a daily accumulative total of 2.5 million yuan. Online banking, mobile banking, counters China Construction Bank 5 million yuan a day Online banking, mobile banking, counters agricultural bank Single 1 million yuan, daily cumulative 5 million yuan. Online banking, mobile banking, counters

In addition, different authentication methods will also affect the transfer limit. For example, using security authentication tools such as digital certificate and U shield can usually get a higher transfer limit. When adjusting the transfer limit, the bank may set the corresponding limit range for you according to the authentication method you choose.

In a word, understanding and mastering the adjustment method of online bank transfer limit can make you manage your personal funds more conveniently and efficiently. When making adjustments, be sure to ensure the security of your network environment and protect the personal information and account security.

(Editor in charge: difference extension)

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