How to adjust the online banking transaction limit of banks？

2025年5月9日 | admin | C3

Detailed explanation of the adjustment method of online banking transaction limit of banks

In today’s digital financial era, online banking has become one of the important channels for people to handle financial business. However, for the sake of safety and risk control, banks usually set a certain limit for online banking transactions. It is necessary for users to know how to adjust this limit.

Different banks may have different ways to adjust online banking transaction limits, but in general, they can be divided into the following common ways:

1. Online banking self-service adjustment:

Most banks provide the self-service function of online banking. Users can log in to their online banking accounts and find the function of adjusting transaction limit in related settings or security management options. Usually, banks will require users to authenticate themselves, such as entering SMS verification code, dynamic password, etc., to ensure that the account itself is operating.

2. Handling at the bank counter:

Go to the bank’s business outlets and ask the counter staff to adjust the online banking transaction limit. You need to bring your valid ID card and bank card, and the staff will assist you with the relevant procedures.

3. Telephone banking adjustment:

Some banks support adjusting the transaction limit by calling customer service. After dialing the phone, follow the voice prompts, and you may need to enter bank card number, password and other information for identity verification.

The following is a comparison of online banking transaction limit adjustment methods of some common banks:

Bank name Self-help adjustment mode Counter handling requirements Telephone banking adjustment process Bank of China Log in to online banking and enter "Personal Settings"-"Transaction Limit Settings" Carry ID card and bank card. Call customer service and follow the voice prompts. Industrial and Commercial Bank of China (ICBC) "Security Center"-"Payment Limit Management" be the same as the above Call customer service, verify your identity and adjust. China Construction Bank "Security Center"-"Transaction Limit Settings" Carry relevant documents Call customer service and follow the instructions.

It should be noted that when adjusting the online banking transaction limit, the bank will determine the final adjustment range according to your account usage, risk assessment and other factors. At the same time, increasing the trading limit may increase certain risks, so users are advised to make reasonable adjustments according to their actual needs and risk tolerance.

In addition, different types of transactions, such as transfer, payment and shopping payment, may have different limit settings. When adjusting the limit, you should be clear about what kind of trading limit you need to adjust.

In a word, understanding and mastering the adjustment method of online banking transaction limit can better meet personal financial needs and ensure the safe and convenient use of funds.

(Editor in charge: difference extension)

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