中国工商银行

中国工商银行

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中国工商银行: Your Global Financial Bridge to Smart Banking and Secure Wealth

Seamlessly manage your cross-border finances with China's leading digital bank. Experience AI-powered wealth management, effortless remittances, and state-grade security designed for your global lifestyle.

Download on App Store

Publisher

Industrial and Commercial Bank of China

Category

Finance

Downloads

140M+

User Rating

4.8/5

Total Ratings

5M+

Locales

2

Intelligent Banking Visualized

Discover the interface used by 140M+ users.

Home screen of the ICBC mobile banking app featuring a simplified interface for easy navigation and core banking services

Home screen of the ICBC mobile banking app featuring a simplified interface for easy navigation and core banking services

ICBC mobile banking app wealth management screen displaying the Tian Tian Ying investment portfolio and asset overview

ICBC mobile banking app wealth management screen displaying the Tian Tian Ying investment portfolio and asset overview

ICBC mobile app screenshot displaying details and application conditions for a business support loan with a 300,000 RMB limit

ICBC mobile app screenshot displaying details and application conditions for a business support loan with a 300,000 RMB limit

Screenshot of the ICBC mobile app featuring the Gong Xiao Zhi AI assistant for smart banking services.

Screenshot of the ICBC mobile app featuring the Gong Xiao Zhi AI assistant for smart banking services.

A winter themed gamified rewards screen in the ICBC mobile app for earning iBean points

A winter themed gamified rewards screen in the ICBC mobile app for earning iBean points

Smart Banking for Your Global Lifestyle

The tools that make this app stand out, trusted by 140M+ users.

🌏

Seamless Cross-Border Finance

Effortlessly manage international remittances, tuition payments, and currency exchange with the trust of a global leader.

🤖

AI-Powered Wealth Management

Consult 'Gong Xiao Zhi,' your intelligent financial butler, for personalized investment insights and real-time portfolio tracking.

🛡️

Triple-Shield Security

Bank with peace of mind using hardware-level encryption, NFC protection, and biometric security to safeguard your assets.

Loved by users worldwide

Trusted by 140M+ people who love this app.

"

"As an international student in NYC, managing my finances across borders used to be a headache. The ICBC app's 'Gong Xiaozhi' AI assistant makes it incredibly easy to handle my tuition payments and daily expenses. The simplified interface is exactly what I need to stay organized between classes."

Li Wei
"

"Living in the Silicon Valley while maintaining property and investments in China requires a high level of trust and security. The 'Triple Shield' risk protection and the seamless cross-border wealth management features like 'Tian Tian Ying' give me complete peace of mind for all my high-value transactions."

Dr. Chen

About the app

Everything you need to know about 中国工商银行.

Description

工行手机银行智享+1.0 从心出发 共绘未来 一、智慧服务 加倍随心 工小智:更懂您的金融管家,对话式业务模式、产品获取、问题咨询,让智慧服务如影随形。 简版:业面化繁为简,功能易用如初。 二、财富成长 加倍贴心 财富管理:理财收益全景展现,投资决策更从容;优选产品科学配置,投资轻松驾驭。 天天盈:扩容超过百支,使用场景更丰富,财富管理更加方便。 公益理财:捐赠全部超额收益,获取捐赠证书票据,让爱双向奔赴。 节气存单:每个节气,存一笔心意,陪伴你度过一年四季。 三、惠民消费 加倍省心 智享惠民消费新主张:从消费到融资,省钱省心一站解决。 消费贷款财政贴息更实惠,助商组合贷经营无忧,分期支付无缝衔接,借、查、还、管全流程体验升级。 四、缤纷权益 加倍欢心 智享权益生态新福利:玩转积分兑权益,福利天天有惊喜。 工银i豆查积分、赚奖励、兑好礼,一站式权益中心,零门槛精彩福利。 五、安全守护 加倍放心 智享风险防控新保障:三重盾牌防范风险,资金守护牢固如山。 生物识别与硬件加密双保障,国家网证认证+数字证书升级+NFC芯片级防护。

Latest Version

11.0.1.2.0

Size

467.2 MB

First Released

Mar 25, 2011

Your Trusted Financial Bridge Between the US and China

Join over 140 million users and experience the next generation of smart banking. Secure your global financial future with effortless cross-border transactions, AI-powered wealth management, and state-grade security tailored for your life abroad.

Download on App Store
FAQ

Frequently Asked Questions

Everything you need to know about 中国工商银行

What is Gong Xiaozhi in the 中国工商银行 app?

Gong Xiaozhi is the intelligent financial manager within the 中国工商银行 app. It supports conversational business processing, product acquisition, and problem consultation, providing smart service.

What is Tian Tian Ying in the 中国工商银行 mobile app?

Tian Tian Ying is a wealth management feature in the 中国工商银行 app. It offers over a hundred products for convenient wealth management and flexible usage scenarios.

Is Tian Tian Ying a low-risk investment option within the 中国工商银行 app?

Yes, Tian Tian Ying is classified as an R1 low-risk product within the 中国工商银行 app. It supports quick withdrawals with a daily single product limit of ¥10,000.

What is the maximum loan amount for the Merchant Combination Loan in the 中国工商银行 app?

The Merchant Combination Loan (助商组合贷) in the 中国工商银行 app provides a maximum loan amount of ¥300,000. The longest repayment term for this loan is 3 years.

What security features does the 中国工商银行 mobile app offer?

The 中国工商银行 mobile app ensures security with triple protection. Features include biometric recognition, hardware encryption, national online ID certification, digital certificate upgrades, and NFC chip-level defense.

How can users earn and redeem rewards with ICBC i-Bean in the 中国工商银行 app?

Users of the 中国工商银行 app can earn and redeem rewards through the ICBC i-Bean center. This platform allows checking points, acquiring rewards, and exchanging for various gifts.

Does the 中国工商银行 app offer public welfare wealth management?

Yes, the 中国工商银行 app offers Public Welfare Wealth Management. This option allows users to donate all excess investment profits, receiving donation certificates.

Does the 中国工商银行 app provide a simplified interface?

Yes, the 中国工商银行 app includes a simplified version. This feature streamlines the user interface, making functions easier to access and navigate for enhanced user convenience.

Can I manage all my wealth investments within the 中国工商银行 app?

Yes, the 中国工商银行 app provides comprehensive wealth management. It offers a full overview of investment returns and scientific configuration of preferred products for informed decisions.

What is 'Jieqi Time Deposit' in the 中国工商银行 app?

Jieqi Time Deposit (节气存单) in the 中国工商银行 app allows users to deposit funds according to each traditional solar term. This feature provides a unique way to manage savings throughout the year.