English Chinese translation sample-Remittance Express-Operation Guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
1. At ICBC business office. Use ICBC Elite Club Account Card, Peony Money Link Card, Peony Money Link E-Card , ICBC passbook or cash, together with your valid ID document. If the receiving account is a local account, fill in "F/X Deposit Voucher" and "F/X Withdrawal Voucher" at the designated ICBC F/X business office. Besides, fill in "Telegraphic Transfer Voucher" if the receiving account is in other cities.
　　☆ 操作指南
　　1、营业网点转账汇款。您持工行理财金账户卡、牡丹灵通卡、牡丹灵通卡e时代或工行存折、或现金，并携带本人有效身份证件到营业网点即可办理。在您办理外汇转账汇款时，若收款账户在本地，您还需要在外汇业务网点填写“外汇存款凭证”及“外汇取款凭证”；若收款账户在异地，您还需要填写“电汇凭证”。

2. Remittance through Internet Banking
(1) Single remittance　Flow Chart>> (Chinese Version)
(2) Batch remittance. Remit to many ICBC accounts in the same city by submitting a single batch transfer instruction.　Flow Chart>> (Chinese Version)
3. Remittance through Telephone Banking　Flow Chart>> (Chinese Version)
4. Remittance through Mobile Phone Banking　Flow Chart>> (Chinese Version)
Example of Short Message Format
HK＃9558800200101234567＃9558800200107654321＃赵钱孙＃350＃******
HK＃9558800200107654321＃赵钱孙＃350＃******
　　2、网上银行转账汇款。
　　（1）单笔转账汇款。 查看流程>>
　　（2）批量转账汇款。批量转账汇款是指通过一次提交批量转账指令，完成向同城多个工商银行账户转账汇款。 查看流程>>
　　3、电话银行转账汇款。 查看流程>>
　　4、手机银行转账汇款。 查看流程>>
　　短信格式举例：
　　HK＃9558800200101234567＃9558800200107654321＃赵钱孙＃350＃******
　　HK＃9558800200107654321＃赵钱孙＃350＃******

☆ Helpful Tips
1.No banking charges if receiving account number is in the same area as the card or passbook you used to make remittance. If the receiving account is an inter-city account, the fee of 1% of the remittance will be collected, maximum 50 Yuan, minimum 1 Yuan.
　　☆温馨提示
　　1、如果收款账号与您用以办理汇款的卡或存折在同一地区，我行不收取转账手续费。如果属于异地账户，我行收取1％的手续费，最高50元，最低1元。

2.Note the following rules of State Administration of Foreign Exchange when making F/X remittance.
(1) Receiver's name of F/X remittance must be same as remitter's, or direct relatives of the remitter. If not, you should present document to certify "Receiver is the direct relative of Remitter". "Direct Relative" include "spouse, father (mother) son (daughter)", as follows:
a. Resident Registration Booklet if remitter and receiver are under one Resident Registration Booklet.
b. Notary or documentation from Notary Office or Public Security Office certifying the relationship between remitter and receiver is direct relative.
　　2、 您在办理外汇汇款时请注意外汇管理局以下规定：
　　（1）外汇汇款的收款人姓名必须与汇款人姓名一致、或为汇款人的直系亲属。若收款人姓名与汇款人姓名不一致，需出示“收款人与汇款人为直系亲属关系”的证明文件，“直系亲属”包括“配偶、父（母）子（女）”，证明文件如下：
　　a. 收款人与汇款人同在一个户口簿的，应当出示户口簿
b. 收款人与汇款人不在同一户口簿的，需出示公证部门或派出所等有权机构出具的证明收款人与汇款人确为直系亲属的公证或证明文书

(2) Nature of intra-city F/X receiving account and payment account must be identical, or "Cash account for Cash account", "F/X account for F/X account", that is, "Cash/TT nature before and after transfer remain unchanged"
　　（2）您同城外汇汇款收款账户与付款账户的性质必须一致，即“钞户对钞户，汇户对汇户”，也就是“资金划转前后的钞/汇性质保持不变”。

3. Check carefully the account number and account name of receiver when making remittance at ICBC business office or through Internet Banking. In general, RMB and foreign currency remittance in the same city are credited into account real time. Timely inform receiver to enquire the account after remittance.
4. If the account number of receiver is unknown or no ICBC account opened by the receiver, remittance can be made to any ICBC business office in the area where the receiver located. Usually remittance can be arrived at the ICBC business office you specified on the same day. The receiver collects at the specified ICBC business office with valid ID document (exactly the same as stated during remittance).
　　3、您在营业网点和网上银行办理转账汇款时请注意核对收款人账号和户名。一般情况下，人民币汇款和外币同城转账实时到账。款项汇出后，请您及时通知收款人查收。
　　4、如果您不知道收款人账号，或者收款人没有开立工商银行账户，您可将资金汇至收款人所在地区的工商银行任一营业网点，一般情况下，汇款资金能在当日汇到您所指定的营业网点，收款人可凭本人有效证件（与您汇款时所设置的完全相符），到该营业网点办理取款手续。

5. To operate easily, you can save the frequently-used receiving accounts in Internet Banking "My Account -> Transfer within ICBC->My Receiver" for next time to enquire and use directly.
6. In order to minimize risk, the remittance will be limited if the remitter does not use USB-Shield (Customer Certificate of Personal Internet Banking). See Personal Internet Banking Transaction Rules for details.
　　5、为操作方便，您可将常用的收款账户信息保存至网上银行“我的账户—〉工行机构间转账汇款—〉我的收款人”中，以便下次直接查询使用。
　　6、如果您未申领U盾（个人网上银行客户证书），为降低您的交易风险，使用网上转账汇款，金额将受到限制，具体标准请参见工商银行个人网上银行交易规则。

7. "Transfer/Remittance Enquiry" and "Batch Instruction Enquiry" in Internet Banking only offer enquiry of remittance made through Internet Banking. Enquiry on remittances made through other channels is not available at present.
8. If Internet Banking payer chooses "Receiver is not allowed to check the payment account number of this remittance", the receiver’s enquiry will be restricted if receiving account is a personal account, not restricted if receiving account is a corporate account.
　　7、网上银行“转账汇款查询”和“批量指令查询”功能仅供查询您在网上银行办理的转账汇款的交易信息，暂不能查询通过其他渠道完成的转账汇款业务。
　　8、若网上银行付款人在转账汇款时选择“不允许收款人查询此笔交易的收款账号”，当收款账户为个人账户时，收款人查询收款信息时将看不到付款人的账号信息；当收款账户为对公账户时，收款人查询收款信息时将不受限制。

9. Timely inform receiver to collect by sending short message after successful remittance through Internet Banking.
10. Before making online batch remittance, apply a USB-Shield (personal customer certificate) and download ICBC client Batch Preparation Software to prepare a batch remittance file first.
　　9、网上银行汇款成功后，您可以向收款人发送短信，及时提醒对方查收。
　　10、办理网上批量转账汇款业务，须申请使用U盾（个人客户证书），并下载我行提供的客户端批量制作软件事先编辑好批量转账汇款文件。


11. To remit through Telephone Banking must register under Telephone Banking first and add the card or account of the received into Telephone Banking. To make inter-city remittance through Telephone Banking, add "Inter-Card/Account" into Telephone Banking at ICBC business office. When adding, no need to hold an "Inter-Card/Account". Inter-city account (of yours or others) can only receive remittance, not remitting out.
　　11、使用电话银行转账汇款，您需要注册电话银行，并把要转入的卡或账户添加到电话银行中。使用电话银行异地汇款，您只需在附近的工行营业网点办理电话银行添加“异地卡/账户”即可。电话银行办理添加“异地卡/账户”无需持“异地卡/账户”，异地账户（不论是您本人还是他人的）只能转入，不能转出。

12. To remit through Mobile Phone Banking must register Mobile Phone Banking (Short Message) service first and open authority to make outward transfer through Mobile Phone Banking at ICBC business office. Daily cumulative remittance through Mobile Phone Banking into accounts in other cities cannot over RMB 1,000. Card for remittance can only be the registered card in Mobile Phone Banking. Banking charges will be automatically deducted by ICBC system from remitting account in accordance with PBC fee schedule on personal settlement. If no card number entered for remittance, ICBC will make transfer from the account of payment card implied when registering Mobile Phone Banking (Short Message) service.
　　12、使用手机银行转账汇款，您首先要注册手机银行（短信）服务，并到工行营业网点开通手机银行对外转账权限。使用手机银行，可向异地账户汇款，汇款金额累计每日不得超过1000元。转出卡只能是手机银行的注册卡。异地汇款手续费执行人民银行个人结算收费标准，由系统从汇出账户中自动扣收。如果您不输入转出卡号，银行将从您在注册手机银行（短信）时默认支付卡的账户中转出资金。