• Safe and Reliable

The Professional Edition adopts the mature X.509 digital certification standard. Certified by the State Safety Authority, the system’s powerful digital signature and encryption technologies ensure customers’ identities and passwords remain safe.

• Powerful

You can use the Professional edition to manage all of your CMB bank cards. The system provides fund management functions through a broad range of customizable online banking services to fully meet your needs.

• Convenient and Fast

CMB’s 24/7 online services allow you to transcend time and space: Simply turn on your computer to access your account information in full. To guarantee fast and easy transfers - especially for online shopping - you don’t even need to designate an account in advance for remittances.

• Easy Installation

The Professional Edition features an intelligent software installation wizard. After applying for the online banking service at any branch, visit our website, click Logon Professional Edition under “Internet Banking”, and then follow the prompts.

• Rich Information Sources

To help you fully understand each function, the Professional Edition provides a user's guide, help information, and descriptions and demo programs for each function. It also updates you with interest and foreign exchange rates, enabling you to more effectively manage your finances.

1. Certificate Management Functions:

2. System Administration Functions:

3. Banking Service Functions:

• Payment Scheduling

Set direct debits for automatic execution.

• Agenda Reminder

Set reminders for different tasks; for example, business activities and creditor's rights or liabilities. The system emails you reminders at the specified time.

• Financial Analysis

Customize financial statements to meet your needs. The system automatically collects the income and expenditure information relating to all of your CMB accounts, analyzes your financial status, and enables you to add information from other banks for holistic financial analysis.

• Customized Services

Customize your own express channel, and create your own web page to manage your funds more easily and efficiently. The system provides customized information based on your account and securities portfolios.

• Account Information Inquiry Service

Check your accounts: includes statements, transactions, online payments, and your Online Payment Card number.

• Transfer, Remittance, Fee payment Services

Transfer funds between current savings and fixed deposit accounts; conduct inter-city, intra-city, batch, and Internet Payment Card transfers; check your transfer records; edit beneficiary information; make payments with your All-in-one card; and apply for All-in-one card functions (includes the Internet Payment Card; All-in-one card online payments, card fee payments, transfers and remittances; forex trading; and Shenzhouxing mobile phone top-ups).

• Report a Lost Card and Change your Password Report the loss of your All-in-one card; change your All-in-one-card inquiry password, ATM pin, and Internet Payment Card password

• Self-service Loan Application Services Apply for a loan, extend a loan’s term, change loan type, inquire about loan and credit products, manage repayments.

• Internet payment Service Pay for online purchases; set payment limits.

• Foreign Exchange Trade Services

Check forex rates, set exchange rates, transfer to and from your trading account, order/revoke a trade transaction, convert between fixed and current deposits, check your account balance and transaction records.

• Government Bond Investments

Check available information, purchase government bonds, cash-in bonds in advance.

• Securities Services

Transfer between bank and securities company accounts; Bank-Securities Express

4. Other Functions:

• Certificate Activation

Activate your certificate online after application approval from any CMB branch.

• Certificate Restoration

Restore the original certificate

• User Deletion

Uninstall Personal Internet Banking Professional Edition

• Configure Telecommunications

Configure parameters for telephone banking

• System Detection

Detect system installation status, user information, and telecom status.

• Target Customers: CMB account holders

• Requirements for PCs: Windows 98 or a later Windows OS version; IE 5.0 or later with Internet access.

• Application Channel: CMB Branch

• Service Channel: Internet

Present your ID and bankcard to CMB staff at any branch. Complete the China Merchants Bank Personal Internet Banking Service Application Form

• You will receive an authorization code for the Professional Edition. Then, follow the procedure in the User's Guide.