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mikekim
Lurker
Joined: Jan 31, 2008
Posts: 21
Status: Offline
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 Posted:
Jan 31, 2008 - 11:54 AM |
 
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| Post subject: A quick banking question. |
At the momment, I'm not in Shanghai to handle my account I have with Bank of CHina.
Can my gf make a deposit on my behalf without the passbook of savings account or atm card?
In the States, for example, I'd fill out a bank deposit slip with the name, date, account number and deposit the funds, pretty simple and quick.
-Mike |
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Beartrap
Barker
Joined: Jan 28, 2008
Posts: 152
Status: Offline
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Jan 31, 2008 - 11:58 AM |
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Yes of course! Just give her the numbers on your ATM card and the account holders name and voila! Deposit made! I often use this method to send rent payments to my landlord. Should work the same for you.... |
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mikekim
Lurker
Joined: Jan 31, 2008
Posts: 21
Status: Offline
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Jan 31, 2008 - 12:05 PM |
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Beartrap you are the KING! Tks for the quick reply.
-Mike |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 12:51 PM |
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she needs to bring along her passport or homecoming document if she doesnt have a local id. |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 02:34 PM |
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| kumlong wrote: |
| she needs to bring along her passport or homecoming document if she doesnt have a local id. |
No need to show ID when depositing into another's account unless the amount is substantial -- something over 50k RMB. |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 03:44 PM |
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i hv deposited money into my frd's account at BOC and also ICBC in small amounts of less than CNY10k and each time they ask me for my passport. the only bank that dont require this is BoComm. This happened to me at least 10 times in BOC and twice at ICBC |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 03:51 PM |
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I deposit money into my accounts at BOC and ICBC frequently without the account book or card and have never been asked for ID. |
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mrpango
Low Seater
Joined: Jan 26, 2007
Posts: 3274
Status: Offline
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Jan 31, 2008 - 03:53 PM |
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Could depend on the person and/or branch!
Fickle Chinese banks.
I have deposited into accounts that aren't mine at Minsheng, just took a previous deposit slip, no ID needed. |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 03:55 PM |
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naturally. that is because you have an account at BOC and ICBC and they have all your details. i dont have an account at those places and not looking or sounding like a local, they would ask me for a id or passport. strangely they wont ask my local colleagues when they deposit into their friend's account |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 03:56 PM |
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ICBC claims that it is a new policy from PBOC |
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mrpango
Low Seater
Joined: Jan 26, 2007
Posts: 3274
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Jan 31, 2008 - 03:58 PM |
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My Australian colleague also deposited in someone else's account at BOC without a passport...
I used to deposit at ICBC into a previous landlord's account using just a deposit slip, no ID required.
They're probably being fickle when you deposit. |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 04:00 PM |
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agree. is your aussie colleague white? normally they dont ask gwai los because of a lack of english capability in explaining why they need the id .... |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 04:08 PM |
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I don't know, but never had a problem. Maybe I'll see when I deposit money next time into my wife's account.
Maybe there is a new rule. |
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mrpango
Low Seater
Joined: Jan 26, 2007
Posts: 3274
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Jan 31, 2008 - 04:08 PM |
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white, yup.
But I have a Chinese face as well.
You may just be a bit unlucky - though its not really much to complain about right? Just a little bit extra inconvenience of having to carry ID |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 04:10 PM |
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yes. not used to carrying id out with me that's all |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 04:10 PM |
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A way around the ID issue should you not feel like showing ID is just go to the ATM machine and transfer from your account to theirs. |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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Jan 31, 2008 - 04:12 PM |
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i only have a ccb account and not many people in SH seems to want to have a ccb account!!! |
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pat_togo
Raver
Joined: Feb 22, 2005
Posts: 403
Location: Pudong & Hongkou, Shanghai
Status: Offline
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Jan 31, 2008 - 04:16 PM |
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If you deposit into an account without the actual passbook or card, it is not actually a deposit but rather considered a transfer (no charges though, if within the same bank). And for foreigners most banks are likely to ask for your passport even for RMB100, I think it applies to Chinese as well.
To deposit into your own account you should not need a passport unless for a huge amount.
If your girl friend has a card from the same bank then it is easier to get it done through the ATM machines or online banking (if she has applied for that). |
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yinlin
Rocker
Joined: Feb 26, 2007
Posts: 643
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Jan 31, 2008 - 04:33 PM |
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can we deposit cash using the machine without anything else besides account number?
Don't verbally abuse me if i was wrong, under |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 04:35 PM |
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| pat_togo wrote: |
| If you deposit into an account without the actual passbook or card, it is not actually a deposit but rather considered a transfer (no charges though, if within the same bank). And for foreigners most banks are likely to ask for your passport even for RMB100, I think it applies to Chinese as well. |
Wrong.
If you notice carefully the Chinese characters on the receipt, it's a deposit.
Few people report being asked for ID. I regularly deposit money into my aiyi's bank account and have never been asked for ID. I also deposit into my own or my wife's without using either the bankbook or ATM card and have never been asked for ID.
There is a rule about checking ID for non-Chinese nationals when depositing into a US$ account, though. Not sure what the limit is. |
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underh20
Shanghai Royalty
Joined: Sep 27, 2006
Posts: 9907
Location: EOA Seminar
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Jan 31, 2008 - 04:38 PM |
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| yinlin wrote: |
can we deposit cash using the machine without anything else besides account number?
Don't verbally abuse me if i was wrong, under |
Yinlin, since you seem to be on your best behavior this afternoon, I will not say anything negative to you.
As long as you have your ATM card, you only need the other individual's account number at the same bank to transfer via ATM.
There are some newer ATMs that permit deposits without having to even insert your ATM card. The Agricultural Bank has some of these ATMs -- actually called cash Depsoit Machines -- that will allow you to make a deposit simply by indicating on the touch screen the account number to deposit to and then insert the cash. This only works, though, for RMB transactions.
P.S. I have also seen these CDMs that allow cardless deposits at another bank, but I can't recall which one. Seems like it could be either CITIC Bank, PuFa or China Merchants. |
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mikekim
Lurker
Joined: Jan 31, 2008
Posts: 21
Status: Offline
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| Posted:
Jan 31, 2008 - 05:05 PM |
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FYI, update for you guys, my gf said she was able to deposit the funds, no problem. I have access to their online banking (http://www.sh.bank-of-china.com/en/), and the amount I told my gf to deposit wasn't over 10,000RMB
Thanks for everyone replies.
-Mike |
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kumlong
LoopKicker
Joined: Oct 18, 2007
Posts: 817
Status: Offline
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| Posted:
Jan 31, 2008 - 05:11 PM |
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pat_togo
Raver
Joined: Feb 22, 2005
Posts: 403
Location: Pudong & Hongkou, Shanghai
Status: Offline
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| Posted:
Jan 31, 2008 - 05:28 PM |
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| underh20 wrote: |
Wrong.
If you notice carefully the Chinese characters on the receipt, it's a deposit.
Few people report being asked for ID. I regularly deposit money into my aiyi's bank account and have never been asked for ID. I also deposit into my own or my wife's without using either the bankbook or ATM card and have never been asked for ID.
There is a rule about checking ID for non-Chinese nationals when depositing into a US$ account, though. Not sure what the limit is. |
Well, the bills I have say clearly 转帐 （transfer) while when you deposit providing the card you will get a 存款 （deposit) bill. |
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mrpango
Low Seater
Joined: Jan 26, 2007
Posts: 3274
Status: Offline
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Jan 31, 2008 - 05:32 PM |
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But I deposit into an account without a card, or passbook, and the slip is still the deposit slip... |
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Well, may as well start a blog http://www.sinocracy.com/ - click at your leisure! |
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