Depositing funds using a bank card is one of the most convenient and widely used methods for funding digital asset accounts. Whether you're new to online trading or expanding your investment options, understanding how to securely and efficiently deposit via bank transfer is essential. This guide walks you through every step—from initiating a deposit to troubleshooting common issues—ensuring a seamless experience.
We’ll cover the full process with clear instructions, highlight key注意事项 (notes), and answer frequently asked questions to help you avoid delays and ensure your funds arrive quickly and safely.
Step-by-Step: How to Deposit Using a Bank Card
Step 1: Access the Asset Center
Begin by logging into your account and navigating to the Asset Center via the main menu. This dashboard gives you full visibility into your balances, transaction history, and funding options.
👉 Learn how to securely manage your digital assets today.
Step 2: Initiate a Deposit
Once in the Asset Center, click on the "Deposit" button. This opens the deposit interface where you can choose from various funding methods, including cryptocurrencies, bank transfers, and third-party payment gateways.
Step 3: Select Bank Transfer Option
Choose "Bank Card Transfer" as your preferred method. If this is your first time using this option, you'll need to bind your bank account. Click on "Click to Bind" and enter the following details:
- Your full bank account number
- The name of your bank (e.g., Agricultural Bank, China Construction Bank)
- Branch information if required
Ensure all details are accurate to prevent failed transactions.
Step 4: Enter Deposit Amount
After binding your card, input the amount you wish to deposit. The system will generate a unique deposit order containing specific recipient information for this transaction only.
Important: The recipient details shown in this guide are for illustrative purposes only. Always use the exact information provided in your generated deposit order. Using outdated or incorrect details may result in failed deposits or fund loss.
Step 5: Complete the Bank Transfer
With your deposit order in hand, log in to your online banking platform or mobile app—whether it’s ICBC, China Merchants Bank, CCB, or ABC—and manually initiate a transfer using the provided recipient details.
Common platforms include:
- CCB Online Banking
- China Merchants Bank Mobile App
- Agricultural Bank of China Mobile Service
Double-check all fields before confirming the transfer, especially:
- Recipient name
- Bank account number
- Transfer amount (must match exactly)
What to Do If Your Deposit Doesn’t Arrive
Delays can happen—but most issues are easily resolved. Below are common scenarios and their solutions.
Bank Transfer Issues
You made the transfer but forgot to fill out the remittance form:
Return to the deposit page and complete the remittance form there. As long as the transferred amount matches the form (integer part), your deposit will be credited—even if decimals differ slightly.
You filled out the form but haven’t transferred yet:
Complete the actual bank transfer as soon as possible. Once done, your funds should reflect within 40 minutes.
The remittance form has expired:
Forms expire 48 hours after creation if no transfer is detected. If you transfer after expiration, simply submit a new remittance form with updated details. Processing time remains under 40 minutes after correction.
You entered incorrect information:
Submit a corrected remittance form and complete the transfer again. Accuracy in both name and account number is critical.
👉 Discover faster ways to fund your account securely.
支付宝 (Alipay) Transfer Issues
Sent money to an old Alipay or bank account:
Transfers to outdated addresses may take 2–3 hours to process while support verifies legitimacy. Always confirm recipient details before sending.
Mismatched Alipay identifiers:
If the remittance form lists a phone number but you paid via an email-linked Alipay account, verification may take longer due to identity mismatch. Processing extends to 2–3 hours in such cases.
Amount discrepancy between form and payment:
Each remittance form corresponds to a single transaction. For example, if you created one 50,000 CNY form but sent five separate 10,000 CNY transfers, you must create five individual forms matching each payment.
Depositing from a Non-Personal Bank Account
Using someone else’s bank account to fund your digital asset wallet violates compliance policies. If the sender’s name does not match your verified identity on file:
- The platform will contact you for clarification
- Funds will be refunded to the original sender’s account within two business days
To avoid delays and maintain security, always use a bank account under your own name that matches your identity verification documents.
Frequently Asked Questions (FAQ)
Q1: Is bank card deposit safe?
Yes—when conducted through verified platforms with up-to-date encryption and two-factor authentication (2FA). Always ensure you’re logged into the official site and never share your login credentials or OTPs.
Q2: How long does a bank transfer deposit take?
Most deposits are credited within 40 minutes after successful transfer and form submission. Delays may occur due to incorrect data, expired forms, or weekend banking lags.
Q3: Can I use any bank in China for deposits?
Major banks like ICBC, CCB, ABC, and China Merchants Bank are fully supported. Some regional banks may face compatibility issues—check with your service provider for confirmation.
Q4: Why does my deposit show as “pending” for hours?
This typically happens if:
- The remittance form wasn’t submitted
- There’s a mismatch in sender name or amount
- The transfer was made after form expiration
Correcting these issues usually resolves the status within an hour.
Q5: Are there deposit limits?
Yes—limits depend on your verification level and regional regulations. Higher-tier accounts enjoy increased limits. You can view your current limit in the Deposit section.
Q6: What if I accidentally sent funds from the wrong account?
Contact customer support immediately with transaction proof (screenshot, reference ID). While refunds are possible, they require manual review and may take up to two business days.
Final Tips for Smooth Transactions
- Always double-check recipient details from your live deposit order—not screenshots or past transactions.
- Avoid splitting one deposit into multiple transfers without corresponding forms.
- Use only personal, verified bank accounts to prevent compliance blocks.
- Keep records of all transfers (transaction IDs, timestamps) for faster support resolution.
👉 Start trading with fast, secure deposits now.
By following these guidelines, you can confidently fund your account using a bank card while minimizing errors and maximizing efficiency. Whether you're depositing for the first time or optimizing your workflow, attention to detail ensures smooth access to digital asset markets.