Smart Account is a product designed to meet the specific funds collection needs for corporate customers. It allows customers to quickly set up sub accounts and related information by themselves. The sub-account can be assigned to each payer for independent use. The funds will be automatically transferred to the main account after receiving by sub-accounts, and detailed statements are provided to assist clients to manage the money collection information.

The Smart Account can help customers fully and accurately learn the status on payment counterparties, the capital flow from various branches, and the return of funds from dealers. It is especially suitable for customers who receive payments frequently and need to accurately distinguish payer information.

   ★　Sufficient number of sub-accounts to fully meet customers' needs
The sub-account number consists 19-digit master account number plus 7-digit serial number, which supports opening up to 999,999 number of sub-accounts. The service could assign a sub-account to each different payer and set the name independently, which fully meets the needs of corporate customers who have large funds collection and have to reconcile in time.

   ★　Supporting multi-channel and multi-currency collection
The designated sub-accounts are convenient for payers to make payment and improve funds collection efficiency. Funds are automatically collected in the master account which improve the efficiency of fund utilization and operation management. Payments can be received in eight major currencies including USD, RMB, SGD, EUR, GBP, AUD, JPY, and HKD.

   ★　Centralized reconciliation and comprehensive management
Customers can effectively distinguish payer information. On the basis of ensuring that funds enter into the account book, customers can inquire the detailed list of collections through various channels such as internet banking and counters to learn in time the payment of each payer.