First press the 'settings' button at the top right of your home screen, then your personal details can be changed in the ‘Profile Details’ tab which you will find in the settings menu. Any details which can be changed are labelled with a 'pen' icon, and to change the other details, please contact us for assistance.

请先按主屏幕右上角的"设置"按钮。然后您可以在设置中的“个人信息”选项栏中更改个人信息。任何可更改的资料均以“笔”图标标示。如需更改其他资料，请与我们联络。

You can create an in1JointAccount as a new or existing customer. Simply go into the ‘Apply for a new account’ button from your main dashboard and select in1JointAccount. Once you have finished submitting the application, your partner will be sent an email link to join in your application.

无论您是一名合壹银行的新客户还是现有客户，您都可以申请一个合壹联名账户。您只需点击主页面上的‘申请新账户’按钮，然后选择‘合壹联名账户’。一旦您完成了申请程序，您的账户搭档将收到一封电子邮件链接，以加入您的申请。

Passwords can be reset by following the 'Forgotten Password' flow when you are logging in, or changed in the settings You will also be able to change your PIN in the ‘Security’ tab of the ‘Settings’ menu. If you are having any issues or difficulties completing this process, please contact us for assistance.

您可以在登录时通过“忘记密码”来重置您的密码。您也可以在设置中的“安全设置”选项栏更改您的密码。如果您有任何问题或困难完成这一过程，请联系我们寻求帮助。

When you first log on to a new device or when you onboard to in1App, you will be asked to enable your device-native biometrics suite. If you disabled it in this process, you could turn this back on in the 'security' tab of your settings page. You can also disable your biometrics here if you wish to do so.

当您第一次在新的设备登录您的账户或在合壹银行APP开户时，我们会提醒您启用您设备本机的生物识别套件（包括面部或指纹识别）。如果您在这个过程中禁用了它，您可以在设置中的“安全设置”选项栏重新启用或禁用您的手机本机的生物识别功能。

Please contact us directly if your registered device was stolen or if you believe that your account has been compromised.

如果您的注册装置被盗，或者您认为您的账户资料已被泄露，请直接联系我们。

You can have up to 3 devices registered on your account at any one time, and 1 account must be set as the primary account which you will receive your notification on. You will be prompted to deregister any excess devices when you log onto a new device with your in1App. Otherwise, you could check your device registration in the 'settings' of your in1App. If you identify any suspicious devices, please remove them immediately and contact us if this is a concern.

您可以同时在3台装置上注册您的账户，并必须设置一个设置为您将收取通知的主要装置。当您使用新装置登录合壹银行APP时，系统会提示您注销任何多余的设备。否则，您可以在合壹银行APP的设置中的”安全设置“选项检查您的设备注册。如果您发现任何可疑的装置在您的账户上注册，请立即移除，如果有问题请联系我们。

You can lock your account in the settings screen under the ‘Security’ tab. There, you will see the toggle for ‘Lock Account Temporarily’ which you can turn on to lock the account. Once locked, please note that payments in and out will not be allowed and all pending transactions will be suspended for this account. However, you will still be able to view and access your account from your in1App.

您可以在设置中的“安全设置”选项栏锁定您的帐户。请注意，一旦账户被锁定支付和收款功能将被封锁，所有这个帐户待处理的交易也将会被暂停。然而，您仍然可以从您的合壹银行APP中查看您的账户。

You can change your notifications settings in the settings screen under the ‘Notification Preferences’ tab.

您可以在设置中的"通知设置"选项栏更改通知设置。

You can change your display language in the settings screen under the ‘language’ tab. Alternatively, you can do it on the loading screen when you first open the app before you sign on.

您可以在设置中的""语言设置""选项栏更改通知语言设置。您也可以在第一次打开应用程序登录前改变您的语言设置。

in1bank's 'Pay Anyone' function can be used to pay any Australian bank accounts both within in1bank or at other banks. To make a 'Pay Anyone' transaction, you can start by paying an existing saved payee in the list or by pressing the '+' button at the top right of your screen.

合壹银行的支付功能可以用于支付合壹银行或其他澳大利亚银行的账户。您可以通过选择支付列表中已储存的收款人，或按屏幕右上角的“+”按钮来进行支付。

Typically, a transaction to another financial institution should occur after 1 working day. As such, if a transaction was sent out on Friday, the funds may not arrive in the receiving bank account until the Monday or Tuesday of the following week. If it doesn't arrive after a week, please feel free to contact us so we may assist you. Otherwise introduce our in1Account to your friends to take advantage of our instant payment transactions.

您对另一个金融机构的支付通常在一个工作日之后完成。因此，如果交易是在周五发出的，资金有可能要到下一周的周一或周二才能到达收款银行账户。如果收款人过了一周后还没到，请随时联系我们来为您提供帮助。请向您的朋友介绍使用我们的合壹账户让您们就可以进行即刻付款。

To schedule payments, press the 'Now' option to change the settings away from transacting immediately to 'later' for a once off future payment or one of the other frequency settings for other types of recurrent payments. To help you plan your finances, once you have set a payment, this can be viewed and removed at the in1Account, in1JointAccount, or in1BizAccount screens under the 'scheduled payments' section.

请先按“现在”并选择设定未来付款或将其他类型的经常性付款的频率设定以安排定期付款。为了帮助您规划您的财务，一旦您设置了一项定期付款，您可以在合壹账户、合壹联名账户或合壹商业账户的“定期付款”上查看和删除您的所有定期付款。

in1bank does not provide its own card payments at this stage. You can continue to use your existing cards or use our affiliate Wise prepaid card with multicurrency capabilities for your card payment needs.

合壹银行目前不提供自己的借记卡支付渠道。您可以继续使用您现有的卡，或者使用我们具备多币种支付功能的Wise合作预付卡来满足您的卡支付需求。

If you don’t have enough money to complete a scheduled transaction, the payment will not be made. To better plan your finances, you can see all your scheduled payments in the scheduled payments tab in your in1Account, in1JointAccount or in1BizAccount dashboard, this may assist you to ensure there are sufficient funds in your accountin1Account in advance.

如果您的账户没有足够的资金来完成预定的定期付款，您的支付将不会被完成。为了更好地规划您的财务，您可以在您的合壹账户、合壹联名账户或合壹商业账户的主屏幕的定期付款选项栏中看到您所有的定期付款，这可以帮助您提前确保您的账户中有足够的资金完成即将到期的支付

Currently, the external transfer limit is up to $20,000 daily across all your transactions accumulatively. If you need this increased, please contact us so we may help you increase this.

目前，您所有交易累积的对外支付限额为每天20,000澳元。如果您需要增加这个限额，请联系我们，我们可以帮助您增加。

With our in1Account and in1JointAccount, not only you are entitled to this Base Rate, but you will also be entitled to further rewards for saving more with us. Click here for more information.

通过我们的合壹账户或合壹联名账户，您不仅可以享受这个基本利率，而且如果您在我们这里存更多的钱，您还可以获得更多的奖励。点击这里了解更多信息。

To fund your accounts, simply look up your bank account details under the 'Account Tab' of your in1Account, in1JointAccount or in1BizAccount, and you can transfer your existing funds or salary payments to this account. If your friends or family are also in1Bank customers, they can transfer funds instantly to you via an in1Bank QR Pay by scanning your QR code. Simply press 'Receive' on the in1App home screen to present them with your QR code.

如要您需要向您的账户转钱，您只需在您的合壹账户、合壹联名账户或合壹商业账户页面的“账户”栏下查看您的银行账户信息。您可以通过这个账户信息把您的资金或工资款项转入您的合壹账户。如果您的朋友或家人也是合壹银行的客户，他们可以通过二维码支付扫描您的二维码立即为您转账。您只需在合壹银行APP主屏幕上按下“收钱”键来为他人展示您的二维码。

If you would like more certainty on your interest rates, you may be interested in our fixed rate in1Deposits.

如果您想锁定一个固定的利率的话，您可以考虑我们的合壹定存账户。

Your bank Statements can be found under the 'Account tab' of the in1Account, in1JointAccount and in1BizAccount.

您的银行对账单可在合壹账户、合壹联名账户和合壹商业账户的“账户”栏下找到。

At in1Bank, you can search your past transactions easily. Simply go to the 'Search Transaction History' search bar in your in1Account, in1JointAccount and in1BizAccount and start typing to search your transaction history. If you can't find what you’re looking for, you can use the 'Advanced Search' function to use other metrics to search your transaction history, including: transaction value, transaction categories, date ranges.

在合壹银行，您可以轻松查询您过去的交易记录。您只需进入合壹银行APP中合壹账户、合壹联名账户和合壹商业账户的搜索栏，并开始输入以搜索交易历史。如果您找不到您要找的东西，您可以使用“高级搜索”功能使用其他指标来搜索您的交易历史记录，包括:交易值、交易类别、日期等范围。

For a detailed list of fees, please feel free to read our Terms and Conditions for more information.

请阅读我们的用户条约以获取有关费用的详细清单和更多信息。

For the in1Account, in1JointAccount and the in1BizAccount, the maximum account balance is unlimited, however, you will only receive interest for balances up to $250,000.

合壹账户、合壹联名账户和合壹商业账户的最大余额是没有限制的。然而，您只能从您的合壹账户中前25万余额获取利息收益。

Our QR Pay allows you to pay any in1bank customers or in1bank merchants quickly and seamlessly by simply scanning or uploading their QR Code. To pay someone simply scan an in1bank QR code by pressing the 'QR Pay' button on your in1App home screen.

我们的二维码支付让您通过扫描或上传任何其他合壹银行用户或商户的二维码快速、无缝地支付。您在支付时只需按下合壹银行APP主屏幕上的“二维码支付”按钮并扫描合壹银行的二维码。

This means that you don't have to remember or save other people's account details. Also, in1bank QR Pay is safe and secure. The name of the recipient will be displayed in the in1App when you scan a QR Pay code, giving you the peace of mind so you know exactly who you are paying.

这意味着您不需要记住或保存其他人的账户信息。此外，合壹银行的二维码支付是保密安全的。当您扫入二维码时，合壹银行APP会显示收款人的名字让您放心、准确地知道您的支付收款人是谁。

To initiate an in1bank QR Pay, simply scan an in1bank QR code with any QR scanner to take you to the in1App. Next, check that the person you're paying is the right person, then simply add how much you want to pay and complete the transaction.

开始使用合壹银行的二维码支付非常简单。您只需用任何二维码扫描端扫描合壹银行的二维码以打开合壹银行APP。接下来，确认您要支付对象的信息，并加上您想支付的金额，完成交易。

First, launch your QR code by pressing the ‘Receive’ button on your home screen. You can present or share this code to your friends to scan or upload to pay you instantly. If your friends do not have the in1App, they can also scan this code with their usual QR to download our app.

首先，按下主屏幕上的"收钱"按钮来显示您的二维码。您可以呈现或分享这个二维码给您的朋友扫描或让他们在合壹银行APP上传立即支付您。如果您的朋友没有合壹银行APP，他们也可以用他们常用的二维码扫描并从应用程序商店下载我们的APP。

in1App will automatically detect your camera's enablement status each time you open our QR code camera. If it isn't enabled, we will prompt you to 'enable' on your camera access. If you're having any more trouble on this, please feel free to email or contact us directly for assistance.

当您每次打开我们的二维码相机时，合壹银行APP将自动检测您的相机的启用状态。如果没有启用，我们将提示您在相机中“启用”。如果您在这方面有任何问题，请随时发邮件或直接联系我们寻求帮助。

If you are unable to press the upload button at the bottom right corner of the QR scanner, this may be due to a number of reasons. However, most likely this is because it is not enabled by your device. Please also check your phone settings to make sure that your photo galleries are enabled to in1App. If you're having any more trouble on this, please feel free to email or contact us directly for assistance.

如果您无法按下二维码扫描仪右下角的上传按钮，这可能是由于多种原因。然而，这很可能是因为您的设备没有允许合壹银行APP您的照片库的权限。请检查您的手机设置，并确保您的照片库已给予合壹银行APP权限。如果您在这方面有任何问题，请随时发邮件或直接联系我们寻求帮助。

If you don't have an in1Bank account, simply download our app from your App Store and onboard fully online. Once you have an account, you will be able to receive payments via QR codes or scan other in1bank customers' QR codes.

如果您没有合壹银行的账户，您只需从您的应用程序商店下载我们的合壹银行APP，并在手机上完成开户。您有了一个合壹账户，您就可以通过二维码接收付款，或者扫描其他合壹银行客户的二维码。

Other in1bank users can only see your payment name if you provide your QR code to the person. However, other customers can only pay to the bank details. If you believe that your information is breached in any manner, please contact in1bank immediately so we can help you.

其他合壹银行用户只有在您提供二维码的情况下才能看到您的支付名。此外，其他客户只能通过银行支付信息付款。如果您认为您的信息以任何方式被泄露，请立即与合壹银行联系，以便我们帮助您。

You earn interest on every cent you save with us, without having to worry about moving your money between accounts. That’s not the only great news, we at in1Bank will reward you for saving more with us, you will unlock bonus rate tiers which go up as you increase your savings in your in1Account and in1JointAccount. Interest is calculated based on monthly average balance and paid monthly.

因为您在合壹账户和合壹联名账户里储蓄的每一分钱都可以赚取利息，您不再需要担心在不同账户之间转移资金。同时，作为在我行储蓄更多资金的奖励，您将会得到不同等级的加息利率。等级越高，您的加息利率也会更高。温馨提示：利息按每月平均余额计算，按月支付。

As our valued customer, we want to reward you for saving with us with our in1Account and in1JointAccount Bonus Rate.

Earn an additional 0.1% Bonus Rate on top of your base rate by depositing at least $2,000 in your in1Account or in1JointAccount within the month to.

The interest will be paid at the end of the month.

You can earn this in addition to your in1Account or in1JointAccount Bonus Tier Rate.

作为我们尊贵的客户，我们希望用我们的合壹定存和合壹联名账户加息利率来奖励您选择在我行存款。
如果您在一个月内存至少2000元到您的合壹账户或合壹联名账户，您能在您的基本利率上获得额外的0.1%的加息利率。
利息将在月底支付。
您可以在您的合壹账户或合壹联名账户奖励等级的基础上获得这个奖励利率。

As our valued customer, we want to reward you for your loyalty and commitment with our in1Account Bonus Rate. Earn an additional 0.1% Bonus Rate in your in1Deposit if you reinvest an existing in1Deposit. Don’t worry, you will have a 5-day grace period to withdraw your funds without penalties. Enjoy our flexible investment terms to maximise your investment.

作为我们尊贵的客户，我们希望用我们的合壹账户加息利率来奖励您的忠诚和承诺。 只要将您现有的定存再投资，您的合壹定存账户可以获得额外的0.1%的的加息利率。 别担心，您将有5天的无条件宽限期来支取您的钱。 享受我们灵活的投资期，让您的投资最大化。

in1Deposits allow you to flexibly maximise your returns with your money. In addition to standard terms, our in1Deposits provide you the first deposit account in Australia which allows you to flexibly choose the exact length of days you deposit your money for. This allows you to better plan your finances and allows the deposit to mature on the exact day you need it.

合壹定存账户可以灵活地使您的资金回报最大化。
除了标准的条款，我们的合壹定存账户将为您提供澳大利亚第一个完全灵活到期的定期存款账户。这可以让您更好地规划您的财务状况，并允许存款在您需要的那一天到期。

Choosing the highest rate is easy. Here at in1Bank, we bring the best rates to you. The app will show the highest interest rate available with the corresponding term at the time. You need to decide carefully whether it is suitable for your own situation or consult a professional investment advisor prior if in doubt.

合壹银行会为您提供最优惠的利率，让您选轻易择最高的利率。
合壹银行APP将显示当时相应期限的最高利率。你需要仔细决定是否适合自己的情况，或如果有疑问请咨询专业的投资顾问。

in1Bank is committed to our sustainability goals. We won't invest or lend our money to the fossil fuels industry.

合壹银行致力于实现我们的环保目标。我们不会投资或借钱给化石燃料行业。

You can feel assured that your deposits are safe at in1Bank. in1Bank is an Australian Authorised Deposit-taking Institution (ADI or Bank). This means that your deposits are guaranteed up to $250,000. in1bank also employ extensive risk-management oversight and planning to ensure that your deposits are secure.

请放心，您在合壹银行的定存是安全的。
合壹银行是一家澳大利亚授权接受存款机构（ADI或持有执照的银行）。因此您在合壹银行的存款受政府保证高达25万澳元。合壹银行同时也采用各种广泛的风险管理监督和计划，以进一步确保您的存款是安全的。

If your ID verification did not work during onboarding, please make sure that your name is entered exactly as per your ID document and that your ID has not expired. Otherwise, you could consider using a different ID document, or contact us directly.

如果您的身份证件无法核实，请确定您的姓名完全符合您输入的身份证件，并且确定您的身份证件没有过期。否则，请考虑使用不同的身份证件，或直接联系我们。

Once you have fully submitted and completed your account creation process, you will see a green tick in your application card in your dashboard.
Provided we have a full submission, for in1Accounts and in1JointAccounts, this should return a result within 5 minutes.
For in1BizAccounts, this should take up to 20 minutes.

一旦您提交并完成了整个帐户创建过程，您将在主页面中的申请程序卡上看到一个绿色的勾号。
收到您的完整的申请后，通常合壹账户和合壹联名账户应该在5分钟内返回结果。 合壹商业账户最多需要20分钟。

in1bank is not able to onboard customers under the age of 18.

合壹银行不允许18岁以下的顾客申请账户。

You can only create an in1bank Account when you are in Australia and have the necessary onboarding documentation. Once you're onboarded, you can use our in1App to make transactions anywhere globally.

您只能在澳大利亚并拥有必要的身份证件的情况下申请我们的账户。一旦您成功开户，您可以在全球任何地方使用使用我们的合壹APP。

We at in1bank treat digital security very seriously and have strict personal data security and access criteria in place to prevent the misuse and theft of sensitive personal data. If you have any other concerns or questions, please feel free to contact us.

合壹银行非常重视数字安全，并设有严格的个人数据安全的存取控制，以防止您的个人数据被滥用和盗窃。如果您有任何其他疑问，请随时与我们联系。

For your convenience, we will send SMS notifications to both your secondary and primary number if you provided us a secondary number. Please note that this is completely optional, but it provides you an added level of convenience.

为了您的便捷，您可以向我们提供您的备用电话号码。我们将通过您的主要号码和备用号码向您发送短信通知。请注意，这完全是可选的。

We at in1bank treat digital security very seriously and taking a selfie to match with your ID serves a higher level of protection against fraud. By providing us with your selfie, you are helping us to protect you and the rest of our community of users against fraud.

合壹银行非常重视数字安全问题并坚信生物识别技术的优势，因此我们将通过核实您的身份证件与您的自拍来进一步保护您和我们的社区的的其他用户免受诈骗。