Account opening 开户常见问题First, download our app from the App Store or Google Play by searching for "in1bank" or clicking "JOIN US" at the top right to scan the QR codes. Then, simply follow the prompts in the app to open a bank account on your mobile phone.
首先，在 App Store 或 Google Play 搜索 "in1bank" 下载我们的应用程序，或点击右上角的“开始体验”，扫描页面二维码下载。然后，按照应用内提示，在手机上轻松完成开户。
You will need a physical Australian passport or driver's licence.
For Chinese applicants, we accept a Chinese passport with a valid visa, along with a Chinese national ID card as a secondary ID.
您需要提供澳大利亚护照或澳大利亚驾照。
对于中国申请者，我们接受中国护照（需持有有效签证），并需提供中国居民身份证作为辅助身份证明。
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。
To open a bank account, you must be physically located in Australia. Please ensure you are in the country, and disconnect from any VPN or services like Starlink, as they may interfere with location detection.
要开立银行账户，您必须身处澳大利亚。如果您在澳洲，请断开任何 VPN 或 Starlink 等服务连接，因为它们可能会影响位置检测。
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。
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.
此项为选填。备用电话也可用于接收我们的短信通知。
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 approximately 1 business day.
递交个人或联名账户申请后，通常在 5 分钟内即可获知申请结果。对于企业账户，预计在 1 个工作日内收到结果。
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.
点击主页面上的「申请新账户」按钮，然后选择「合壹联名账户」。完成申请流程后，您的账户联名人将收到一封带有链接的电子邮件，请点击该链接完成剩余步骤。
in1bank QR pay 合壹银行二维码支付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.
这是合壹银行自主开发的支付系统，仅限合壹银行客户之间进行实时转账或支付，适用于个人用户和商户。支付时，您只需点击合壹银行 APP 主屏幕上的「二维码支付」按钮，扫描合壹银行的二维码即可完成。
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.
这意味着您无需记住或保存他人的账户信息。此外，合壹银行的二维码支付安全且保密。当您扫描二维码时，合壹银行 APP 会显示收款人的姓名，确保您能清楚、准确地确认支付对象。
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.
使用合壹银行的二维码支付非常简单。您只需使用任何二维码扫描工具扫描合壹银行的二维码，便可打开合壹银行 APP。随后，确认收款方信息，输入支付金额，完成交易即可。
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，点击主屏幕上的“收款”按钮以显示您的二维码。您可以出示或分享此二维码，让朋友扫描并通过合壹银行 APP 即时付款给您。若朋友尚未安装合壹银行 APP，他们也可使用常用的二维码扫描工具扫描二维码，跳转至应用商店下载我们的 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.
每次打开二维码扫描功能时，合壹银行 APP 都会自动检测您的相机启用状态。若未启用，我们会提示您开启相机权限。如有任何问题，欢迎随时通过邮件或电话联系我们寻求帮助。
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.
如果您无法点击二维码扫描仪右下角的上传按钮，可能有多种原因。其中最常见的是您的设备未授予合壹银行 APP 访问照片库的权限。请检查手机设置，确保合壹银行 APP 已获得照片库访问权限。如有任何问题，欢迎随时通过邮件或电话联系我们寻求帮助。
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.
如果您还没有合壹银行账户，只需在应用商店下载合壹银行 APP，并在手机上完成开户。拥有合壹账户后，您即可通过二维码接收付款，或扫描其他合壹银行客户的二维码进行支付。
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。
Interest rates and deposits 利率与存款At in1bank, we offer a single account for both transactions and savings, so there’s no need to move funds around to earn interest. You’ll start earning as soon as you deposit money with us, and you can unlock additional rewards for saving more. Click here for more information.
在合壹银行，我们提供一个集交易与储蓄于一体的账户，无需在账户间转移资金即可赚取利息。只要您存入资金，就能立即开始享受利息收益，而且存得越多，您还可解锁更多奖励。点击 此处 。
Yes, our interest rate adjusts in line with changes to the RBA cash rate. You’ll receive a notification whenever there’s a rate change. If you prefer more certainty, you may be interested in our fixed-rate in1Deposits.
是的，我们的利率会根据澳洲联储（RBA）现金利率的变动进行调整。每当利率发生变化时，您都会收到通知。如果您希望利率更加稳定，欢迎了解我们的固定利率 in1 定期存款产品。
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.
在合壹银行，您的个人账户和联名账户中的每一分钱都可以赚取利息。同时，存款越多，您将获得相应的奖励，利息也会随之增加。我们的利息按每月平均余额计算，并每月支付。
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.
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.
除了根据存款金额设定不同的利率级别外，我们还为账户余额至少存入 2000 澳币的客户提供额外 0.10% 的年利息。
It’s the term deposit product offered by in1bank. 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.
合壹定存账户是合壹银行的定期存款产品，助您灵活最大化资金回报。合壹银行还提供定制化的到期日期选项，帮助您更好地规划财务。
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.
合壹银行致力于回馈客户的忠诚，提供专属奖励。只要将您的现有定存续存，您的合壹定存账户即可享受额外 0.1% 的加息利率。无需担心，您将享有 5 天的无条件宽限期，可随时提取资金。选择灵活的投资期限，助您最大化投资回报。
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.
在合壹银行，找到高利率的方式很简单！我们的合壹银行 App 会为您展示各期限的最新最高利率，帮助您轻松掌握投资机会。请根据您的个人情况谨慎决策，若有疑问，建议咨询专业的投资顾问。
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，您在合壹银行的存款是安全的。合壹银行是经澳大利亚政府授权的持牌存款机构（ADI），您的存款享有政府最高 25 万澳元的保障。同时，我们还实施多重风险管理措施和严格的监管机制，进一步确保您的资金安全。
Account info and profile 账户信息与个人资料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 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”选项中更改语言。您也可以在首次打开应用程序、登录前调整语言设置。
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自带的生物识别套件（包括面部或指纹识别）。如果您在这个过程中关掉了它，您可以在设置中的“安全设置”选项栏重新启用或关掉您的手机自带的生物识别功能。
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台设备上注册您的账户，但必须设置其中一个设备为您将收取通知的主要设备。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“选项检查您的注册了的设备。如果您发现任何可疑的设备在您的账户上注册，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"选项中更改通知设置。
Payments, transfers and statements 付款、转账与对账单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.
如果您的朋友使用其他银行账户，转账或支付通常需要一个工作日到账。若交易在周五发出，资金可能要到下周一或周二才能到达收款人账户。如果一周后资金仍未到账，请随时联系我们协助处理。若您的朋友也是合壹银行客户，双方之间的付款和转账将实时完成。
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.
请先点击“现在”，选择设定未来付款或设置将其他类型的经常性付款频率，以安排定期付款。为便于您管理财务，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”页面查看和删除您的所有定期付款。
in1bank does not provide its own card payments at this stage.
合壹银行目前不提供任何卡服务（如信用卡、银行卡等）。
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，您的每日对外支付总额度为 20,000 澳元。如果您需要提高每日额度，请在 APP 内向我们提交申请。
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.
您可以前往想要存入资金的账户页面，查看您的银行账户信息。若您的朋友或家人也是合壹银行客户，他们可通过二维码支付功能扫描您的二维码，立即为您转账。您只需在合壹银行 APP 主屏幕上点击「收款」按钮，展示您的二维码即可。
Your bank Statements can be found under the 'Account tab' of the in1Account, in1JointAccount and in1BizAccount.
您可以先选择您要查看对账单的账户，然后点击“账户”，找到“银行对账单”，再选择您想查看的月份即可。
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.
您可以先选择您要查看交易的账户，在“交易”页面下方的搜索框中输入您想要查找的交易记录。若未找到满意的结果，可在页面底部点击“尝试使用高级搜索”。
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.
合壹银行的账户包括合壹账户、合壹联名账户和合壹商业账户，余额没有限制，但存款利息仅适用于最高25万澳币的余额。
Fraud and security 欺诈与安全问题If your registered device has been stolen or you suspect your account has been compromised, please contact us immediately at support@in1bank.com.au.
如果您的注册手机被盗，或者您认为您的账户资料已被泄露，请通过邮件 support@in1bank.com.au 联系我们。
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.
合壹银行高度重视数字安全，采取严格的访问控制措施，确保您的个人数据免受滥用和盗窃。若您有任何其他疑问，欢迎随时与我们联系。
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。拍摄自拍照与您的身份证件进行比对，可提供更高级别的防诈骗保护。通过提供您的自拍照，您不仅在帮助我们保护您自己，也在保护我们整个用户社区免受欺诈。
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，您在合壹银行的存款是安全的。合壹银行是经澳大利亚政府授权的持牌存款机构（ADI），您的存款享有政府最高25万澳元的保障。同时，我们还实施多重风险管理措施和严格的监管机制，进一步确保您的资金安全。
