Making payments in CZCB

Alena Dunaeva · Lawyer, Family Office · July 2, 2026

1. General Information

When using CZCB banking you must have two tokens and two personal accounts set up.

The Operator personal account and token are used for entering transaction information and uploading documents.

The Authoriser personal account and token are used for approving transactions.

2. Sending Payments

To send a payment you must first enter the payment details and upload the documents via the Operator personal account. Then the payment must be approved via the Authoriser personal account.

2.1. Uploading Documents for Sending a Payment to Another Bank

Log in to the Operator personal account.
Select International Business in the top menu.

Select Foreign exchange remittance and then Outward Remittence.
Fill in the transaction information:
- Currency — payment currency
- Payment account — the account from which the payment will be sent depending on the selected currency
- Remittence area — whether the payment is to be sent within China or abroad
- Payer’s Address — your address (usually pre-filled by default)
- Beneficiary Name — name of the payment recipient
- Beneficiary Country — recipient’s country
- Payee Address — recipient’s address
- Beneficiary Bank — recipient’s bank
- Transfer Amount — payment amount
- Domestic and foreign expenses — Remitter
- Intermediary Bank — recipient’s intermediary bank
- Paid account selection — the account from which the payment will be sent
- Currency of the billing account — payment currency
- Remark — payment purpose (for services, such as legal services, select OTHER as the payment purpose. In the PostScript field, specify the type of service, the invoice or contract number and the date)
Tick Join the payee list and click Next.
On the next page, fill in the transaction information:
- Contract No — contract number. If there is no number, indicate its name and date, for example, Engagement letter 2023-11
- Invoice number — invoice number
In Upload files upload the contract and invoice in .zip format.

Tick I have known and promised:… and click Next.
Check the correctness of the data in the Confirm window.
If everything is correct, in Enter verification code enter the code highlighted in colour in the Name of payee field (pink 1234) and click Submit.
Click Finish.
The payment must then be approved via the Authoriser personal account.

2.2. Uploading Documents for Sending a Payment to a CZCB Account

Log in to the Operator personal account.
Select International Business in the top menu.

Select Foreign exchange remittance and then Intra-bank transfer.
Fill in the transaction information.
The payment must then be approved via the Authoriser personal account.

2.3. Approving the Payment

Log in to the Authoriser personal account.
On the Home page, click to do list.
Click Review next to the transaction.
Check the data and, if correct, click Pay.
Once per quarter, the bank requires mandatory reconciliation of all payments.

3. Receiving Payments

To credit funds to the account after receiving a payment you must first upload the documents via the Operator personal account. Then the payment must be approved via the Authoriser personal account.

Based on our experience after the first five incoming payments the bank stops requesting supporting documents and begins crediting the funds to the account immediately.

3.1. Uploading Documents for Receiving a Payment

Log in to the Operator personal account.
Select International Business in the top menu.

Select Foreign exchange remittance and then Electronic document.
Select the account, date, and type of payment for which you are uploading documents, then click Query.

Select the required payment from the list below and, on the right in the Operate column, click Please upload electronic document.
In the new window, click Upload and upload the required documents in .zip format.

Tick I’m aware and promise that… and click Submit.
Documents have been successfully uploaded.

3.2. Approving the Receipt of a Payment

Log in to the Authoriser personal account.
On the Home page, click to do list.
Click Review next to the transaction.
Check the data in the Electronic document command details table.
If correct, click Pass. If an error is found, click Refuse.
In the new window, click Finish.
The payment is completed.
Once per quarter, the bank requires [mandatory reconciliation of all payments].

4. Other Account Operations

4.1. Mandatory Quarterly Payment Reconciliation

Payment reconciliation is submitted via a browser using this link.

Go to this link.
Authorise on the portal:
- First field — User name — enter the Reconciliation Number from the Primary Authorisation Data.

Second field — Password — enter 888888 (same for all users).

Third field — enter the code from the image.

Click the red Log in button on the left.

3.1. After the first login, you will need to change your password:

3.1.1 In the new window, enter a new password in the first field, confirm it in the second field, and click the red button under the last field.

3.1.2 In the new window, repeat steps 4–7 from this link, but with the new password.

After logging in, select the fourth line on the left.

Select any account from the list provided.

Indicate the current month and year for the Reconciliation submission.

If banking does not allow selecting the required date, it is likely that Reconciliation for that date has already been submitted.

Click the button on the left.

Tick ✓ all accounts for which Reconciliation must be submitted.

Click the button at the top left.

Click the button on the left.

At this stage, Reconciliation has been sent. The process is complete.

4.2. Checking Payment Status

Log in to the Operator personal account.
Select International Business in the top menu.

Select Foreign exchange remittance and then Transactions status inquiry.
Select the account, date, and type of payment for which you are checking the status, then click Query.
The payment status will be shown next to the transaction.

4.3. Currency Exchange

Select the section.

Enter the account number (USD/EUR), currency, amount, account number (CNY), and customs code. In the type of funds section, select 一般贸易.

Click the button.

Confirm the data and upload documents — contract, invoice, and bill of lading.

Click the button.

The application is sent for review. Once approved, the entry is confirmed, and the currency purchase is made at the rate on the date of the entry.
Currency purchase management:

Operations approved in the international settlement system can be found in this section.