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Key Benefits

This effective, secure, and reliable service meets high standards of excellence in cash management for business.

Simplified Experience

The system is designed for ease of use and supports multiple languages via a web browser on PC, laptop and mobile phone.

Smart Functions

Manage transactions confidently with an intelligent system and advanced functionality, including real-time intrabank transactions.

Enhanced Visibility

Comprehensive Visibility

More Control and Security

Transact confidently with international standard security systems and approval made with a Token.

Service Details

Service Details
Bangkok Bank’s new digital banking service enables you to swiftly and easily manage your cash management needs. You can keep track of your accounts, make payments, manage your liquidity, and generate reports. Whether your business is large or small, you can streamline and seamlessly manage your financial operations any time, any day.
Key Benefits
Simplified Experience
The system is designed for ease of use and supports multiple languages, with seamless access via a web browser on your desktop computer or mobile device, as well as through mobile applications on Android and iOS. It offers comprehensive functionalities that enable users to perform electronic payment transactions together with the submission of e-withholding tax. You can explore the system’s functions through self-guided learning, or you cancontact our staff directly via the iCash platform.

 

Smart Functions
The iCash service has best-in-class functions which help you to efficiently manage liquidity for maximum returns. The system automatically recommends payment methods to optimize results, supported by beneficiary verification to minimize processing errors. The platform also supports payments for utilities, goods, and services, including real-time intrabank transactions. You can include relevant payment details in transaction advice and electronically attach supporting documents.

 

Comprehensive Visibility
The dashboard provides a simple overview of financial transactions across Bangkok Bank and other bank accounts, allowing users to monitor transaction status at any time. It also enables convenient online access to view and download cash management reports.

 

More Control and Security
You can manage system users and transaction permissions, including password resets and payment transaction management. The system is secured by international-standard security and supports token-based login and transaction approval, with biometric authentication via facial or fingerprint recognition for token application access. Approval-level users are notified of pending approvals via SMS, push notifications, and email.
iCash's Main Features
  • Account Services
    • Details of deposit accounts, loan facilities, and various investment products maintained with Bangkok Bank.
    • Details of counter foreign exchange rates including special offers and forward contracts with the Bank.
  • Payment Services
    • Standard Electronic Payments
      • Transfers between Bangkok Bank accounts (Book Transfer - Own and 3rd Party Accounts) *
      • Pay employee salaries (Payroll)
      • Make payments to your business counterparts (Direct Credit)*
      • Domestic fund transfers to other banks (SMART/BAHTNET)
      • PromptPay
      • International Outward Funds Transfer
      • *The services are available for real-time transaction processing 24/7.
    • Payments for utilities, goods, and services (Pay Bills)
    • Smart Payment Advisory Services - Once the details and objective of the transaction have been specified the system will automatically show the best transaction option to the user.
    • Customer Self-service: Stop/Hold Payment Instructions
    • Other Services
      • Transaction advice – Specifies additional payment information in the payment advice field.
      • Beneficiary Validation - Verification of beneficiary information for Bangkok Bank accounts.
      • Payment Template – The ability to create payment transaction templates and store data in a template format for future use.
      • Beneficiary Management** - Manage, register, and record beneficiary information.
      • Withholding Tax Certificate Issuance **- Choose to have the Bank issue a withholding tax certificate on your behalf.
      • E – Withholding Tax – Seamless payment of e-withholding tax and the ability to pay withholding tax in one payment instruction.
      • Make transactions using counter foreign exchange rates, special foreign exchange rates, and forward contracts.
  • Liquidity Management
    • Cash Aggregation Report: Sweeping (Intraday), sweeping (end of day) and multibank pooling.
    • Intercompany Lending Report: Promissory note generation and cash investment report.
    • Sweep Structure Summary Report - Summary report of the company's accounts that have been linked in the system.
  • Alerts and Reports
    • Transaction Alert for approver
    • Insufficient Funds Alert
    • Bill Payment (Batch)**- Report of payment for product and service
  • Security
    • Token application and advanced biometric authentication
  • Customer Self-administration  
    • Customer Administrators can manage user information, access system usage reports, and regenerate passwords for users who have forgotten their passwords.
    • Customer Users can choose their preferred language and change their profile picture.
    • **Not available on mobile application
iCash Login Channel

The iCash system can be accessed in different ways:

  • Websites through browsers such as Safari, Google Chrome, Microsoft Edge and Mozilla Firefox.

  • Mobile Applications using Android and iOS operating systems. You can download the applications from the Play store or App store.

    • Supported iOS version: iOS 15 or later
    • Supported Android version: Android 12 or later
    Remark: Mobile application usage is not supported using AppGallery on Huawei devices.

  • Host to Host (H2H) for secure file transfer in an automated format via SFTP including money transfer information, accounting movement reports, and other reports in various formats. This is suitable for customers with ERP systems such as SAP, Oracle.

Defining Authority, Duties, and User Groups in the iCash system

iCash categorizes users into three groups as follows:

1. Customer User: A user who has been authorized by the iCash applicant to initiate or approve transactions on its behalf. The roles include:

  • Maker: Responsible for creating transactions for payments or collections.
  • Verifier: Responsible for checking the accuracy of the transactions (if available) before forwarding them for approval.
  • Authorizer: Responsible for approving and confirming the transactions.

    Note: All the roles above can view account balances and movements.


2. Customer Administrator: A user who has been authorized by the iCash applicant to manage the customer users and monitor general activities. The roles include:

  • Admin Maker: Responsible for
    • Unlocking user IDs that have been locked due to multiple incorrect password attempt.
    • Regenerating passwords for the customer users who have forgotten their passwords.
  • Admin Authorizer: Responsible for
    • Approving requests from the admin maker to regenerate passwords.


3. Super User: A user who has been assigned by the iCash applicant to have the highest level of authority to make financial transactions, view account movements and manage the customer users. Responsibilities include:

  • Unlocking user IDs that have been locked due to multiple incorrect password attempts.
  • Regenerating passwords for users who have forgotten their passwords.
Service Fees

Fees are charged when you apply for or make transactions via iCash (New system)

Other Services
  • Online Assistance - Online information inquiry service from our staff via the iCash platform is available every day from 8:00 a.m. – 8:30 p.m.
  • Knowledge Center – A self-service function where you can search for details about using the system, including related guides, documents and forms. **

**Not available on mobile application

iCash System First Time Login Guideline

For new customers to iCash (new system)

Quick guide to iCash system first time login via website

Manual guide to iCash system first time login via website

VDO guide to iCash system first time login via website

Manual guide to iCash system for first time login via Mobile application

VDO guide to iCash system first time login via Mobile application

For customers migrated from BIZ iBanking or Corporate iCash
For customers migrated from BIZ iBanking

Manual guide to iCash system first time login via website VDO guide to iCash system first time login via website  

For customers migrated from Corporate iCash

Manual guide to iCash system for first time login via website VDO guide to iCash system first time login via website

Training

iCash (New System) online training

A Microsoft Teams online course to assist you in using the "iCash (New System) First Time Login".
Register

iCash (New System)

How to apply

It costs nothing to get started. You can apply for iCash at any Business Center or Bangkok Bank branch.
Read more

Security Standards

Be assured of safety every time you use the service.
Transport Layer Security (TLS) Version1.2
Data transmission is only through a channel that connects to the system using an encrypted protocol (HTTPS) to prevent interception and modification of sensitive data along the way. Connection is only allowed with technology that is secure according to international standards.
256-Bit Encryption
We use a bit algorithm, which is the highest level of encryption currently available for use in the world's banking industry.
Firewall
We use several levels of firewall to protect our system and your data.
Intrusion Detection Software
We have installed intrusion detection software which ensures we are immediately alerted of any suspicious activity.
Automatic Sign-Off
If you leave your computer idle, you will be automatically signed off from our service after a set period. This feature prevents anyone from using your account while you are away from your computer.
Verification
We have a ‘VeriSign Global Server Certificate’ which means it is virtually impossible for anyone to duplicate our website and pretend to be us.
Token
The Token is a password generator providing a double layer of security. The Super User, Approver and Account Controller must use the Token to log on to the system each time.
Two-factor Authentication
All users are supplied with a password-generating Token which provides a double layer of security. The Administrator and Approver are required to use the Token to log into the system each time.

Frequently Asked Questions

Which types of fund transfers does the iCash service support?
The iCash system supports both domestic and international fund transfers. You can use savings accounts, current accounts, and foreign currency accounts to perform financial transactions.
In the case of salary payment, can we provide blind payment information to user (authorizer)?
The system has a sign-blind function for payroll services that support salary payment transactions. You can set user entitlement for payroll information so that the approver can approve transactions without seeing any salary details or information unrelated to their position.
What are the additional services related to payment services on the iCash system?

The additional services for payment services are as follows:

1. Remittance Information

To improve the efficiency of fund transfers, you can specify transaction-related details such as invoice details or salary information to be transferred to beneficiaries. The system will send the information in the form of advices to beneficiaries.

2. Withholding Tax

You can specify details of withholding tax in the payment instructions. The system will issue a withholding tax certificate that you can view on the screen. In addition, the Bank will deliver the certificate to the recipient of the transferred funds in a paper format.

3. e - Withholding Tax

Bangkok Bank deducts and remits withholding tax and related tax information electronically to the Revenue Department on behalf of the payer. With this service, the payer does not need to issue a withholding tax certificate to the payee nor file tax returns or remit withholding tax.

4. Beneficiary Maintenance

A function for registering beneficiaries' data in the system to increase convenience and security in financial transactions. You do not need to enter beneficiary details in the system every time you make a transaction. You can make payments and select registered beneficiaries to process payment.

5. Payment Advices

To improve the efficiency of payment transactions, the system has documents that support every step of the payment process, including the following details:

  • Debit Advice
  • Pre-credit Advice
  • Credit Advice

6. FX Visibility

The system supports all transactions that involve a FX rate, including for cross-currency fund transfers, and can display and use foreign exchange rates according to the Bank’s counter rate announcements. Special exchange rates or forward contracts will be those agreed with the Bank.

7. Payment Templates

You can set favorite payments or fund transfer orders as a template in two formats:

  • Normal template - no approval is required in the template saving process.
  • Secured template - approval is required before the template is saved.
Which payment services are provided in iCash?

The system supports both domestic and international outward transfers, which are detailed as follows:

Transfer funds between Bangkok Bank accounts

  • Book Transfer: Transfer money within the company’s account.
  • Third Party Fund Transfer: Transfer money within a group of companies’ accounts.
  • Direct Credit: Transfer money between Bangkok Bank accounts without limits. 

Transfer funds between banks in Thailand

  • SMART Credit: Transfer up to 2 million baht per transaction across different bank accounts.
  • PromptPay: Transfer up to 2 million baht per transaction through Proxy ID, PromptPay system.
  • BAHTNET: Transfer money without limits per transaction across different bank accounts. 

Transfer funds between countries

  • International Outward Funds Transfer: The system supports both single currency and cross-currency fund transfers to foreign countries via SWIFT.
Which services can businesses use to make payments for utilities and service fees?
Pay Bills: Payments for utilities, goods, and services.
How many types of exchange rates (FX Rates) are available on the iCash system?

FX Rate is the exchange rate of foreign currencies used in financial transactions. The iCash system supports various types of FX Rates, which are detailed as follows:

  • Counter Rate: Normal exchange rate according to the Bank’s announcements.
  • Today's Deal: Special exchange rate agreed upon by customers and the Bank and valid only on the day agreed upon with the Bank.
  • Forward Contracts: Forward contracts for buying and selling foreign currencies in advance, with clear contract terms for the exchange rate to be bought or sold.
How can I view the Sweeping Structure?
To view the information, the company must apply and register for the liquidity service with the Bank. Afterwards, the system will display the registered information, and you can view the information at the structure and instruction levels. The system will display the data pictorially along with details of each sweep instruction to make it easy to understand.
The authorizer would like to approve a transaction. What should they do?

Approvers who wish to approve a payment order through the iCash system can do so through 4 channels. Before approving the transaction, the approver can view the transaction details.

  • Approve the transaction through the Payment Center screen by selecting the transaction pending for approval.

  • Approve the transaction through the Approval Center.

  • Approve the transaction through the on-screen push notification.

  • Approve the transaction through the Activity Feed.

How can I check the status of a fund transfer?
You can check the status of a transfer through the Payment Center. The system will display information on all types of payments, including Single transaction, Batch initiation, and File upload. You can view the details and status of the payment.
How do I install the iCash application and Token application on my mobile phone?

You can download the mobile applications for use on Android and iOS operating systems by searching for the application name as follows:

  • “iCash-Transaction Banking” application for using the iCash application.
  • “Token-Transaction Banking” application for using tokens on the application.
Can I check my balance on my mobile phone?

You can view your account information registered with the Bank through the iCash application. The system supports various account types, including:

  • Cash accounts - Current accounts / Savings accounts

  • Loan accounts - Bills (P/N, L/G) / Long-term loans
  • Investment accounts - Fixed deposit accounts / Mutual fund accounts

Tools & Assistance

For more information, call us at
Corporate Service Center
(66) 0 2031 7888

Tools & Assistance

For more information, call us at Corporate Service Center (66) 0 2031 7888

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