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