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

Other Services

• Online Assistance - Online information inquiry service from Bank staff via iCash system every day from 08:00 a.m. – 08:30 p.m.
• Knowledge Center- Self-service to search for details about system usage including related documents and forms.*

*Not available on mobile application