工行卡怎么转定期

How to Convert Regular Savings in ICBC Card to Fixed Deposit

在当今的金融世界中，合理规划资金是实现财富增值的重要手段之一。对于持有工商银行（ICBC）卡的用户来说，将卡内的资金转为定期存款是一种常见的理财选择。那么，工行卡怎么转定期呢？

In today's financial world, rational planning of funds is one of the important means to achieve wealth appreciation. For users holding Industrial and Commercial Bank of China (ICBC) cards, converting the funds in the card into fixed deposits is a common financial management choice. So, how to convert regular savings in an ICBC card to a fixed deposit?

首先，您可以通过工商银行的手机银行 APP 进行操作。登录手机银行 APP 进入其首页，在底部点击“最爱”和“全部”图标。然后选择“存贷款”选项，接着点击“定期存款”，再点击“我的定期存款”。选择要转成活期的定期存单，点击“支取”，根据系统提示输入金额，点击“下一步”并进行“提交”。

Firstly, you can operate through the mobile banking APP of ICBC. Log in to the mobile banking APP and enter its homepage. Click the "Favorite" and "All" icons at the bottom. Then select the "Deposit and Loan" option, followed by clicking on "Fixed Deposit", and then click on "My Fixed Deposit". Select the fixed deposit certificate to be converted to current deposit, click "Withdrawal", enter the amount according to the system prompt, click "Next" and submit.

其次，您还可以前往工商银行的服务柜台办理。用户需要带上个人身份证件以及工行卡。到银行以后取号排队，待叫号以后将身份证、工行卡交给柜台工作人员。填写一张业务申请单，开通银行卡定期子账户。在业务确认单上签字，然后输入银行卡密码、存入定期即可完成操作。

Secondly, you can also go to the service counter of ICBC for processing. Users need to bring their personal identification documents and ICBC cards. After arriving at the bank, take a number and wait in line. When your number is called, hand over your ID card and ICBC card to the counter staff. Fill out a business application form to open a fixed deposit sub-account for the bank card. Sign on the business confirmation form, then enter the bank card password and deposit the fixed deposit to complete the operation.

另外，通过工商银行的网上银行也能实现定期转存。进入网上银行，按照相关提示进行操作即可。

In addition, fixed deposit conversion can also be achieved through the online banking of ICBC. Enter the online banking and follow the relevant prompts to operate.

需要注意的是，在进行定期转存操作时，要根据自己的资金规划和需求选择合适的定期存款期限和金额。同时，了解相关的利率和手续费等信息，以便做出更明智的决策。

It should be noted that when performing the fixed deposit conversion operation, it is necessary to select the appropriate fixed deposit term and amount according to your own fund planning and needs. At the same time, understand the relevant interest rates and handling fees and other information in order to make more informed decisions.

总之，工商银行提供了多种便捷的方式来帮助用户将工行卡内的资金转为定期存款，用户可以根据自己的实际情况选择最适合自己的方式进行操作。

In conclusion, ICBC provides a variety of convenient ways to help users convert the funds in their ICBC cards into fixed deposits. Users can choose the most suitable way for themselves to operate according to their actual situation.