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A2 noun 9 min read

网上银行

wǎngshàngyínháng
Examples Notes & Tips 网上银行 in 30 Seconds
Explanation 网上银行 in your Level:
At the A1 level, you only need to know that '网上银行' (wǎngshàng yínháng) means 'online banking.' Think of it as two simple parts: '网上' (on the internet) and '银行' (bank). You can use it in very basic sentences like '我有网上银行' (I have online banking) or '网上银行很好' (Online banking is very good). At this stage, don't worry about the complex security settings or technical terms. Just focus on recognizing the four characters and understanding that it allows you to handle money on your computer or phone without going to a building. It's a useful word because, in China, almost everyone uses it. You might see these characters on a sign in a bank or on a website button. If you see '网' (net) and '银行' (bank), you know it's about digital money.
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At the A2 level, you should be able to use '网上银行' to describe daily activities. You can say things like '我用网上银行交钱' (I use online banking to pay money) or '网上银行很方便' (Online banking is very convenient). You should also learn the short version, '网银' (wǎngyín), which people use when they are talking fast. At this level, you might need to ask a bank clerk for help: '我想开通网上银行' (I want to activate online banking). This is a very common sentence for foreigners living in China. You are starting to understand that '网上' acts like an adjective describing what kind of bank service it is. You should also be able to recognize related words like '密码' (mìmǎ - password) and '账号' (zhànghào - account number) because you will use them whenever you use 网上银行.
By B1, you can discuss the pros and cons of '网上银行.' You can explain why you prefer it over going to a physical branch: '因为网上银行可以随时随地转账，所以我很少去银行柜台' (Because online banking allows for transfers anytime and anywhere, I rarely go to the bank counter). You should also be familiar with specific functions like '转账' (zhuǎnzhàng - transfer), '查询余额' (cháxún yú'é - check balance), and '支付账单' (zhīfù zhàngdān - pay bills). At this level, you can handle more complex grammar, such as using '通过' (tōngguò - through/via) to describe the method: '我通过网上银行预订了火车票' (I booked a train ticket via online banking). You should also be aware of security terms like '验证码' (yànzhèngmǎ - verification code) which is essential for using the service safely.
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At the B2 level, you can use '网上银行' in professional and social discussions about the economy and technology. You might talk about the impact of digital banking on traditional jobs: '网上银行的普及减少了银行对实体网点的需求' (The popularization of online banking has reduced the demand for physical bank branches). You should understand the difference between '个人网上银行' (personal) and '企业网上银行' (corporate). You can also discuss security issues like '网络诈骗' (wǎngluò zhàpiàn - online scams) and how banks use 'U盾' (U-shields) to protect users. Your vocabulary should include terms like '手续费' (shǒuxùfèi - service fee) and '限额' (xiàn'é - limit). You can accurately use the term in complex sentences with multiple clauses and express nuanced opinions about the user experience of different Chinese banking apps.
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At the C1 level, '网上银行' is a term you use fluently in discussions about 'Fintech' (金融科技) and 'Digital Transformation' (数字化转型). You can analyze how online banking integrates with third-party platforms and the regulatory challenges involved. You might say, '网上银行不仅改变了消费者的支付习惯，还重塑了整个金融生态系统' (Online banking has not only changed consumer payment habits but also reshaped the entire financial ecosystem). You are comfortable with formal banking jargon such as '实时到账' (real-time arrival of funds), '理财产品' (wealth management products), and '身份认证' (identity authentication). You can read long terms and conditions for online banking services and understand the legal implications of digital signatures and electronic contracts in a Chinese legal context.
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At the C2 level, '网上银行' is just one small part of your vast financial vocabulary. You can discuss the macroeconomic implications of '网上银行' on national monetary policy and liquidity. You might engage in high-level debates about the 'Digital Yuan' (数字人民币) and its relationship with traditional 网上银行 infrastructures. You can write academic or professional reports comparing the efficiency of Chinese online banking systems with those in the West, using precise terminology like '分布式架构' (distributed architecture) or '高并发处理' (high-concurrency processing). You understand the historical evolution of the term from the early 2000s to the current era of AI-driven 'Smart Banking' (智慧银行). Your command of the language allows you to navigate any bureaucratic or technical challenge related to digital finance with the same ease as a native financial professional.
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Examples Notes & Tips

网上银行 in 30 Seconds

  • 网上银行 means online banking, a service that allows financial transactions via the internet, essential for modern life in China's digital economy.
  • The term is a compound of 'online' (网上) and 'bank' (银行), often used with verbs like 'log in' or 'activate'.
  • It is frequently shortened to '网银' (wǎngyín) in casual speech and is distinct from mobile payment apps like Alipay.
  • Security features such as verification codes and U-shields are central to the user experience of 网上银行 in China.

The term 网上银行 (wǎngshàng yínháng) is a compound noun that literally translates to 'on-the-net bank.' In a modern context, it refers to the digital infrastructure provided by traditional financial institutions that allows customers to conduct financial transactions over the internet. This term emerged as China transitioned from a cash-heavy society to one of the world's most advanced digital economies. While mobile payment apps like Alipay and WeChat Pay dominate daily transactions, 网上银行 remains the foundational term for the official web or app-based services provided directly by banks like ICBC, Bank of China, or Construction Bank.

Morphology
The word is composed of 网上 (wǎngshàng - online/on the internet) and 银行 (yínháng - bank). The character 网 represents a net, 上 means on or above, 银 means silver (historically used for money), and 行 means a professional establishment or firm.

现在的年轻人很少去网点，他们更倾向于使用网上银行办理业务。(Young people nowadays rarely go to physical bank branches; they prefer using online banking to handle their business.)

People use this term when discussing the management of their primary accounts, setting up fixed deposits, or performing large-scale transfers that require higher security protocols than mobile wallets. In China, the adoption of online banking was catalyzed by the 'Great Firewall' and the subsequent development of a unique internal digital ecosystem. Consequently, 网上银行 often implies a level of officialdom and security that third-party apps might lack for certain high-value operations. It is commonly abbreviated as 网银 (wǎngyín) in casual conversation and on banking websites.

Cultural Nuance
In China, 'Online Banking' originally referred to the desktop website accessed via a PC. However, with the smartphone revolution, the distinction between 'Online Banking' and 'Mobile Banking' (手机银行) has blurred. Most people now use the term interchangeably to mean any digital banking service.

为了安全起见，登录网上银行时请务必检查网址。(For security reasons, please be sure to check the URL when logging into online banking.)

Understanding this word is crucial for anyone living in China, as it is the gateway to paying utility bills, receiving salaries, and managing investments. The term is also frequently associated with security devices like the 'U-shield' (U盾), which is a physical USB key used to authorize transactions in the 网上银行 interface. This reflects the high priority placed on cybersecurity in the Chinese financial sector.

Using 网上银行 in a sentence follows standard Chinese SVO (Subject-Verb-Object) structure, but it often appears with specific verbs related to digital actions. The most common verb used with it is 登录 (dēnglù - to log in), 开通 (kāitōng - to open/activate), or 使用 (shǐyòng - to use). Because it is a noun, it can also act as a modifier for other nouns, such as 'online banking transfer' (网上银行转账) or 'online banking security' (网上银行安全).

Verb-Object Collocations
1. 开通网上银行 (To activate online banking) 2. 登录网上银行 (To log into online banking) 3. 这种业务可以在网上银行办理 (This business can be handled via online banking).

你可以通过网上银行查询你的账户余额。(You can check your account balance through online banking.)

When you want to describe the method of doing something, you use the preposition 通过 (tōngguò - through/via) or 用 (yòng - use). For example, 'I paid the rent via online banking' becomes '我通过网上银行交了房租' (Wǒ tōngguò wǎngshàng yínháng jiāole fángzū). Notice how the method (the online banking) comes before the action (paying the rent). This is a vital word order rule in Chinese: Subject + Method + Action.

如果您忘记了网上银行的密码，请携带身份证去柜台重置。(If you have forgotten your online banking password, please take your ID card to the counter to reset it.)

In passive or descriptive sentences, 网上银行 can be the subject. For instance, 'Online banking is very convenient' is '网上银行非常方便' (Wǎngshàng yínháng fēicháng fāngbiàn). If you are comparing it to traditional banking, you can say '比起去银行，我更喜欢用网上银行' (Compared to going to the bank, I prefer using online banking). This versatility makes it a core vocabulary word for anyone navigating the modern Chinese financial landscape.

In the real world, you will encounter 网上银行 in several specific environments. The most common place is inside a physical bank branch. Despite the 'online' nature of the service, Chinese banks often require you to visit a branch in person to 'kāitōng' (activate) the service for the first time. The bank clerk will likely ask you, '您需要开通网上银行吗？' (Do you need to activate online banking?). This is a standard part of the account opening process.

Common Scenarios
1. Customer Service: Calling a bank hotline to troubleshoot a login issue. 2. E-commerce: During the checkout process on sites like Taobao or JD.com, though this is increasingly replaced by direct app payments. 3. Corporate Offices: When accountants discuss company payroll and tax payments.

客户经理建议我下载他们的网上银行APP，这样转账就不用手续费了。(The relationship manager suggested I download their online banking app so that transfers would be free of charge.)

Another place you will hear this is on the news or in financial reports. As China pushes for 'Digital Transformation' (数字化转型), 网上银行 is frequently mentioned as a metric of a bank's modernization. You might hear phrases like '网上银行交易额' (online banking transaction volume) or '网上银行用户量' (number of online banking users). In these contexts, the word represents the shift away from physical currency toward a data-driven economy.

Finally, you will see this word prominently on the login buttons of official bank websites. Usually, there will be two options: '个人网上银行' (Personal Online Banking) and '企业网上银行' (Corporate Online Banking). Knowing these terms is essential for ensuring you are accessing the correct portal. In social circles, friends might discuss '网银转账' (transferring money via net-banking) when splitting a large bill that exceeds the daily limit of mobile payment apps.

One of the most frequent mistakes learners make is confusing 网上银行 (wǎngshàng yínháng) with 支付宝 (Zhībùfǎo - Alipay) or 微信支付 (Wēixìn Zhīfù - WeChat Pay). While all three involve digital money, 网上银行 specifically refers to the service provided by a bank. If you tell a Chinese person you paid via 'online banking' when you actually used WeChat, they might be confused because the user interface and the underlying financial process are different.

The 'On' Confusion
Learners often try to translate 'on the internet' literally using '在网上' (zài wǎngshàng). While grammatically correct, the term for 'Online Banking' is a fixed compound. Saying '在网上的银行' (the bank that is on the net) sounds like you are describing a physical building floating in cyberspace rather than the service itself.

Incorrect: 我去网上银行买咖啡。(I went to online banking to buy coffee.)
Correct: 我用网上银行付了网费。(I used online banking to pay my internet bill.)

Another mistake involves the word order for actions. English speakers often say 'I logged into my online banking to send money.' A direct translation might result in '我登录了网上银行发钱'. However, in Chinese, it is more natural to use the '通过' (tōngguò) structure or simply state the platform as the means. Also, '发钱' (fā qián) usually means 'to distribute money' (like a boss to employees); for banking, you must use '转账' (zhuǎnzhàng - transfer money).

Lastly, be careful with the word '网银' (wǎngyín). While it is a common abbreviation, using it in very formal written documents (like a legal contract) might be seen as too casual. Stick to the full four-character version '网上银行' for formal writing. Conversely, don't be so rigid that you refuse to use '网银' in a text message to a friend, as it might make you sound like a textbook.

To truly master financial Chinese, you need to understand where 网上银行 sits in relation to its synonyms and related terms. The digital finance landscape in China is vast, and terminology has evolved rapidly over the last decade. Below are the primary alternatives and how they differ from our main word.

Comparison of Terms
网银 (Wǎngyín): The short form. Used 90% of the time in casual speech and quick digital UI labels. Use this for efficiency.
手机银行 (Shǒujī Yínháng): Specifically refers to 'Mobile Banking' apps on a smartphone. This is now more common than desktop '网上银行'.
电子银行 (Diànzǐ Yínháng): 'Electronic Banking'. This is an umbrella term that includes online banking, mobile banking, and even telephone banking (电话银行).

虽然网上银行很方便，但有些老年人还是觉得去实体银行更放心。(Although online banking is convenient, some elderly people still feel more secure going to a physical bank.)

Another term you might encounter is 数字银行 (Shùzì Yínháng - Digital Bank). This usually refers to 'Neobanks'—banks that exist *only* online and have no physical branches (like WeBank or MYbank). In contrast, 网上银行 refers to the digital service of a bank that likely has physical branches. Understanding this distinction is important when discussing the 'Fintech' (金融科技 - Jīnróng Kējì) industry.

Finally, consider the term 第三方支付 (Dì-sān fāng zhīfù - Third-party payment). This refers to Alipay and WeChat Pay. While they link to your 网上银行 account, they are not the same thing. In a conversation about money, a Chinese friend might ask, '你是发网银还是支付宝？' (Are you sending it via net-banking or Alipay?). This highlights the two main channels for digital money movement in China today.

Fun Fact

The character '银' (yín) means silver, because silver was the primary currency in China for centuries. So, a bank is literally a 'silver firm' (银行).

Pronunciation Guide

UK /wʌŋ ʃæŋ jɪn hɑːŋ/
US /wɑŋ ʃæŋ jin hɑŋ/
Primary stress is on the first syllable of each word: 'Wǎng' and 'Yín'.
Rhymes With
广 (guǎng) 放 (fàng) 忙 (máng) 藏 (cáng) 廊 (láng) 长 (cháng) 王 (wáng) 光 (guāng)
Common Errors
  • Pronouncing 'háng' as 'xíng'. In the word for bank, it is always 'háng'.
  • Failing to distinguish the 3rd tone in 'wǎng' and 4th tone in 'shàng'.
  • Merging 'yín' and 'háng' into one syllable.
  • Pronouncing 'shàng' with a flat tone instead of a falling one.
  • Confusing the 'ng' ending in 'wǎng' with a simple 'n' sound.
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Examples by Level

1

这是我的网上银行。

This is my online banking.

Simple Subject-Verb-Object (SVO) structure.

2

网上银行很好用。

Online banking is very easy to use.

Adjective '好用' (easy to use) follows the noun.

3

我不去银行，我用网上银行。

I don't go to the bank; I use online banking.

Contrastive sentence structure.

4

你有网上银行吗？

Do you have online banking?

Question using the particle '吗'.

5

网上银行很安全。

Online banking is very safe.

Simple descriptive sentence.

6

我想看网上银行。

I want to see/check online banking.

Using the auxiliary verb '想' (want to).

7

网上银行在哪里？

Where is the online banking (portal)?

Question using '在哪里' (where).

8

他没有网上银行。

He doesn't have online banking.

Negative sentence using '没有'.

1

我每天都登录网上银行。

I log into online banking every day.

Time adverb '每天' (every day) placed before the verb.

2

你可以用网上银行交房租。

You can use online banking to pay rent.

Using '用...做...' (use... to do...) structure.

3

我忘记了网上银行的密码。

I forgot the password for online banking.

Verb + '了' indicating a completed action.

4

网上银行转账非常快。

Online banking transfers are very fast.

Noun as an adjective modifying '转账'.

5

请问怎么开通网上银行？

Excuse me, how do I activate online banking?

Polite question using '请问' and '怎么'.

6

我想在网上银行换钱。

I want to exchange money on online banking.

Prepositional phrase '在网上银行' indicating location.

7

网上银行不需要排队。

Online banking doesn't require queuing.

Negative '不需要' (don't need).

8

我的网上银行账号是多少？

What is my online banking account number?

Question using '是多少' for numbers.

1

为了安全，你应该定期修改网上银行的密码。

For safety, you should regularly change your online banking password.

Using '为了' (for/in order to) to show purpose.

2

如果你有网上银行，就不用去营业厅了。

If you have online banking, then you don't need to go to the service hall.

If... then... structure (如果...就...).

3

这家银行的网上银行界面非常简洁。

The online banking interface of this bank is very simple.

Possessive '的' connecting bank and service.

4

通过网上银行，我可以轻松地支付水电费。

Through online banking, I can easily pay utility bills.

Using '通过' (through) as a preposition.

5

我的网上银行今天出了一点问题，登录不上去。

My online banking had a bit of a problem today; I can't log in.

Potential complement '登录不上去' (unable to log in).

6

老师教我们如何安全地使用网上银行。

The teacher taught us how to use online banking safely.

Verb '教' (teach) followed by two objects.

7

网上银行的转账限额是多少？

What is the transfer limit for online banking?

Compound noun '转账限额' (transfer limit).

8

开通网上银行需要本人带身份证去吗？

Do I need to bring my ID card in person to activate online banking?

Using '本人' (self/in person) for emphasis.

1

网上银行的兴起极大地改变了人们的理财方式。

The rise of online banking has greatly changed people's ways of managing money.

Using '极大地' (greatly) as an adverb.

2

虽然网上银行很方便，但我们也必须警惕网络诈骗。

Although online banking is convenient, we must also be wary of online scams.

Concession structure '虽然...但...'.

3

很多银行都在升级他们的网上银行系统以提高安全性。

Many banks are upgrading their online banking systems to improve security.

Using '以' (in order to) in a formal context.

4

企业网上银行的功能通常比个人版的更复杂。

The functions of corporate online banking are usually more complex than the personal version.

Comparison using '比'.

5

他在网上银行购买了一款年化收益率很高的理财产品。

He purchased a wealth management product with a high annual yield on online banking.

Complex noun phrase as an object.

6

由于系统维护，网上银行将在今晚午夜暂停服务。

Due to system maintenance, online banking will suspend service at midnight tonight.

Formal cause-effect using '由于'.

7

网上银行的普及使得跨行转账变得更加容易。

The popularization of online banking has made interbank transfers much easier.

Causative verb '使得' (to make/cause).

8

用户可以根据需要自行设置网上银行的单日交易限额。

Users can set their own daily transaction limits for online banking according to their needs.

Adverb '根据' (according to).

1

网上银行的数字化转型不仅是技术更新，更是服务理念的变革。

The digital transformation of online banking is not just a technical update, but a change in service philosophy.

Not only... but also... (不仅...更是...).

2

为了防范风险，网上银行采用了多重身份认证机制。

To prevent risks, online banking has adopted multiple identity authentication mechanisms.

Formal vocabulary like '防范风险' and '认证机制'.

3

随着金融科技的发展，传统的网上银行正面临着巨大的挑战。

With the development of Fintech, traditional online banking is facing huge challenges.

Using '随着' (along with/as) to indicate a trend.

4

该银行的网上银行平台集成了人工智能客服，能够实时解答用户疑问。

The bank's online banking platform integrates AI customer service, capable of answering user questions in real-time.

Verb '集成' (integrate) and '能够' (be able to).

5

网上银行的便捷性在很大程度上促进了小微企业的资金周转。

The convenience of online banking has, to a large extent, promoted the capital turnover of small and micro-enterprises.

Abstract noun phrase '在很大程度上' (to a large extent).

6

通过对网上银行大数据的分析，银行可以为客户提供个性化的金融服务。

By analyzing big data from online banking, banks can provide personalized financial services to customers.

Using '通过对...的分析' (through the analysis of...).

7

政府出台了相关政策，以规范网上银行的运营并保护消费者权益。

The government has introduced relevant policies to regulate the operation of online banking and protect consumer rights.

Formal structure '以...并...' (to... and...).

8

网上银行的跨境支付功能为国际贸易提供了极大的便利。

The cross-border payment function of online banking has provided great convenience for international trade.

Compound noun '跨境支付' (cross-border payment).

1

网上银行的演进史折射出中国从传统金融向数字金融跨越式发展的历程。

The evolution of online banking reflects China's leapfrog development from traditional finance to digital finance.

Literary verb '折射' (reflect/refract).

2

在普惠金融的背景下，网上银行成为了触达偏远地区用户的重要媒介。

In the context of inclusive finance, online banking has become an important medium for reaching users in remote areas.

Formal phrase '在...的背景下' (against the backdrop of...).

3

网上银行系统的稳健性直接关系到国家金融体系的安全性。

The robustness of online banking systems is directly related to the security of the national financial system.

Abstract noun '稳健性' (robustness/stability).

4

随着区块链技术的成熟，未来的网上银行有望实现更加透明和高效的去中心化交易。

With the maturation of blockchain technology, future online banking is expected to achieve more transparent and efficient decentralized transactions.

Using '有望' (is expected to/hopeful to).

5

网上银行的算法推荐机制在提升用户体验的同时，也引发了关于隐私保护的广泛讨论。

While the algorithmic recommendation mechanism of online banking enhances user experience, it has also sparked widespread discussion about privacy protection.

Structure '在...的同时，也...' (while..., also...).

6

监管机构对网上银行的资本充足率和风险暴露情况进行了严格的审查。

Regulatory authorities conducted a strict review of the capital adequacy ratio and risk exposure of online banking operations.

Highly technical financial terminology.

7

网上银行的普及不仅消弭了地理障碍，还加速了资本在全球范围内的流动。

The popularization of online banking has not only eliminated geographical barriers but also accelerated the flow of capital on a global scale.

Formal verb '消弭' (eliminate/put an end to).

8

通过深度学习技术，网上银行能够更精准地识别并拦截异常交易行为。

Through deep learning technology, online banking can more accurately identify and intercept abnormal transaction behaviors.

Using '更精准地' (more accurately) as an adverb.

Common Collocations

登录网上银行
开通网上银行
网上银行转账
个人网上银行
企业网上银行
网上银行密码
网上银行安全
网上银行系统
网上银行客户端
网上银行限额

Common Phrases

用网银付钱

— Using net-banking to pay. A very common way to describe digital payment.

你可以用网银付钱，很方便。

网银转账记录

— The history or record of transfers made via online banking. Used for proof of payment.

请把网银转账记录发给我看下。

开通网银功能

— Activating the net-banking feature on a bank card.

我的卡还没开通网银功能。

网银盾

— The physical USB security key (U-shield) for online banking.

用网银盾转账更安全。

登录网银失败

— Failed login attempt for online banking.

我今天登录网银失败了好几次。

网银支付接口

— The technical API or gateway for online banking payments on websites.

网站需要接入网银支付接口。

重置网银密码

— Resetting the online banking password, usually after forgetting it.

我得去银行重置网银密码。

网银助手

— Small software programs provided by banks to help with security and login.

安装网银助手可以解决登录问题。

网银跨行转账

— Transferring money from one bank's online platform to a different bank.

网银跨行转账现在免手续费。

网银对账单

— An online banking statement showing all transactions.

我每个月都会查网银对账单。

Idioms & Expressions

"足不出户"

— Literally 'not setting foot outside the house.' Often used to describe the convenience of online banking.

有了网上银行，我们可以足不出户办理业务。

Common Idiom
"随时随地"

— At any time and any place. Describes the accessibility of digital services.

网上银行让我们可以随时随地管理财务。

Common Phrase
"轻而易举"

— Extremely easy. Used to describe how simple transactions have become.

通过网银转账简直是轻而易举。

Common Idiom
"日新月异"

— Changing with each passing day. Describes the rapid development of online banking technology.

网上银行的技术发展日新月异。

Formal Idiom
"防不胜防"

— Hard to guard against. Used in the context of sophisticated online banking scams.

现在的网银诈骗手段让人防不胜防。

Common Idiom
"一目了然"

— Clear at a glance. Describes well-designed online banking interfaces.

账户余额在网银首页上一目了然。

Common Idiom
"事半功倍"

— Half the effort, twice the result. Using online banking instead of visiting a branch.

学会用网银，处理财务能事半功倍。

Common Idiom
"息息相关"

— Closely linked. Describes how online banking is tied to our daily lives.

网上银行的安全性与我们的财产息息相关。

Formal Idiom
"大势所趋"

— The general trend of events. Describes the inevitable shift to online banking.

银行业数字化转型是大势所趋。

Formal Idiom
"安如泰山"

— As secure as Mount Tai. Used by banks to market the safety of their online platforms.

我们的网上银行系统安如泰山。

Literary Idiom

Word Family

Nouns

银行 (Bank)
网络 (Network/Internet)
网站 (Website)
网民 (Netizen)
银行业 (Banking industry)

Verbs

上网 (To go online)
联网 (To connect to a network)
行销 (To market/sell)
储蓄 (To save money in a bank)

Adjectives

网上的 (Online)
银行的 (Banking/Bank's)
电子的 (Electronic)

Related

转账 (Transfer)
余额 (Balance)
支付 (Pay)
密码 (Password)
账号 (Account)
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Memorize It

Mnemonic

Think of a 'Net' (网) catching 'Silver' (银) from 'Above' (上) in a 'Row/Firm' (行). Online banking is the net that catches your money.

Word Origin

The term emerged in the late 1990s and early 2000s as Chinese commercial banks began offering services via the World Wide Web. It is a modern neologism created by combining the existing words for 'online' and 'bank'.

Original meaning: A bank service accessed through a web browser.

Sino-Tibetan (Chinese Mandarin).
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