written answer is more important than verbal answer

636 95588 hotline is 24/7. All branches are Mon-Sat, no Sunday branch.

multi-currency savings account can accept USD via TT.

— wife’s difficulty
Sugg 1: open account at BOC to receive from icbc.cn
Sugg 2: retry in 6M and give a better “purpose”

Sembawang is the most convenient branch to bring wife to

Q: if I help wife open an account but end up leave it unused, is there any regret?
A (after discussing with Wayne): nothing. We can close the account after 6M

— to avoid soft-closure, need some transactions every 12M. Giro may not count, but incoming/outgoing FAST counts
— USD/RMB/SGD (any ccy) TD.. no penalty for early termination. If you withdraw a 6M TD within 5M, you receive 5M worth of savings interest, without loss of principal. Therefore, it’s safe to use auto-renew. Better than BOC.

You can also disable auto-renew.

Partial withdrawal .. unsupported.

— deposit USD … ($100 notes only).  1% handling fee with no mimimum
deposit Rmb FOC, but only Rmb100 notes, inferior to BOC.sg
— USD transfer within Sgp
local Cashier’s Order .. first one of the day is free.
receiving cheque is free.
— USD 工银速汇 to ICBC.cn (unneeded now)
No charge by ICBC.sg
— my accounts

• ccy TD: *5518
• SGD TD: *7326

Each card number is considered an account; the savings account number is another account.  FAST outbound .. Source account can be any of them.
— webank tips:

• For tx history .. MyAC -> CheckAccount -> change currency -> search
• For FAST out .. OutwardRemittance -> LocalSGD -> choose template
• .. FAST minimum $1 and no upfront reminder !
• ExternalTransfer means intra-bank to wife’s ICBC account
• login: tiger40490/T08xxxxxx. Hardware token is a pain. There is a soft token in the mobank.