diff --git a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/BankService.java b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/BankService.java
index 095510d4f..54fceec58 100644
--- a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/BankService.java
+++ b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/BankService.java
@@ -22,7 +22,7 @@ public interface BankService {
    * 文档地址：<a href="https://pay.weixin.qq.com/wiki/doc/apiv3_partner/Offline/apis/chapter11_2_1.shtml">https://pay.weixin.qq.com/wiki/doc/apiv3_partner/Offline/apis/chapter11_2_1.shtml</a>
    * </pre>
    *
-   * @param accountNumber 银行卡号	该字段需进行加密处理，加密方法详见敏感信息加密说明。(提醒：必须在HTTP头中上送Wechatpay-Serial)
+   * @param accountNumber 银行卡号
    * @return BankAccountResult 对私银行卡号开户银行信息
    * @throws WxPayException .
    */
diff --git a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/BankServiceImpl.java b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/BankServiceImpl.java
index 623a787d9..b6344cba4 100644
--- a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/BankServiceImpl.java
+++ b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/BankServiceImpl.java
@@ -4,10 +4,13 @@ import com.github.binarywang.wxpay.bean.bank.*;
 import com.github.binarywang.wxpay.exception.WxPayException;
 import com.github.binarywang.wxpay.service.BankService;
 import com.github.binarywang.wxpay.service.WxPayService;
+import com.github.binarywang.wxpay.v3.util.RsaCryptoUtil;
 import com.google.gson.Gson;
 import com.google.gson.GsonBuilder;
 import lombok.RequiredArgsConstructor;
 
+import java.net.URLEncoder;
+
 /**
  * 微信支付-银行组件
  *
@@ -20,6 +23,12 @@ public class BankServiceImpl implements BankService {
 
   @Override
   public BankAccountResult searchBanksByBankAccount(String accountNumber) throws WxPayException {
+    try {
+      String encryptAccountNumber = RsaCryptoUtil.encryptOAEP(accountNumber, this.payService.getConfig().getVerifier().getValidCertificate());
+      accountNumber = URLEncoder.encode(encryptAccountNumber, "UTF-8");
+    } catch (Exception e) {
+      throw new RuntimeException("银行卡号加密异常!", e);
+    }
     String url = String.format("%s/v3/capital/capitallhh/banks/search-banks-by-bank-account?account_number=%s", this.payService.getPayBaseUrl(), accountNumber);
     String response = payService.getV3WithWechatPaySerial(url);
     return GSON.fromJson(response, BankAccountResult.class);