First, ICBC, China Merchants Bank and China Construction Bank should pay attention to these new regulations.
1. There is no handling fee for withdrawals and transfers from the same bank in different places. In order to reduce the cost of resident transfer. The central bank issued 26 1 on September 30th, which stipulated that all banks will be free to accept and pay cash and transfer money in different places within three months from the date of this notice. That is to say, at the latest around 20 17 65438+ 10/0, citizens will handle the transfer business in the same bank, and the withdrawal and transfer in different places are free. 2. Each bank can only handle one savings card. According to the regulations of the central bank 20 16 12 1, the same person can only open a first-level account (bank settlement account, including bank card, the same below) in the same bank. If a first-level account has been opened, a second-level account or a third-level account shall be opened for the new account. 3.ATM transfer can be cancelled within 24 hours. ATM, mobile phone and online banking are in trouble. If you transfer money at ATM, whether you choose real-time, ordinary or next day, it will take 24 hours to receive it. If you transfer the wrong account or get cheated, you can recover the money, but beware of new scams!
Second, WeChat, Alipay and other restrictions on the transfer amount
Banks and payment institutions reach an agreement with customers on the limit and quantity of transactions in advance. If the amount exceeds the limit and the number of transactions, you can go to the bank counter for bank transfer, but not for payment account. Strengthen security verification means. In addition to transferring money to my bank account, the bank also handles non-counter transfer business for individuals. If the daily accumulated amount exceeds 50,000 yuan, a safe and reliable payment instruction verification method such as digital certificate or electronic signature shall be adopted. Set reminders for large transactions. If the total number of non-counter transfer days in bank accounts of units and individuals exceeds 6.5438+00,000 yuan and 300,000 yuan respectively, the bank shall remind them of large transactions, and the units and individuals can only transfer the funds after confirmation.
Need to remind everyone that China Merchants Bank can use mobile banking and online banking for domestic RMB transfer and remittance free of charge with one card, and the number and amount are not limited. It's just that the maximum daily transfer amount of each channel is different.