There is generally no handling fee for cross-bank transfer of mobile banking. There is no handling fee for cross-bank transfer under 5000 yuan in mobile banking. The five major banks of industry and commerce, agriculture, construction, China and transportation jointly announced that customers can handle domestic RMB transfer and remittance through mobile banking, and there is no handling fee for inter-bank transfers below 5,000 yuan in different places or local banks. If it exceeds 5,000 yuan, the charging standard of each bank is different, and the specific standard needs to be subject to the regulations of the local bank.

It is very convenient for mobile banking channel to handle inter-bank transfer business. Because the cost of mobile banking is low. Any fees charged by the bank are well-founded. Inter-bank transfer, if you transfer money through mobile banking, you don't need a bank counter to handle business, and the cost will be much lower. Since the cost is low, you don't have to spend so much money, and you don't have to charge or reduce the handling fee.

In addition, most banks don't need to charge for cross-bank transfer by mobile banking. This is a regulation issued by the state. The state encourages domestic RMB transfer through mobile banking, and no handling fee is charged for cross-bank transfer in different places. Domestic RMB transfer and remittance handled by customers through mobile banking are free of charge regardless of cross-bank in different places. It should be noted that some banks have quota restrictions on fee-free transfer. For example, Bank of Communications uses mobile banking for inter-bank transfer. If it exceeds 50,000 yuan, a handling fee of 0.24% of the transfer amount will be charged, and each handling fee will be capped in 40 yuan.

Finally, different banks have different methods of inter-bank transfer, so the fees charged are different. Online banking transfer: some banks with a transfer amount of less than 5,000 yuan are free. If the transfer amount is 5000 to 10000 yuan, ICBC, CCB and ABC are 5 yuan/transaction, Bank of Communications is 8 yuan/transaction, and Bank of China is 10 yuan/transaction. If the transfer amount is 10000 to 50000 yuan, ICBC, CCB and ABC are all in 7.5 yuan, Bank of Communications is 12 yuan and Bank of China is 15 yuan. If the transfer amount is more than 50,000 yuan, the handling fee ratio of ICBC, CCB and ABC is 0.0 15%, with 25 yuan capped, Bank of Communications 0.24%, Bank of China 0.03% and 50 yuan 0.03%.

First, there is a limit for inter-bank transfer of mobile banking, and the limit is also divided into single transfer limit and daily transfer limit. The setting of inter-bank transfer limit of mobile banking varies from bank to bank, but it is generally enough to meet the daily transfer needs of users. If users think that the limit is too high, they can also take the initiative to apply for lowering the limit to improve the safety of funds.

If you often need to transfer large amounts of money, it is best to keep the maximum amount unchanged so as not to delay the daily transfer.