At present, there are usually two ways for banks to remit money in different places, one is to remit money directly to the bank's counter, and the other is to remit money through online banking or telephone banking.
■ Industrial and Commercial Bank of China
Handling fee: ICBC provides two remittance methods. One is to remit money with a co-branded card, and the handling fee is 1% of the remittance amount. The remittance fee is the lowest 1 yuan and the highest in 50 yuan. Second, peony card remittance, there is no remittance procedure.
Online banking: the lowest 5 yuan and the highest 50 yuan for each transaction.
Arrival time: Remittance from Linktone Card will arrive within 24 hours, and remittance from Peony Card will arrive within 3-5 working days.
■ Agricultural Bank of China
Handling fee: There are two kinds of remittance: deposit remittance and electronic remittance. Minimum handling fee for deposit remittance 1 yuan. If the price exceeds 1 0,000 yuan, the fee will be charged at 0.5%. The minimum handling fee for electronic remittance is 1 yuan, and if it exceeds 100 yuan, it will be charged as 1%.
Online banking: remittance at the same counter.
Arrival time: arrive immediately.
■ Bank of China
Handling fee: Our remittance handling fee is 0.65438+ 0% of remittance amount, ranging from 5 yuan to 500 yuan. In other words, the remittance fee of less than 5,000 yuan is 5 yuan, and the remittance fee of more than 5,000 yuan is 0.65438+ 0% of the remittance amount.
Arrival time: the next day.
■ China Construction Bank
Handling fee: the lowest handling fee 1 yuan, and the highest handling fee is 50 yuan.
Online banking: the minimum amount of each transaction is 1 yuan, and the maximum amount does not exceed 30 yuan.
Telephone banking: the minimum per transaction is 1 yuan, and the maximum is not more than 40 yuan.
Arrival time: in both cases, if the remittance bank is in a networked city, it will arrive two hours after remittance; Otherwise, it will take 3 ~ 5 working days to get the account.
■ Bank of Communications
Handling fee: 0.05% handling fee is charged for remittance between peers, with the lowest 10 yuan and the highest 50 yuan; Inter-bank remittance charge 1%, the highest charge is 50 yuan.
Arrival time: arrive immediately.
■ China Merchants Bank
Handling fee: There are two kinds, one is fast remittance, and the lowest handling fee is 5 yuan. If it exceeds 1 0,000 yuan, 0.5% will be charged, which is applicable to remittance within 1 10,000 yuan. The other is electronic remittance, the lowest handling fee is 10 yuan, and the remittance handling fee is 1% of the remittance amount, and the highest is 50 yuan, which is suitable for remittance amount of 10000 yuan or more.
Online banking: each 5 yuan, inter-bank remittance 10 yuan.
Arrival time: fast remittance will arrive immediately, and electronic remittance will arrive within 2 ~ 3 working days.
■ China Everbright Bank
Handling fee: The handling fee is 0.5% of the remittance amount, ranging from 2 yuan to 20 yuan.
Arrival time: arrive immediately.
■ Huaxia Bank
Handling fee: the handling fee is 0. 1% of the remittance amount, with a minimum of 1 yuan and a maximum of 10 yuan.
Arrival time: arrive immediately.
■ Postal savings
Handling fee: 0.5% of the remittance amount is charged, up to 50 yuan.
Arrival time: immediate arrival, except for a few remote areas without network.
■ Among them, Bank of Communications directly charges the client for inter-bank remittance and postal savings.
Remittance from different places saves money
Many details in life can open source and reduce expenditure, even remittances from different places that people seldom pay attention to. Few people have noticed that the fees charged by banks vary greatly. But a reader friend of Science Investment magazine saw this. According to the reader named Sun Jun, he can "dig" out several hundred yuan from the handling fee every year. Strictly speaking, Sun Jun is just an "individual user", and the money on the road is limited. If you are in business, you can save a lot by mastering the correct remittance method, hehehe.
It has been more than four years since Sun Jun graduated from university. Filial piety, he sends money home every month, ranging from 500 yuan to 1 10,000 yuan. In the first year of graduation, he first worked in a company to solve the hukou. At that time, he didn't know that he could send money through the bank, so he always chose to send money through the post office. When the postal remittance is less than 100 yuan, the 2 yuan will be charged; when it is more than 100 yuan, the fee will be charged at 1% of the remittance amount. Therefore, he spends as little as 5 yuan a month and as much as a few months, and the handling fee alone will cost tens of dollars.
At the end of 2002, Sun Jun, who obtained a Beijing hukou, started his own business and opened a small gift shop. In order to expand the supply of goods and varieties of goods, he not only buys goods from the wholesale market in Beijing, but also often collects the information of gift factories from all over the Internet, confirms the orders by email, and then remits them to the manufacturers through the bank. According to the manufacturer's suggestion, Sun Jun has always chosen China Agricultural Bank to remit money without formalities, which can save a lot of money than the post office or other banks. However, since February 2004, the Agricultural Bank of China has also started to collect remittance fees from different places. At first, Sun Jun didn't care about the cost of more than ten yuan, but after a long time, he found that this figure was not small.
Sun Jun's income is much higher than that of four years ago. In most cases, he sends home 1000-3000 yuan every month. He can't go home at the end of the year because he is too busy with business, so he will send more money. At present, he only needs to buy remittances seven or eight times a month, and the average monthly purchase amount is 654.38+100000 yuan, which means that the monthly remittance fee is several hundred yuan. A year later, this is definitely not a small sum. Especially recently, Sun Jun's sister went abroad to study. In order to ensure his life and study abroad, Sun Jun often sends money abroad, and the handling fee is even more important to him.
As a result, Sun Jun began to consciously choose different banks and compare the different remittance methods of each bank. To this end, he also made a comparative record very carefully.
Comparison of domestic bank remittances
At present, there are usually two ways of bank remittance, one is to remit money directly to the counter of the bank, and the other is to remit money through online banking or telephone banking.
agricultural bank
Handling fee: There are two kinds of remittance: deposit remittance and electronic remittance. Minimum handling fee for deposit remittance 1 yuan. If the price exceeds 1 0,000 yuan, the fee will be charged at 0.5%. Because many areas in China have not yet opened the charging service, they can also enjoy the preferential treatment of free handling fee for the time being. The minimum handling fee for electronic remittance is 1 yuan. If it exceeds 100 yuan, it will be charged at 1%.
Receiving time: real-time receiving.
Online banking: remittance at the same counter.
Disadvantages: there are two kinds of remittance: whether there is a card or not and remittance. Remittance without a card means that you don't need to apply for a bank card and remit it directly to the designated bank card in cash. However, at present, most ABC outlets can't confirm the name of the payee when using the card-free remittance, so once the card number is filled incorrectly, it may lead to remittance to other people's accounts. If you want to withdraw money again, it is very troublesome to get the confirmation of the payee. In addition, it is impossible to send money online from 8 pm to 8 am the next day.
China Merchants Bank
Handling fee: There are two kinds, one is fast remittance, and the lowest handling fee is 5 yuan. If the price exceeds 1 0,000 yuan, the fee will be charged at 0.5%. Suitable remittance amount is within 1 1,000 yuan; The other is electronic remittance, the minimum handling fee is 10 yuan, the remittance procedure is 1% of the remittance amount, and the maximum capping handling fee is 50 yuan, which is applicable to remittance amount above 10000 yuan.
Payment time: express remittance can be received in real time; The time for electronic remittance to arrive is 2-3 working days.
Online Banking: 5 yuan for each charge. Inter-bank remittance fee 10 yuan.
Disadvantages: If the remittance is lower than that in 500 yuan, it will cost the most compared with other banks. When remitting money through online banking, if the payee is a peer remittance, you need to click "Peer Express Remittance", otherwise, you will be charged by 10 yuan.
China construction bank
Handling fee: the lowest handling fee 1 yuan, and the highest handling fee is 50 yuan.
Remittance method: the remitter must hold a bank card.
Receiving time: There are two situations. If the remittance bank is in a networked city, it can be received within 2 hours after remittance; If the remittance bank is not in a networked city, it will arrive in 3-5 working days.
Online banking: the minimum amount of each transaction is 1 yuan, and the maximum amount does not exceed 30 yuan.
Telephone banking: the minimum per transaction is 1 yuan, and the maximum is not more than 40 yuan.
Disadvantages: CCB remittance, the remitter must hold a CCB savings card before remittance. If there is no savings card, the handling fee of 10 yuan is required for handling the CCB Dragon Card. Although the remittance can reach the account within 2 hours at the earliest, the payee can't check the account details on the same day.
Industrial and Commercial Bank of China
Handling fee: ICBC provides two transfer methods. One way is to remit money with a smart card, and the handling fee is 1% of the remittance amount. The remittance fee is the lowest 1 yuan and the highest in 50 yuan. Second, peony card remittance, there is no remittance procedure.
Arrival time: Remittance from Linktone Card will arrive within 24 hours, and remittance from Peony Card will arrive within 3-5 working days.
Online banking: the lowest 5 yuan and the highest 50 yuan for each transaction.
Disadvantages: ICBC is usually crowded, and ICBC in large and medium-sized cities needs to queue up and take a long time to process. Online banking cannot remit money on weekends and holidays.
Bank of Communications
Handling fee: 1 less than RMB 0,000 1%, 1 more than RMB 0,000 10 yuan. The biggest feature of Bank of Communications is that it can automatically deduct the handling fee from the remittance, and even share the handling fee with the remitter and payee.
Arrival time: Real-time arrival.
Disadvantages: less points.
Bank of China
Handling fee: Our remittance handling fee is 0. 10% of the remittance amount, ranging from 5 yuan to 500 yuan. That is to say, the remittance fee of less than 5,000 yuan is 5 yuan, and the remittance of more than 5,000 yuan is charged 0. 10% of the remittance amount.
Arrival time: the next day.
Disadvantages: Most BOC outlets will be closed on weekends and holidays.
Everbright Bank
Handling fee: the lowest 2 yuan, the highest 20 yuan. The handling fee is 0.5% of the remittance amount.
Arrival time: Real-time arrival.
Disadvantages: China Everbright Bank occupies a small area, and many areas cannot remit money.
After understanding the characteristics of bank charges, Sun Jun adopted different remittance methods.
I got a peony card in Beijing because I have a Beijing hukou. When his sister was still in China, he used her name to get a peony card for her in her hometown. So you don't have to pay any handling fee every time you remit money home.
There is a Everbright Bank near Sun Jun's home, so as long as the manufacturer can provide an account number of Everbright Bank, it must first use Everbright Bank to remit money. Secondly, when the purchase capital does not exceed 6000 yuan, the deposit remittance of Agricultural Bank of China is generally selected; When it exceeds 6,000 yuan, try to use CCB's online remittance, with the maximum amount of 30 yuan, which can generally save him 5-20 yuan handling fee every time.
Sun Jun calculated an account. If you remit money six times a month on average, the average remittance amount is 2000 yuan. If ICBC is selected for remittance, the handling fee for each remittance is 20 yuan. Agricultural Bank deposit remittance fee 10 yuan, which can save 50%. For remittances above 6,000 yuan, most banks charge 50 yuan, which is the highest. As long as you use CCB's online banking at most, you can save 40%.
Comparison of foreign exchange remittance methods
Ordinary remittance: This is the most commonly used remittance method. Its advantage is that the remittance amount is relatively large, and there is no restriction on the original remittance of cash account funds, and the cash account or cash remittance amount is within 50 thousand dollars. You can go directly to the bank by providing relevant supporting documents stipulated by the State Administration of Foreign Exchange. The ordinary remittance fee is charged at 1‰ of the remittance amount, with a minimum of 20 yuan and a maximum of 200 yuan yuan; The remittance of post and telecommunications fees to Hong Kong and Macao is within 50 yuan, within 80 yuan and outside Hong Kong and Macao. Cash remittance also charges cash conversion fee. Ordinary remittance usually takes 3 days to reach the other party's account.
Sun Jun comments: At present, the handling fee for ordinary remittance has decreased compared with that before adjustment. The original highest charging standard in 500 yuan was lowered to 300 yuan, and the post and telecommunications fees were adjusted from 80 yuan and 120 yuan to 50 yuan and 80 yuan. For large bills of exchange, you can save a lot of money, especially for customers with cash deposits. When filling out the money order, be sure to confirm the name of the other party and the account number of the foreign bank. Once the remittance is made, you need to modify the remittance information or refund the remittance. The bank will charge each 20 yuan modification fee or 50 yuan remittance refund and telecommunication fee.
Western Union Remittance: As an international remittance, "Western Union Remittance" jointly implemented by Western Union Company and Agricultural Bank of China is a good remittance method. Most remittances to relatives, friends and international students abroad will choose this method. The maximum amount of Western Union remittance is $65,438+00,000 yuan. Remittances above $7,200 can only be processed after Western Union is authorized.
Sun Jun comments: The biggest feature of Western Union remittance is its fast remittance speed, many outlets, no need to open a bank account, no agency fee, and the same price of paper money and remittance. The regret of this remittance method is that the foreign currency that can be handled is limited to US dollars, and the remittance amount can only be up to US$ 65,438+0,000, and only person-to-person remittance is accepted. It is worth noting that the remittance fee is charged in US dollars. When handling Western Union remittance, customers should carry proof of identity and purpose, and remittance banks should review relevant documents.
Jinsui International Debit Card: Now more and more citizens travel around the world with their bank cards. Jinsui International Debit Card promoted by Agricultural Bank of China is a universal bank card. 1 The main card can carry four sub-cards, which can realize fast remittance in different places. As long as you carry a supplementary card, you can withdraw money in consumption abroad, and the main card can also know the overseas consumption of the supplementary card through the statement.
Sun Jun comments: No matter how much money is withdrawn from foreign ATMs, a handling fee of $3 is charged for each withdrawal. In contrast, it is more cost-effective to spend abroad with Jinsui International Debit Card. It should be noted that there are two kinds of Jinsui debit cards: MasterCard (PMC) card and Everything Shun (PDC) card. MasterCard can be used offline, so there are many merchants who accept this card, and smooth things can only be used online, so the number of merchants and outlets accepted is very limited.