Credit cards can be cashed out across banks, but a certain handling fee is required. Different banks will charge different fees, and the more the cash withdrawal, the more the handling fee. In addition to the handling fee, credit card withdrawal also charges interest. Interest will be charged after withdrawal. Generally, interest will be calculated at a daily interest rate of five ten thousandths until the withdrawal amount is paid off.

Inter-bank withdrawal is a withdrawal from a non-deposit bank, which is generally used for ATM withdrawal. Cross-bank withdrawals generally charge fees ranging from 2 to 50 yuan, and some banks do not charge fees for the first 2 to 3 cross-bank withdrawals every month. After all state-owned banks implemented the 4 yuan standard of inter-bank charges in the same city, some joint-stock banks also formally raised this charge from 20 10.

In order to reduce the cost of resident transfer. 26 1 issued by the central bank on September 30th, 20 16 stipulates that banks will charge off-site handling fees for off-site deposit and withdrawal, transfer and other businesses within the bank, which will be free within three months from the date of issuance 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 cash withdrawal and transfer in different places are free.

From July 25th, 20021year, ATM withdrawals from industrial, agricultural, Chinese, construction, communications and postal savings banks are free.

Knowledge expansion:

Measures for the Administration of Bank Cards Article 45 A card-issuing bank shall observe the following risk control indicators for credit card business:

(1) The single overdraft amount of the same cardholder's personal card shall not exceed 20,000 yuan (including equivalent foreign currency), and the single overdraft amount of the corporate card shall not exceed 50,000 yuan (including equivalent foreign currency).

(2) The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency).

(3) The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of certificates of deposit).

(4) The monthly average overdraft balance that newly occurs over 180 days (including 180 days, the same below) since the implementation date of these Measures shall not exceed 15% of the monthly average overdraft balance.