At present, most banks do not charge fees for online bank transfers, especially for small amounts (below 5,000 yuan). According to the comparison of China Bank, China Construction Bank, Bank of Communications, Agricultural Bank and Industrial and Commercial Bank.
At present, except for Bank of Communications, which charges for mobile banking transfer, other banks have not responded to the charges, especially the Bank of Communications has transferred more than 50,000 yuan.
A handling fee of 0.24% will be charged, but the handling fee in 40 yuan is capped. Therefore, the transfer of mobile banking is determined by different banks and different transfer amounts.
Extended data:
There are two kinds of fees in the banking system:
1. The interest other than the loan is collectively referred to as the handling fee. Such as: interest generated by installment repayment of credit cards, interest generated by overdue credit cards;
Second, the cost of banking business.
1. Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 300 yuan. In 3 yuan/quarter, the debit card withdrawal fee of our bank in the same city is free, and the inter-bank withdrawal in the same city is 4 yuan/transaction; Credit card deposits in different places are free of handling fees, and the minimum for each withdrawal is 1% of the amount charged, and the maximum is 1 yuan, and the maximum is 50 yuan.
2. Agricultural Bank of China: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and 2 yuan/pen is withdrawn from banks in the same city (4 yuan, Guangdong); 1% of the amount charged for cash withdrawal by credit card, with a minimum of 1 yuan/transaction, and other banks will add 2 yuan inter-bank handling fee.
3. China Construction Bank: the charge for card swiping is 5 yuan, and the annual fee is 10 yuan/year, which is lower than that of 3 yuan/quarter, and 400 yuan's small account management fee is charged, and inter-bank withdrawals are made from 4 yuan in the same city 1%.
4. Bank of China: Credit card processing fee is 5 yuan, annual fee 10 yuan/year. The account management fee is not small, and banks in the same city withdraw money from 4 yuan.
5. Bank of Communications: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter. The same city/transaction bank withdraws money from 2 yuan.
6. Postal savings: credit card processing fee in 5 yuan, inter-bank withdrawal in the same city 4 or 12 yuan/transaction. Most provinces and cities do not charge annual fees and small account management fees.
7. China Minsheng Bank: It is free to apply for the card, with no annual fee and no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.
8. China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals from banks in the same city are free every month, and then 2 yuan/pen.
9. CITIC Bank: It is free to apply for the card, and there is no annual fee and small account management fee. The first two withdrawals in the same city are free every month, and then 2 yuan/pen.
10, Huaxia Bank: card handling is free, no annual fee, no small account management fee, and the first withdrawal in the same city 1 is free every day (note 1: every day is not every month), and then 2 yuan/transaction.
1 1, Shanghai Pudong Development Bank: it is free to apply for a card, and there is no annual fee. 2 yuan/bank withdrawal in the same city, account management fee 12 yuan/year. If the balance in the account is always above 1000 yuan, or if POS swipes the card within one year (it doesn't matter how much, they are just encouraging the use of the card), it will be exempted.
12, Industrial Bank: card handling is free, no annual fee, no small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.
13, China Merchants Bank: it is free to apply for a card, and there is no annual fee. 2 yuan/transaction for interbank withdrawals in the same city (withdrawal fees vary in some cities), and account management fee: the assets of the same customer in the bank are less than 10000 yuan.
1-5 yuan/month (at the discretion of each branch, Beijing 1 yuan, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, the rest I don't know), in which "daily average assets" refers to the sum of all deposits and national debt in the bank.
For example, if you deposit a time deposit certificate of 10000 yuan in China Merchants Bank and apply for 10 bank cards, and each card has no money, then this 10 card will not be charged.
But you have three cards, and the deposits in the cards are 3000 yuan, 2000 yuan and 2000 yuan respectively, and the total is less than 10000, so each card will be charged.
14. SDB: it is free to apply for the card, and there is no annual fee, which is lower than the small account management fee charged by 300 yuan (1 yuan/month), but it can be exempted for one year only by spending 1 time on the POS card, so it is basically not accepted, and interbank withdrawals in the same city are completely free (except Shenzhen, Chengdu and Chongqing, 2 yuan/pen).
15, China guangfa bank: card handling is free, no annual fee, no small account management fee, and the first three withdrawals per month are free, regardless of the same city or different places, and then 3 yuan/transaction.
16. Bohai Bank: In principle, 20 yuan charges an annual fee of 20 yuan/year and an account management fee of less than 5,000 yuan of 5 yuan/month, but in fact, it is free to apply for a card, and there is no annual fee and small account management fee.
Inter-bank withdrawals in the same city are completely free. This is a newly established bank with a national license (there are 18 banks in China). At present, there are only branches in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan and Chengdu.
17, hengfeng bank: it is free to apply for the card, and there is no annual fee and small account management fee. It draws money from 2 yuan/transaction nationwide. At present, the bank only has branches in Yantai, Qingdao, Jinan, Hangzhou and Nanjing.
18, Zheshang Bank: Card 10 yuan, annual fee 10 yuan/year, no small account management fee, free of charge for the first three withdrawals in the same city every month, and then 2 yuan/transaction. At present, the Bank only has branches in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi and Tianjin.
19, Bank of Nanjing: All fees are free, and there is no arbitrary charge for withdrawing money from any ATM in China.
20. Harbin Bank: ATM machines with the "UnionPay" logo can be posted in cities across the country for cash withdrawal without any charge.
Baidu encyclopedia-handling fee