Third party pays the bank transfer market

Herald reporter Yong Jinan report

The Spring Festival is approaching, and a new round of transfer will come. The banks have been vying for the market for Cross-border personal transfers, and this year is no exception, with banks trying to attract customers by varying degrees of transfer fees. Banks are busy playing price wars, and third party payments companies that have paid licences cannot restrain themselves from grabbing the market.

A few days ago, Alipay launched the transfer of preferential policies, http://www.aliyun.com/zixun/aggregation/6579.html "> Users use Alipay to transfer funds directly to the payee's bank account, the first 5000 yuan per day to transfer free of charge below the transaction fee.

have introduced preferential measures

Recently, Alipay official website announced that, before February 8, Alipay users to use the transfer to the bank card business, the first to create a daily transfer to the card transaction, and the amount created within 5000 yuan, you can enjoy free service fee concessions.

According to Alipay, the transfer to card service does not require the user to enter the recipient's bank information, simplifying the transfer process, for users more convenient. As long as the user is prompted to select the bank of the collection account, enter the account number and account name, you can transfer funds from the Alipay account into the other bank card. In addition to ordinary to account, users can also choose a 2-hour fast to account mode.

In addition to Alipay, Tenpay also joined the concession team. According to the Tenpay fee standard, through Tenpay to bank card transfer There are two ways, one is the next day to the account, the processing fee for the payment of 0.1%, the minimum of 1 yuan, the maximum of 10 yuan, the other is within 2 hours to the account, the processing fee for the payment of 0.25%, the minimum 1 yuan, the highest 50 yuan However, tenpay the latest regulations show that before March 31, Tenpay users in the transfer to the bank card, the first amount of the day in 800 yuan transfer fee-free service charge, if it is Tenpay account to Tenpay account, the free amount of the corresponding increase to 10,000 yuan.

Banks to be outdone

For Alipay action, banks are not to be outdone, have played a "discount card."

The economic Herald reporter from Jinan several banks learned that the current Agricultural Bank, BOC and other banks to use mobile phone bank transfer remittance business does not charge fees, but there are certain restrictions on the amount, most banks daily transfer limit of 50,000 yuan.

At the same time, major banks have cut the net bank transfer business fees. ICBC launched in January 31 before the use of ICBC Net Bank to deal with peer off-site or trans-bank transfer business, handling fees in the Bank network preferential standards on the basis of a further 50 percent discount; Everbright Bank (601818, shares bar) in the online Banking interbank remittance business, take regardless of the amount of money, both the implementation of a fee of 2 yuan discount , the use of Citic Bank (601998, shares) of the "Internet banking Interconnection" business, the amount is not higher than the 50,000 yuan handling fee is free; Bank of communications (601328, share) to the end of last year's mobile phone bank transfer fee concessions, extended to the end of this year Everbright Bank also extended the mobile bank transfer of free preferential activities to June 30, net Bank interbank transfer fee of 2 yuan per pen.

Have little impact on banks

In fact, third party payments have long wanted to take a piece from the transfer market. Alipay last June launched a daily limit of 2000 yuan of free mobile phone transfer service, as long as the input of the recipient's mobile phone number can transfer. Last November, Tenpay general manager Rei Zhiming said to the media that it plans to launch a micro-credit payment function in the near future to realize the transfer function between the mobile phone "shake" friends.

In this respect, Jinan, a state-owned bank of high-tech branch office director Yang said that third-party payments into the transfer market has little impact on the bank.

"Third parties pay a small amount of free, and must be registered users to be able to enjoy." The banks are facing all the people, do not need to register online, just a bank card can be, "Yang explained," A year ago, the transfer of the vast number of migrant workers, they are more familiar with the banking business, the Third-party payment is still suspicious, even some people do not know what is third-party payments, Therefore, the bank will be selected as the main channel of transfer. ”

"After all, bank transfers are more direct, and each transaction is recorded, for large transfers, users will generally choose the bank, in addition, the bank has counters, ATM machines, net Bank, mobile banking and other transfer channels, more than third-party payment advantages." "Yang said.