[Add to favorites] Online Transaction Payment is mandatory for new users. It gives the most detailed information about the billing and receipt of domestic banks.

Online Banking is needed by everyone, but there are also many traps. The cost of choosing a bank should be a comprehensive comparison of 1 or 2 times, at least clearly: 1. Cost 2. The annual fee is 3. 4. 5. 6. Telephone banking charges 7. The bank fee is 8 for online banking phone transfers at the counter. Payment receipt time ..
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Bank name account opening work fee annual fee loss password loss start-up or new-in card
Bank of China 10 yuan 10 yuan 10 yuan unknown 5 yuan/card
ICBC 5 yuan 10 yuan 10 yuan 10 yuan 5 yuan/card
Construction Bank 0 RMB 10 RMB 10 RMB 10 RMB 5 RMB/card
Agricultural Bank puka 5 RMB 10 RMB 10 RMB-5 RMB/card
Color Card 25 yuan
Bank of Communications 5 yuan 10 yuan 10 yuan unknown 5 yuan/card
China Merchants Bank 0 RMB 0 RMB 10 RMB unknown ---
Issue 5 yuan 0 yuan 10 yuan unknown ---
Deep release 10 yuan 0 yuan 5 yuan 5 yuan 5 yuan/card
Minsheng Bank 0 RMB 0 RMB 10 RMB 10 RMB 10 RMB/card
Pudong Development Bank 0 RMB 0 RMB 0 RMB unknown ---
Industrial Bank: 0 RMB, 0 RMB, 10 RMB, 5 RMB ---
Fees for deposits in different regions of major banks
The name of the bank is charged at a minimum, and the CAP is charged.
ICBC 1% RMB 50
China Construction Bank 5‰ RMB 50
Bank of China 5‰ RMB 50
Agricultural Bank of China 5‰ RMB 25
China Merchants Bank 5‰ RMB not
Guangfa bank does not have 1‰ RMB
Deep Development: RMB 5 million
Bank of Communications, 5 to 10 yuan, 50 yuan
Everbright Bank free and free
Minsheng Bank free and free
Pudong Development Bank free and free

ATM withdrawal fees for major banks (per charge)

Bank name: the Bank's remote cross-city cross-bank withdrawal remote cross-bank withdrawal
0.5% of the ICBC transaction amount, the lowest 1 yuan, the maximum 50 yuan 2 yuan/0.5% + 2 yuan of the transaction amount/PEN
Bank of China 5 yuan/PEN 2 yuan/PEN 7 yuan/PEN
1% of the transaction amount of the Agricultural Bank, the lowest 1 yuan 2 yuan/1% + 2 yuan of the transaction amount/PEN
The transaction amount of China Merchants Bank is free of the first three transactions per month, and the fourth transaction starts at 2 RMB/2 RMB/PEN + 5 ‰ of the transaction amount ‰
8 ‰ of The Bank of Communications transaction amount 2 yuan/8 ‰ of the transaction amount + 2 yuan/PEN
China Minsheng Bank RMB 5/free of charge subject to the bank price of the ATM
5% of the Free transaction amount of 5% of the deep development transaction amount + 2 RMB/pen, minimum 1 RMB/PEN
China Pudong Development Bank free of charge (China UnionPay logo ATM)
Huaxia Bank RMB 1/PEN free RMB 20/PEN
Note: Industrial Bank (for the moment, no fees are charged for withdrawals from the bank's ATM. withdrawals from the bank's ATM (including local and remote payments) are RMB 2/transaction (the first three transactions per month are free of charge ); in a few regions (such as Xiamen), the fee is charged at 2 RMB per transaction. Beijing, Nanjing, and Shenzhen branches are not charged.
China Construction Bank (longka debit card: the cross-bank ATM withdrawal service fee is USD 2 per transaction plus RMB 1% of the transaction amount, of which 1% of the transaction amount is USD 2 at the lowest. ATM withdrawal service fee in Hong Kong: 10 RMB per transaction plus 1% of the transaction amount .)

Usage of online banking for annual fee collection

(It refers to a contracted user. Currently, the Bank does not charge non-contracted users and users of public online banking)

Bank of China: No fees
Agricultural Bank: 50 RMB annual fee
ICBC: 12 RMB for each customer with a certificate
China Construction Bank: 36 RMB/year
Pudong Bank: no fees for the moment
Huaxia Bank: not activated
Shenzhen Development Bank: free of charge
CITIC Industrial Bank: free of charge
Minsheng Bank: free of charge
Guangdong Development Bank: free of charge
Note: ICBC financial management accounts are free of charge

Telephone banking charges

Bank of China: free of charge
Agricultural Bank: free of charge
ICBC: RMB 12 per logon card
China Construction Bank: 36 RMB/year
China Pudong Development Bank: no fees for the moment
Huaxia Bank: free of charge
Shenzhen Development Bank: free of charge
CITIC Industrial Bank: free of charge
Minsheng Bank: free of charge
Guangdong Development Bank: free of charge
Note: ICBC financial management accounts are free of charge

Currently, there are two methods for different banks to send money in different regions. One is to send money directly to a bank, and the other is to send money through an online bank or telephone bank.

Industrial and Commercial Bank of China
Service Fees: ICBC provides two remittance Methods: one is the lingtong card remittance. The service fee is 1% of the remittance amount, and the lowest remittance service fee is 1 yuan, up to 50 yuan. Second, there is no remittance service fee for the Peony Card.
Online Banking: the minimum price is 5 yuan, and the maximum price is 50 yuan.
Delivery Time: the delivery time is within 24 hours, and the delivery time is 3 ~ 5 working days.

Agricultural Bank of China
Service Fee: it can be divided into two types: Deposit remittance and electronic remittance. The minimum service fee for deposit remittance is 1 yuan, more than 1000 yuan, and the fee is charged at 0.5%. The minimum fee for electronic remittance is 1 RMB. If the fee exceeds l00, fees are charged at 1%.
Online Banking: the fee is the same as that for remittance on the console.
Arrival Time: Real-time arrival.

Bank of China
Handling fee: the remittance service fee of the bank is 0.1% of the remittance amount. The minimum fee is 5 yuan and the maximum fee is 500 yuan. That is, the remittance service fee of less than 5000 yuan is 5 yuan, and 5000 of the remittance amount is charged.
Arrival time: the next day.

China Construction Bank
Service Fee: The minimum service fee is 1 yuan, and the maximum service fee is 50 yuan.
Online Banking: the minimum price for each transaction is 1 yuan, and the maximum price is no more than 30 yuan.
Telephone banking: the minimum price is 1 yuan, and the maximum price is no more than 40 yuan.
Receipt time: in two cases, if the remittance bank is in a networked city, the remittance can be received in two hours; otherwise, 3 ~ The account can be received within 5 working days.

Bank of Communications
Service Fees: for remittance between peers, 0.05% service fees are collected. The minimum fee is 10 yuan and the maximum fee is 50 yuan. For cross-bank remittance, the maximum fee is 50 yuan.
Arrival Time: Real-time arrival.

China Merchants Bank
Service Fee: there are two types: fast remittance, the minimum service fee of 5 yuan, more than 1000 yuan, charged at 0.5%, suitable for the remittance amount less than 1 million Yuan. The other is electronic remittance. The minimum handling fee is 10 yuan. The remittance handling fee is 1% of the remittance amount, and the maximum is 50 yuan. It is suitable for the remittance amount above 10 thousand yuan.
Online Banking: each payment is 5 yuan, and the fee for cross-bank remittance is 10 yuan.
Arrival Time: fast remittance is delivered in real time, and the arrival time of electronic remittance is 2 ~ 3 working days.

Everbright Bank
Handling fee: the handling fee is 0.5% of the remittance amount, the minimum is 2 yuan, the maximum is 20 yuan.
Arrival Time: Real-time arrival.

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: Real-time arrival.

Postal Savings
Service Fee: charged at 0.5% of the remittance amount, up to 50 yuan.
Arrival Time: Real-time arrival, except for a few remote non-networked areas.
Among them, the Bank of Communications cross-bank remittance and postal savings charges are directly deducted from the cash.

Domestic bank remittance comparison

Currently, there are two types of remittance methods for each bank. One is to send funds directly to a bank, and the other is to send money through an online bank or telephone bank.

Agricultural Bank
Service Fee: it can be divided into two types: Deposit remittance and electronic remittance. The minimum service fee for deposit remittance is 1 yuan, more than 1000 yuan, and the fee is charged at 0.5%. The free service has not yet been activated in many regions in China, so you can enjoy free service fees for the moment. The minimum fee for electronic remittance is 1 RMB, and the fee is 100 if the fee exceeds 1% RMB.
Payment receipt time: Real-time payment.
Online Banking: the fee is the same as that for remittance on the console.
Disadvantages: there are two types: No-card remittance and remittance. No bank card is required for non-card remittance, And you can directly use the cash to remit to the designated bank card. However, at present, most ABC outlets cannot confirm the name of the recipient when using no-card remittance. Therefore, if a wrong card number is entered, it may be remitted to another account. It is very troublesome to make a new payment. In addition, you cannot send money online between PM and PM the next day.

China Merchants Bank
Service Fees: There are two types of charges. One is fast remittance. The minimum service fee is 5 Yuan. If the fee exceeds 1000 yuan, the fee is charged at 0.5% yuan. It is suitable for the remittance amount of less than 10 thousand yuan; the other is electronic remittance, the minimum service fee is 10 yuan, the remittance procedure is 1% of the remittance amount, and the maximum cap service fee is 50 yuan, it is suitable for the remittance amount of more than 10 thousand yuan.
Delivery Time: express remittance can be received in real time; electronic remittance can be sent to 2-3 working days.
Online Banking: each payment is 5 RMB. Cross-bank remittance charges 10 yuan.
Disadvantage: If the remittance is less than 500 yuan, it is the highest cost compared with other banks. If the recipient transfers money through an online bank, you need to click "same-row fast remittance". Otherwise, the fee is charged at 10 yuan.

China Construction Bank
Service Fee: The minimum service fee is 1 yuan, and the maximum service fee is 50 yuan.
Remittance method: The payer must hold a bank card.
Payment receipt time: There are two types of situations: If the remittance bank is in a connected city, the remittance can be received within 2 hours; if the remittance bank is not in a connected city, it takes 3-5 business days to get the account.
Online Banking: the minimum price for each transaction is 1 yuan, and the maximum price is no more than 30 yuan.
Telephone banking: the minimum price is 1 yuan, and the maximum price is no more than 40 yuan.
Disadvantage: In China Construction Bank remittance, the payer must hold the China Construction Bank debit card before remittance. If you do not have a debit card, you need to spend 10 yuan to handle the China Construction Bank longcard. Although the remittance can be received within two hours, the recipient cannot query the receipt details on the same day.

ICBC
Service Fees: ICBC provides two types of transfer methods: one is the lingtong card transfer. The service fee is 1% of the remittance amount, and the lowest remittance service fee is 1 yuan, the maximum is 50 yuan. Second, there is no remittance service fee for the Peony Card.
Arrival time: the delivery time is within 24 hours, and the delivery time is within 3-5 working days.
Online Banking: the minimum price is 5 yuan, and the maximum price is 50 yuan.
Disadvantages: Industrial and Commercial banks usually have a large number of people. Industrial and Commercial Banks in large and medium-sized cities need to queue up for a long time. Online bank transfers are not allowed on weekends and holidays.

Bank of Communications
Service Fee: 1000 of the service fee is collected within 1% yuan, and 10 yuan of service fee is collected above 1000 yuan. The biggest feature of Bank of Communications is that it can automatically deduct the handling fee in the remittance, or even share the handling fee with the remittance party and the recipient.
Arrival Time: Real-time arrival.
Disadvantage: fewer outlets.

Bank of China
Handling fee: the remittance service fee of the bank is 0.10% of the remittance amount. The minimum fee is 5 yuan and the maximum fee is 500 yuan. That is, the remittance service fee of less than 5000 yuan is 5 yuan, and 5000 of the remittance amount is charged.
Arrival time: the next day.
Disadvantage: Most BOC outlets are closed on weekends and holidays.

Everbright Bank
Service Fee: The minimum service fee is 2 yuan, and the maximum service fee is 20 yuan. The service charge is 0.5% of the remittance amount.
Arrival Time: Real-time arrival.
Disadvantages: Everbright Bank has a relatively small area of coverage, and many areas cannot remit money.