Explanation of Alipay free transfer withdrawal method

I will give you a detailed explanation of the free transfer withdrawal method for Alipay software users.

Method sharing:

After reading a lot of instructions and explanations, you may be confused about the Alipay policy. What does the basic free withdrawal quota of 20 thousand yuan mean? How is the charge charged for over 20 thousand yuan? Is it free to transfer funds to others? Why do I have to pay for the transfer to Alipay without paying for the transfer to a bank card?

In fact, all billing scenarios can be explained in one sentence: all actions to transfer money from Alipay balance to bank card are charged! Whether this bank card is owned by yourself or someone else!

In other words, there is no charge for transferring money from Alipay to another product! No matter who the account and product belong!

That is to say:

1. Transfer the money to Yu'E Bao, which is free of charge.

2. From your Alipay to others' Alipay, there is no charge; from your bank card, fees are charged.

3. At this time, old Wang next door raised a question. Alipay can still transfer money to bank cards. If I transfer money from my bank card to another person's bank card on Alipay, will I still be charged? A cold voice answered him: charging.

Even if the withdrawal fee is paid, each person has a free withdrawal quota of 20 thousand yuan. However, the quota will not be cleared by year. That is to say, every Alipay account has only a free quota of 20 thousand yuan for life. If it is used up, it will be useless.

Why do I need to withdraw the free quota when it is used up? You can pay 0.1% for each transaction. The service fee for each withdrawal must be at least 1 cent, that is, the fee of 100 yuan. What if the withdrawal is less than 100 RMB? Or pay 1 hair.

In addition to transferring money from your Alipay balance and other channels to bank cards for charges, other expenses for using Alipay, services including consumption, financial management, insurance purchase, mobile phone recharge, water, electricity, and coal payment, registration, traffic fines, transfers to Alipay account via mobile phone, and payment are not charged.

How can we try to pay less for Alipay?

In fact, even if you withdraw 10 thousand yuan each time, the fee is only 10 yuan, but it is also a frugal virtue to pay less.

There are several possibilities of not paying service fees:

1. E-commerce.

Taobao Tmall seller, Taobao auction seller, Taobao home seller, Cun Tao partner, Tao helper, village partner, 1688 seller, Aliexpress seller, Alipay valid contract merchant, authenticated Alipay Enterprise Account and CDB student loan account (outstanding loan payment ), you can use the "withdrawal" product to transfer funds in the Alipay balance to your bank card, which is still free of charge.

2. The total number of withdrawals is less than 20 thousand. (This one seems useless)

3. Use Yu'e Bao more and use Alipay balance less.

If the funds in Yuebao are transferred from the Alipay balance, they can only be transferred back to the Alipay balance. However, if you transfer funds directly from your bank card, you can transfer the funds from your bank card to your bank card. In this case, no fee is charged.

4. Use Ant Credit to redeem more free withdrawal quotas.

When the free quota of 20 thousand yuan is used up, open the Alipay "my" personal homepage, go to the member center, and view the Ant Credit. This score is the amount of free money you have obtained on Alipay. Because every minute of Ant Credit can be paid for one dollar for free, it is not capped. To get Ant Credit, you need to use Alipay for consumption, financial management, insurance purchase, mobile phone recharge, water, electricity and coal payment, registration, traffic fines, use mobile Alipay to transfer to Alipay account, repayment and other services.

5. If you are not a single dog like the author, another trick is to pay close attention ".

If you need to "transfer money to another person's bank card", you can consider opening an intimate payment for friends and friends to pay for their purchases. This saves the amount of money directly transferred.

6. Pay back your credit card.

The money in the Alipay balance can be used to directly return the credit card of any bank without additional charges. However, it should be noted that, according to the central bank's regulations, each user has a maximum of 0.2 million free quotas each year, and the amount of 0.2 million is required for balance repayment.

If you hate him, transfer money to him.

 

 

If you want to transfer money to another user, you can directly transfer the money to the Alipay account of the other user rather than the bank account. In this way, he will pay the service fee as long as he withdraws the cash.

Of course, many local tyrants have the need to make large transfers. Although there are multiple methods such as consumption to avoid service fees, there is still no better way to completely exempt the service fees from one million transfers at a time. However, mobile banking or online banking of many banks are gradually implementing the free policy. Currently, ICBC, ABC, China Construction Bank, Bank of China, Zhaoxing, PUFA, Huaxia, Zheshang, CITIC, Everbright, Minsheng, Guangfa, Xingye, Ping An, Hengfeng, Bohai, and other banks announce cross-bank mobile banking transfers are free of charge.

All in all, wealthy local tyrants have not added this to their favorites!

All right, the above information is the detailed free transfer withdrawal method provided by Alibaba Cloud for users of this software, you can see that the software users here, Xiaobian believes that you are now very clear about the method, so all of you are going to try the effect according to the method provided above.