Bank debit cards are challenged to repeat the charges

Annual fee, small account management fee, password reset fee and so on at the same time to collect a number of banks on the charging item "want to collect", in the weak status of the vast number of customers spend a lot of injustice money? Reporter recently interviewed 18 Chinese and foreign banks in Shanghai customer Service hotline after the statistics found that some banks at the same time for the debit card charges, small account management fees or password replacement fees, many customers questioned this practice is "repeated charges." Our correspondent Xu Cochi annual fee of Citibank charges the most expensive in the 18 foreign-funded banks surveyed by the reporter, the Construction Bank, Bank of Communications, ICBC, Bank of China and Agricultural Bank of the 5 major state-owned commercial banks charge a debit card of 10 yuan annual fee.　　But the most expensive debit card annual fee is Citibank, the standard is 12 yuan.　　and investment, PUFA, deep development, CITIC, People's livelihood, Guangdong, Everbright, China and Shanghai Bank, such as 9 small and medium-sized joint-stock commercial banks do not charge a debit card annual fee, in addition to East Asia, HSBC and Standard Chartered and other 3 foreign banks also do not charge customers with debit card annual fee. "I am in the state-owned large banks to open a debit card, mainly in view of the large state-owned banks in Shanghai, the number of outlets in peacetime deposits and withdrawals convenient, but the charge of the annual fee really makes people feel unclear."　　"Customer Mr. Chen to a number of state-owned large banks to receive a debit card annual fee to provide customers what service items, did not expect the lobby manager unexpectedly are not to say why." Small account management fees vary widely and commercial banks for small account management fee collection standards are very wide.　　According to reporter statistics, in addition to the bank, BOC, Pufa, Citic, People's livelihood, Everbright, Huaxia, Standard Chartered and Shanghai Bank and other 9 commercial banks made clear that not to charge the fee, the other banks of the small account management fee is 150 times times the difference. CCB, ABC and ICBC's small account management fees are 3 yuan per quarter, the small account standard is the daily average deposit less than 300 yuan, the Guangdong Bank's small account management fee is also 3 yuan per quarter, the small account standard is the average daily deposit less than 500 yuan; the deep development of the small account management fee is also 3 yuan per quarter,　　The small account standard is the daily average deposit less than 1000 yuan, the merchant bank's small account management fee is 1 yuan a month, the small account standard is monthly monthly deposit less than 10000 yuan. Compared with the average monthly management fee of 1 yuan per month for Chinese banks, the standard of foreign banks ' collection is greatly improved. Bank of East Asia's small account management fee of 10 yuan per month, the small account standard is daily average of less than 5000 yuan, Citigroup's small account management fee soared to 100 yuan per month, the small account is the average daily deposit less than 80000 yuan, HSBC's small account management fee is up to 150 yuan per month,　　The standard for small accounts is less than 100000 yuan per daily deposit. "Duplicate charges" triggered the controversy the CBRC and the NDRC recently issued the "Commercial Bank service price management measures (draft)", the commercial banks of the same account shall not be charged with annual fees and small account management fees; and the cost of the password reset service included in the accountHouseholds, passwords, electronic certificates and other loss management fees, not separate charges. However, the investigation by reporters, most commercial banks are currently charged 10 yuan password replacement fee, and Citigroup, CCB, ABC and ICBC and other 4 banks at the same time for debit card charges and small account management fees. Although a number of clients have questioned the bank's "repeated charges" is unreasonable, but the reporter found in the interview that the relevant banks still do not mistake. "Isn't it obvious to repeat the charges?" I went to the bank to ask, the Bank of the people themselves do not know what to pay for the annual fee, to the end of the answer to my head of the headquarters is so that the annual fee. Customer Yu said that the annual fee for debit cards is simply a lack of basis, is simply a bank to collect the "repeat fee" behavior. Because the bank to SMS notification, billing printing, ATM Cross-border withdrawals, password reset and small account management, and other specific business charges, and the dubious charge of the annual fee is tantamount to let customers pay a sum of money.