Credit card withdrawal is not the main thing for major banks, they want cardholders to spend with credit cards. Therefore, if ICBC's credit card withdraws money from ATM, it will charge a lot of fees and interest will be high. Today, I will introduce this to you, and how to calculate the ATM withdrawal fee of ICBC credit card.
ICBC credit card ATM withdrawal fee collection standard:
1, local bank
There is no handling fee for ICBC credit card to withdraw money at the account opening place.
2. Banks in different places
Rmb: 1% of the withdrawal amount, with the lowest 2 yuan and the highest 100 yuan;
: According to the withdrawal amount (including domestic and overseas), the minimum is HK$ 3 yuan/MOP 3 yuan/Euro (the remaining accounts are charged at the minimum equivalent of US$ 3).
Tip: Domestic transactions of military official cards, peony platinum cards and ICBC Express Centurion Black Gold Card/Platinum Card are free.
3. Local cross-bank
The handling fee is 4 yuan/transaction, and cross-bank withdrawals are handled in other domestic cities outside the account opening place. In addition, the handling fee for remote withdrawal is charged at 1% of the withdrawal amount, ranging from the lowest in 2 yuan to the highest at 100 yuan.
According to the above-mentioned charging standard, the handling fee and interest charged for withdrawing cash at ATM with ICBC credit card are similar to some. I think it is necessary to withdraw cash by credit card as little as possible. If cash is withdrawn in an emergency, it should be returned as soon as possible. ICBC's credit card has a longer interest-free period, except for the higher handling fee for cash withdrawal. You can click
Convenient entrance
Inquire and apply for ICBC credit card.
How much is ICBC's credit card withdrawal fee?
ICBC charges a handling fee of 1% for the cash withdrawal amount of the credit card, with the lowest charge of 2 yuan and the highest charge of 100 yuan. \ r \ Cash withdrawal handling fee refers to a certain percentage of handling fee charged by banks for cash withdrawal, including bank card withdrawal and credit card withdrawal. \ r \ For more information about ICBC's credit card withdrawal fees, please visit: See More.
How to calculate the handling fee of ICBC credit card?
I. Credit card charging institutions
1, the issuing bank, that is, the bank that handles credit cards for you. Credit cards are also credit products and cost money. Of course, banks will not do business at a loss, which is the biggest expense. Since the exchange reform on September 6th, the overall charge has been around 1 10,000 60 yuan, and the card issuer has to deduct at least 40 to 50 yuan.
2. The clearing institution, namely the UnionPay clearing organization under the central bank, shall pay all normal transactions on the second working day after the liquidation of UnionPay, and the maximum single amount shall not exceed 7.5 yuan. Usually it takes about 3 1 5 yuan to trade 10000 yuan.
3. The acquiring institution is mainly composed of banks and third-party payment licensees. After deducting the above 1 and 2 fees from the handling fee, the rest will go to the first acquiring institution.
Second, the credit card rate:
How much is the charge for credit card? What is the handling fee standard for POS card swiping?
On September 6, 20 16, the National Development and Reform Commission and the People's Bank of China issued the Notice on Improving the Pricing Mechanism of Credit Card Handling Fees, which was officially implemented. The credit card rate has been adjusted, and the sharing ratio of the whole system has also changed. The original share ratio of 7:/kloc-0: 2 of issuing bank, UnionPay and payment company was broken, which was called 96 fee reform.
96. The main contents of the fee reform:
1. The upper limit rate of credit card (credit card) fee change was cancelled.
2. Integrate multiple rates. After integration, there are only two types (standard merchants and non-standard merchants).
3. The proportion of three-party credit card fees is clearly defined.
0.78% of the general category and 1.25% of the catering and entertainment industries such as clothing, ktv, catering, gold jewelry, stationery, hairdressing and dry cleaning. All of them have been merged into the current standard category.
This concludes the introduction of how to calculate the handling fee of ICBC credit card and ICBC bank card. I wonder if you found the information you need from it?