WeChat transfers are divided into two forms: transfer to friends and transfer to bank cards. The following are the charging rules for WeChat transfers:
1. Transfer to friends
Pass Scan the QR code on WeChat to pay, red envelope, transfer and other functions to transfer money to others without any fees.
2. Transfer money to bank card
Transferring money from WeChat to bank card is actually cash withdrawal via WeChat. According to the official regulations of WeChat, each user enjoys a lifetime free withdrawal limit of 1,000 yuan, and the excess fee rate is 0.1%, with a minimum charge of 0.1 yuan for each transaction. That is to say, for a withdrawal of 1,000 yuan, a handling fee of 1 yuan is required.
WeChat is a free application launched by Tencent on January 21, 2011 to provide instant messaging services for smart terminals. It was created by the product team of Tencent Guangzhou R&D Center.
WeChat supports cross-communication operators and cross-operating system platforms to quickly send free (a small amount of network traffic is required) voice text messages, videos, pictures and text through the network. At the same time, you can also use *** to stream Media content information and location-based social plug-ins such as "Shake", "Moments", "Public Platform", "Voice Notepad" and other service plug-ins.
As of the second quarter of 2016, WeChat has covered more than 94% of smartphones in China, with monthly active users reaching 806 million, covering more than 200 countries and more than 20 languages.
In addition, the total number of WeChat public accounts of various brands has exceeded 8 million, the number of mobile application dockings has exceeded 85,000, advertising revenue has increased to 3.679 billion yuan, and WeChat payment users have reached about 400 million.
WeChat payment rules
1. When binding a bank card, the cardholder’s real-name information needs to be verified, that is, {name, ID number} information.
2. A WeChat account can only be bound to one real-name information. After binding, the real-name information cannot be changed. Unblocking the account will not delete the real-name binding relationship.
3. The same ID number can only be registered for a maximum of 10 (inclusive) WeChat payments;
4. A maximum of 3 bank cards (including credit cards) can be bound WeChat ID;
5. A WeChat ID can be bound to up to 10 bank cards (including credit cards);
6. Only one payment password can be set in a WeChat account;< /p>
7. There is no need to activate online banking for bank cards (except Bank of China and Industrial and Commercial Bank of China). As long as you have a mobile phone number reserved in the bank, you can bind WeChat payment.
Note: Once the binding is successful, the WeChat account cannot be bound to bank cards/credit cards with other names, please operate with caution.
On September 13, 2014, in order to provide the WeChat payment e-commerce platform to more users, the 20,000 yuan deposit will no longer be charged for WeChat service accounts to apply for the WeChat payment function, and the threshold for opening a store will be lowered.
From October 17, 2015, WeChat Pay began to gradually resume testing the new transfer rules. Each person can enjoy a fee-free limit of 20,000 for monthly transfers + face-to-face collections, and the excess will be charged a bank fee of 0.1%.