1. Bank card transferred to the bank: Now all banks have cancelled the transfer fee between peer bank cards. You can transfer money between peers without paying the fee.

2. Use online banking to transfer money: When transferring money through online banking, as long as the transfer amount does not exceed 50,000 yuan, most banks do not charge handling fees regardless of peer or inter-bank transfer.

3. Mobile banking transfer: In order to promote mobile payment, major banks will make mobile banking transfer for free. Download the bank's mobile banking app, log in to your personal account and transfer money.

4. Use China UnionPay Express APP to transfer money: China UnionPay Express supports bank card transfer of many banks. At present, more than 50 banks have accessed China UnionPay Express to transfer money on China UnionPay Express APP, and these banks do not charge fees.

1. ICBC: 3 yuan/quarter is lower than 300 yuan's small account management fee;

2. Agricultural Bank of China: the small account management fee is lower than that of 500 yuan 3 yuan/quarter;

3. China Construction Bank: the small account management fee is lower than that of 300 yuan 3 yuan/quarter;

4. Bank of China: the average daily deposit is lower than that of 300 yuan, and the maximum management fee for small accounts is 9 yuan/quarter;

5. Bank of Communications: the small account management fee is lower than that of 500 yuan 3 yuan/quarter;

6. China Merchants Bank: charge small account management fee 1 10,000 yuan/month;

7. Postal Savings Bank: charge a small account management fee of less than 100 yuan in 3 yuan/quarter;

8. Changsha Bank: Free of small account management fees;

9. Ping An Bank: the monthly average 1 000 yuan, and the small account management fee is 2 yuan/month.

Handling fee: expenses incurred in the course of handling affairs. The term "service fee" is interpreted as "procedures for doing things". For example, handling "loan procedures", "transfer procedures" and "securities trading procedures" and so on. Therefore, "handling fee" can be interpreted as: a kind of labor remuneration charged for handling related matters on behalf of others; Or for the client, it belongs to the corresponding remuneration paid by others for handling related matters. Such as: securities transaction fees, agent ticketing fees, withholding fees, national debt agency fees and so on.

There are two kinds of fees in the banking system:

1. The interest other than the loan is collectively referred to as the handling fee. Such as: interest generated by installment repayment of credit cards, interest generated by overdue credit cards;

Second, the cost of banking business.

1 Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 300 yuan. In 3 yuan/quarter, our debit card in the same city is free of handling fee, and the inter-bank withdrawal in the same city is 4 yuan/transaction; Credit card deposits in different places are free of handling fees, and the minimum for each withdrawal is 1% of the amount charged, and the maximum is 1 yuan, and the maximum is 50 yuan.

2. Agricultural Bank of China: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and 2 yuan/pen is withdrawn from banks in the same city (4 yuan, Guangdong); 1% of the amount charged for cash withdrawal by credit card, with a minimum of 1 yuan/transaction, and other banks will add 2 yuan inter-bank handling fee.

3. China Construction Bank: the card processing fee is 5 yuan, with an annual fee of 10 yuan/year, which is lower than the small account management fee charged by 400 yuan in 3 yuan/quarter and the withdrawal amount of 4 yuan+1% in the same city.

4. China Bank: Credit card processing fee is 5 yuan, annual fee 10 yuan/year, and small account management fee is not charged, and banks in the same city withdraw money from 4 yuan.

5. Bank of Communications: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction.

Postal savings: credit card processing fee in 5 yuan, inter-bank withdrawal in the same city 4 or 12 yuan/transaction. Most provinces and cities do not charge annual fees and small account management fees.

China Minsheng Bank: Card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city and across banks are free, followed by 2 yuan/transaction.

8 China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/pen.

CITIC Bank: It is free to apply for the card, and there is no annual fee and small account management fee. The first two withdrawals from banks in the same city are free every month, and then 2 yuan/pen.

10 Huaxia Bank: it is free to apply for the card, without annual fee and small account management fee, and the first withdrawal in the same city 1 every day (note 1: every day is not monthly) is free, and then 2 yuan/transaction.

1 1 Shanghai Pudong Development Bank: it is free to apply for a card, and there is no annual fee. Withdrawals from banks in the same city in 2 yuan, account management fee 12 yuan/year. If the balance in the account is always above 1000 yuan, or if POS swipes the card within one year (it doesn't matter how much, they are just encouraging the use of the card), it will be exempted.

12 Industrial Bank: card handling is free, with no annual fee and small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.

13 China merchants bank: it is free to apply for a card, and there is no annual fee. Some cities have different cash withdrawal fees. If the assets of the same customer in the bank are less than 10000 yuan, the account management fee is 1-5 yuan/month (at the discretion of each branch, Beijing 1 yuan, 5 yuan, Qingdao and 5 yuan, Tianjin). The "daily average assets" here refers to the sum of all deposits and national debt in the bank. For example, if you deposit a 10 yuan time deposit certificate in China Merchants Bank, and you have 10 bank cards, and each card has no money, then this 10 card will not receive money, but you have three cards, and the deposits in the cards are 3,000 yuan and 2,000 yuan respectively.

14 SDB: it is free to apply for a card, and there is no annual fee, which is lower than the small account management fee charged by 300 yuan (1 yuan/month), but it can be exempted for one year only by spending 1 time on the POS card, so it is basically not accepted, and interbank withdrawals in the same city are completely free (except Shenzhen, Chengdu and Chongqing, 2 yuan/pen).

15 Guangdong development bank: card handling is free, with no annual fee and no small account management fee. Whether in the same city or in different places, it is free to withdraw cash three times a month, and then 3 yuan/pen.

16 China Bohai bank: in principle, the annual fee is 20 yuan/year, the account management fee is less than 5,000 yuan, and 5 yuan/month. But in fact, the card is free, there is no annual fee, there is no small account management fee, and interbank withdrawals in the same city are completely free. This is a newly established bank with a national license (total 18), only in Tianjin, Beijing, Jinan and Jinan.

17 hengfeng bank: it is free to apply for the card, and there is no annual fee and small account management fee. 2 yuan/Pen withdraws money nationwide, and banks only have business outlets in Yantai, Qingdao, Jinan, Hangzhou and Nanjing.

18 zheshang bank: card 10 yuan, annual fee 10 yuan/year, no small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/pen. The Bank only has branches in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi and Tianjin.

19 Nanjing bank: all fees are free, and there is no arbitrary charge for withdrawing money from any ATM in China.

Harbin Bank: ATM with "UnionPay" logo, which can be posted in cities all over the country and can be used for cash withdrawal without any charge.