As long as the word "UnionPay" is on the user's bank card, you can check the inter-bank balance, and there is no charge for checking the inter-bank balance. All bank cards marked "UnionPay" in China have been connected to the Internet. Networking of bank cards means that institutions operating bank card business use their own network systems, terminals, specialized merchants and technical services to connect with the inter-bank information exchange system of bank cards, so as to realize the inter-bank universality of bank cards. Users can only check the bank card account balance through ATM self-service ATM, and the counter cannot check the balance across banks.

1. Inter-bank transfer and remittance is the business of transferring RMB or foreign currency to an account opened by a unit or individual in other banks in China. Direct cash remittance is not enough. You can open an account in that bank first and then transfer money. Other banks charge a handling fee of 1% of the transfer and remittance amount, ranging from 1 yuan to 5 yuan.

2. Inter-bank transfer in the same city generally takes 5-1 minutes to reach the payee's account, but it must be completed within banking hours. If the transfer is made at 17 o'clock, the transfer time of the day has passed and coincides with the weekend, then it will arrive around 9 o'clock next Monday. Inter-bank transfer can be received within 3 working days at most, usually within 24 hours; Inter-bank transfer requires accurate payee, bank and account number of the other party, and it should be filled in correctly.

bank card management authority and approval process:

(1) A commercial bank shall, in accordance with the provisions of the People's Bank of China on strengthening internal control and authorizing credit management, formulate a unified charter or business management method and submit it to the head office of the People's Bank of China for approval.

If the head office of a commercial bank is not in Beijing, it shall first report to the central branch of the People's Bank of China where it is located. After examination and approval by the branch of China People's Bank, it shall be reported to the head office of China People's Bank for approval.

(2) Commercial banks that have started credit card or transfer card business may apply to the People's Bank of China for issuing joint/identity cards, special cards and stored-value cards; Commercial banks that have started RMB credit card business may apply to the People's Bank of China for issuing foreign currency credit cards.

(3) A commercial bank that issues CO brand cards, IC cards and stored-value cards commonly used in China shall report to the head office of the People's Bank of China for approval.

(4) when a branch of a commercial bank handles the bank card business approved by the head office of the People's Bank of China, it shall submit the approval documents of the People's Bank of China and the authorization documents of the head office to the local authorities. China People's Bank for the record.