Inter-bank withdrawal is to withdraw money from your non-deposit bank, which is generally used for ATM withdrawal. For example, if you use your Bank of Communications card to withdraw money from ICBC, it is an inter-bank withdrawal.
Cross-bank withdrawals generally charge fees ranging from 2 to 50 yuan, and some banks do not charge fees for the first 2 to 3 cross-bank withdrawals every month. Since July 25th, 20 10, the fees for inter-bank withdrawals of China, Industry, China and Agriculture have risen to 4 yuan/transaction, and some joint-stock banks have followed suit.
Inter-bank charges in the same city vary from region to region. CCB has started to implement 4 yuan charges for inter-bank withdrawals in Tianjin, Qingdao and Guangzhou. The bank's customer service said that this is an application made by the head office and local tier-one branches. After approval by relevant departments, it is not an arbitrary price increase.
The relevant person in charge of the Banking Association said that the ATM interbank withdrawal fee of commercial banks belongs to the market-adjusted price, and the service price with market-adjusted price is set and adjusted by the head office of commercial banks according to the cost.
At present, it is legal and compliant for commercial banks to adjust ATM interbank withdrawal fees according to their own costs. Customers are advised to choose the transaction according to their own situation.
According to the Measures for Income Distribution of Bank Card Interbank Transactions of China UnionPay Network Access Institutions, the income distribution of ATM Interbank Transactions adopts the methods of fixed agency fees and UnionPay network service fees. If the cardholder successfully withdraws money from another bank's ATM, the issuing bank will pay the agency fee to the correspondent bank according to the standard of 3.0 yuan and the network service fee to UnionPay according to the standard of 0.6 yuan.
Banks have been pushed to the forefront of public opinion again and again, from the increase of passbook loss reporting fees to the collection of change fees, and then to the doubling of interbank withdrawal fees in the same city.
In this regard, Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, said that in recent years, the fees for intermediary business in China's banking industry have been rising, which has gradually become a trend and attracted widespread attention.
But whether the cost increase is reasonable and whether it has been strictly demonstrated is the key to the problem. "He thinks it is somewhat mandatory for banks to unilaterally raise fees." Whether in 2 yuan or 4 yuan, it should not only be the settlement price negotiated by the banking industry, but should be strictly demonstrated by the relevant regulatory agencies, or the appropriateness of charges should be independently evaluated by a third party. ?
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