When choosing a bank to open an account, you should first understand: 1. Cost of production 2. Annual fee 3. ATM withdrawal fees 4. Off-site cash withdrawal fee 5. Inter-bank fee within the same city is RMB 6. Telephone banking charges 7. Over-the-counter remittance, online banking, telephone bank transfer fee 8. Arrival time. .
For details, please see:
Bank name, account opening cost, annual fee, reporting loss, reporting loss, opening or replacing a new card
Bank of China 10 yuan 10 yuan 10 yuan unknown 5 yuan/card
Industrial and Commercial Bank of China 5 yuan 10 yuan 10 yuan 10 yuan 5 yuan/card
China Construction Bank 0 yuan 10 yuan 10 yuan 10 yuan 5 yuan/card
Agricultural Bank of China regular card 5 yuan 10 yuan 10 yuan - 5 yuan/card
Color photo card 25 yuan
Bank of Communications 5 yuan 10 yuan 10 yuan unknown 5 yuan/card
China Merchants Bank 0 yuan 0 yuan 10 yuan unknown————
Guangdong Development Bank 5 yuan 0 yuan 10 yuan unknown————
Shenzhen Development Bank 10 yuan 0 yuan 5 yuan 5 yuan 5 yuan/card
Minsheng Bank 0 yuan 0 yuan 10 yuan 10 yuan 10 yuan/card
Shanghai Pudong Development Bank 0 yuan 0 yuan 0 yuan unknown————
Industrial Bank 0 yuan, 0 yuan, 10 yuan, 5 yuan————
Charging standards for non-local deposits of major banks
Bank name, minimum charge, capped fee for each charge
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Industrial and Commercial Bank of China 1 yuan 50 for 1/1000
China Construction Bank 1 yuan 50 for 5/1000
Bank of China 1 yuan 50 for 5/1000
Agricultural Bank of China 1 yuan 5/1000 25 yuan
China Merchants Bank 5 yuan 5/1000 No
Guangfa Bank 5 yuan 1/1000 No
p>Shenzhen Development Bank 5/1000 yuan no
Bank of Communications 10/1000 yuan 50 yuan
China Everbright Bank free free free
People's Livelihood Free, free, free at the bank
Free, free, free at Shanghai Pudong Development Bank
Charges for withdrawing cash from ATM machines of major banks (each charge)
Bank name: This bank withdraws cash in different places in the same city Inter-bank cash withdrawal Cross-bank cash withdrawal in different places
ICBC 0.5 of the transaction amount, minimum 1 yuan, maximum 50 yuan 2 yuan/transaction amount 0.5 2 yuan/transaction
Bank of China 5 yuan/ 2 yuan/transaction 7 yuan/transaction
Agricultural Bank of China transaction amount 1, minimum 1 yuan 2 yuan/transaction amount 1 2 yuan/transaction
China Merchants Bank transaction amount 5‰ The first three transactions per month are free, and starting from the fourth transaction 2 yuan/transaction 2 yuan/5‰ of the transaction amount
Bank of Communications 8‰2 yuan/transaction amount 8‰2 Yuan/transaction
Minsheng Bank's 5 yuan/transaction is free, subject to the price of the bank where the ATM machine belongs
Shenzhen Development Bank's 5 free transaction amount 2 yuan/transaction, the minimum is 1 yuan /pen
Free for Shanghai Pudong Development Bank (National UnionPay logo ATM)
Hua Xia Bank 1 yuan /pen free 20 yuan /pen
Note: Industrial Bank ( There is no charge for withdrawals at our bank's ATMs. For withdrawals at other banks' ATMs (including local and remote locations), RMB 2 per transaction (the first three transactions per month are free); in a few areas (Xiamen, etc.), the fee is RMB 2 per transaction. Beijing , Nanjing and Shenzhen branches are free of charge.
China Construction Bank (Dragon Deposit Card): Inter-bank ATM cash withdrawal handling fee is 2 yuan per transaction plus 1% of the transaction amount, of which 1% of the transaction amount, the minimum is 2 yuan. In Hong Kong, ATM cash withdrawal handling fee : 10 yuan per transaction plus 1 of the transaction amount.
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Annual fees for using online banking
Bank of China: no fee
Agricultural Bank of China: annual fee of 50 yuan
ICBC : 12 yuan per account for customers with certificates
China Construction Bank: 36 yuan/year
Pudong Bank: No fee for the time being
Hua Xia Bank: Not activated
Shenzhen Development Bank: No fee
CITIC Industrial Bank: No fee
Minsheng Bank: No fee
Guangdong Development Bank: No fee
p>Note: ICBC Elite Account customers are exempted from charges
Charges for using telephone banking
Bank of China: waived
Agricultural Bank of China: waived Charges
Industrial and Commercial Bank of China: 12 yuan per login card
China Construction Bank: 36 yuan/year
Shanghai Pudong Development Bank: No charges for the time being
Hua Xia Bank: No fee
Shenzhen Development Bank: No fee
CITIC Industrial Bank: No fee
Minsheng Bank: No fee
Guangdong Development Bank: Free of charge
Note: Free of charge for ICBC elite account customers
Currently, banks usually have two methods for remittances in other places. One is to go directly to the bank. Over-the-counter remittance, one is through online banking or telephone banking.
Industrial and Commercial Bank of China
Handling fee: ICBC provides two remittance methods, one is Money Link card remittance, the handling fee is 1% of the remittance amount, and the minimum remittance handling fee is 1 yuan , the maximum is 50 yuan. Second, there is no remittance fee for Peony Card remittance.
Online banking: The minimum fee per transaction is 5 yuan, and the maximum is 50 yuan.
Arrival time: Remittances from Money Link Card will arrive within 24 hours, and remittances from Peony Card will arrive in your account within 3 to 5 working days.
Agricultural Bank of China
Handling fees: There are two types of deposit remittances and electronic remittances. The minimum handling fee for deposits and remittances is 1 yuan. For deposits and remittances exceeding 1,000 yuan, a fee of 0.5% will be charged. The minimum handling fee for electronic remittance is 1 yuan, and 1% will be charged if the amount exceeds 100 yuan.
Online banking: The charges are the same as over-the-counter remittance.
Deposit time: Immediate arrival.
Bank of China
Handling fee: The bank's remittance fee is 0.1% of the remittance amount, with a minimum limit of 5 yuan and a maximum limit of 500 yuan. That is, the remittance fee is 5 yuan for the remittance amount within 5,000 yuan, and the remittance fee is 0.1% of the remittance amount for more than 5,000 yuan.
Delivery time: the next day.
China Construction Bank
Handling fee: The minimum handling fee is 1 yuan, and the maximum handling fee is 50 yuan.
Online banking: The minimum fee per transaction is 1 yuan, and the maximum is no more than 30 yuan.
Telephone Banking: The minimum fee per transaction is 1 yuan, and the maximum is no more than 40 yuan.
Arrival time: There are two situations. If the remittance bank is in an online city, the remittance will arrive within two hours; otherwise, it will take 3 to 5 working days to arrive.
Bank of Communications
Handling fees: For remittances between peers, a handling fee of 0.05% is charged, with a minimum of 10 yuan and a maximum of 50 yuan; for inter-bank remittances, a handling fee of 1% is charged, with a maximum of Charge 50 yuan.
Deposit time: Immediate arrival.
China Merchants Bank
Handling fees: There are two types, one is fast remittance, the minimum handling fee is 5 yuan, and if it exceeds 1,000 yuan, the fee is 0.5%, which is suitable for l The remittance amount is within 10,000 yuan. The other is electronic remittance, with a minimum handling fee of 10 yuan, a remittance handling fee of 1% of the remittance amount, and a maximum of 50 yuan, which is suitable for remittances of more than 10,000 yuan.
Online banking: 5 yuan per transaction, 10 yuan for inter-bank remittance.
Arrival time: Fast remittances arrive immediately, and electronic remittances arrive in 2 to 3 working days.
China Everbright Bank
Handling fee: The handling fee is 0.5% of the remittance amount, with a minimum of 2 yuan and a maximum of 20 yuan.
Deposit time: Immediate arrival.
Hua Xia Bank
Handling fee: The handling fee is 0.1% of the remittance amount, with a minimum of 1 yuan and a maximum of 10 yuan.
Deposit time: Immediate arrival.
Postal Savings
Handling fee: 0.5% of the remittance amount, up to 50 yuan.
Account arrival time: Instant arrival, except for a few remote non-networked areas.
Among them, Bank of Communications collects handling fees for inter-bank remittances and postal savings by directly deducting them from the principal.
Comparison of Domestic Bank Remittances
Currently, banks usually have two methods of remittance. One is over-the-counter remittance directly to the bank, and the other is through online banking or telephone. Bank transfer.
Agricultural Bank of China
Handling fees: There are two types of deposit remittances and electronic remittances. The minimum handling fee for deposits and remittances is 1 yuan. For deposits and remittances exceeding 1,000 yuan, a fee of 0.5 will be charged. Since many areas in the country have not yet opened charging services, you can temporarily enjoy the fee-free discount. The minimum handling fee for electronic remittance is 1 yuan, and a fee of 1 yuan will be charged if the amount exceeds 100 yuan.
Arrival time: real-time payment.
Online banking: The charges are the same as over-the-counter remittance.
Disadvantages: It is divided into two types: cardless remittance and remittance. Cardless remittance means that there is no need to apply for a bank card, and you can directly remit cash to the designated bank card. However, most Agricultural Bank of China outlets currently cannot confirm the name of the payee when using cardless remittances, so once the card number is filled in incorrectly, the remittance may be transferred to someone else's account. To transfer the money again, you need to get confirmation from the payee, which is very troublesome. In addition, online remittance cannot be made after 8 pm to 8 am the next morning.
China Merchants Bank
Handling fees: There are two types, one is fast remittance, the minimum handling fee is 5 yuan, and if it exceeds 1,000 yuan, the fee is 0.5. It is suitable for remittance amounts within 10,000 yuan; the other is electronic remittance, with a minimum handling fee of 10 yuan, a remittance fee of 1% of the remittance amount, and a maximum handling fee of 50 yuan, and is suitable for remittance amounts above 10,000 yuan.
Arrival time: Express remittances can arrive in real time; electronic remittances arrive in 2-3 working days.
Online banking: 5 yuan per transaction. Inter-bank remittance charges 10 yuan.
Disadvantages: If the remittance is less than 500 yuan, the fee is the highest compared with other banks. When remitting money through online banking, if the recipient is a peer remittance, you need to click "Quick Transfer", otherwise a flat fee of 10 yuan will be charged.
China Construction Bank
Handling fee: The minimum handling fee is 1 yuan, and the maximum handling fee is 50 yuan.
Remittance method: The remitter must hold a bank card.
Arrival time: There are two situations. If the remittance bank is in an online city, the money will arrive within 2 hours after the remittance; if the remittance bank is not in an online city, it will take 3-5 days It will arrive on working days.
Online banking: The minimum fee per transaction is 1 yuan, and the maximum is no more than 30 yuan.
Telephone Banking: The minimum fee per transaction is 1 yuan, and the maximum is no more than 40 yuan.
Disadvantages: To remit money with CCB, the remitter must hold a CCB savings card to remit money. If you don’t have a savings card, you need to apply for a CCB Dragon Card first with a handling fee of 10 yuan. Although the remittance can arrive in the account within 2 hours at the fastest, the payee cannot check the arrival details on the same day.
Industrial and Commercial Bank of China
Handling fee: ICBC provides two transfer methods. One is money transfer card remittance. The handling fee is 1 yuan of the remittance amount. The minimum remittance handling fee is 1 yuan, and the maximum remittance fee is 1 yuan. It’s 50 yuan. Second, there is no remittance fee for Peony Card remittance.
Arrival time: Remittances by Money Link Card will arrive within 24 hours, and remittances by Peony Card will arrive within 3-5 working days.
Online Banking: The minimum fee per transaction is 5 yuan, and the maximum is 50 yuan.
Disadvantages: ICBC usually has a lot of people. ICBC in large and medium-sized cities require queuing and the processing time is long. Online banking cannot transfer money on weekends and holidays.
Bank of Communications
Handling fee: A handling fee of RMB 1 is charged for the amount less than 1,000 yuan, and a handling fee of RMB 10 is charged for the amount above 1,000 yuan. The biggest feature of Bank of Communications is that it can automatically deduct handling fees from remittances, and can even share the handling fees between the remitter and the payee.
Deposit time: real-time arrival.
Disadvantages: Few outlets.
Bank of China
Handling fee: The bank's remittance fee is 0.10 of the remittance amount, with a minimum limit of 5 yuan and a maximum limit of 500 yuan. That is, the remittance fee is 5 yuan for the remittance amount within 5,000 yuan, and the remittance fee is 0.10 of the remittance amount for more than 5,000 yuan.
Delivery time: the next day.
Disadvantages: Most BOC outlets are closed on weekends and holidays.
China Everbright Bank
Handling fee: The minimum handling fee limit is 2 yuan, and the maximum handling fee limit is 20 yuan. The handling fee is 0.5 of the remittance amount.
Deposit time: real-time arrival.
Disadvantages: China Everbright Bank's coverage area is relatively small, and remittances cannot be made in many areas.