How much is the credit card cash withdrawal fee? A complete list of major banks' charging standards

If you don't have enough money on hand, credit card cash withdrawals can help you solve the problem, but there is an additional fee that the cardholder needs to bear, because credit card cash withdrawals do not enjoy interest-free overdrafts. Equity, banks need to charge handling fees and interest. So, how much is the credit card cash withdrawal fee? Different banks have different charging standards.

1. Bank of Communications credit card cash withdrawal handling fee

1) Domestic cash withdrawal: 1% of the transaction amount, with a minimum of 10 yuan/transaction.

2) Overseas cash withdrawal: For cash withdrawal through UnionPay channels, 1% of the transaction amount will be charged, plus 12 yuan/transaction, with a minimum of 15 yuan/transaction; through VISA/MASTER channels, 1% of the transaction amount will be charged %, minimum USD 5 per transaction.

2. Guangfa Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: charged according to the amount of each cash withdrawal, with a minimum of 10 yuan/transaction; cash withdrawal through ATM machine 4 yuan/transaction, Free from January 1, 2017 to December 31, 2018.

2) Overseas cash withdrawal: 3% of the cash withdrawal amount is charged, with a minimum of 15 yuan per transaction.

3. Construction Bank credit card cash withdrawal fees

1) Withdrawal through our bank or UnionPay network: 1% of the cash withdrawal amount for each transaction, with a minimum of RMB 2 and a maximum of RMB 100 .

2) Withdrawal through non-UnionPay network: 3% of the cash withdrawal amount is charged for each transaction, with a minimum of 3 US dollars or 3 euros.

4. CITIC Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: calculated as 2% of the cash withdrawal amount, with a minimum standard of 20 yuan per transaction.

2) Overseas cash withdrawal: calculated as 3% of the cash withdrawal amount, with a minimum standard of 3 US dollars, 30 Hong Kong dollars or 3 euros; you can enjoy domestic cash withdrawal discounts through UnionPay channels.

5. Pudong Development Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: the handling fee is 2% of the amount of each cash withdrawal, with a minimum charge of RMB 20 per transaction.

2) Overseas cash withdrawal: The handling fee is 2% of the amount of each cash withdrawal, and the minimum charge is 20 yuan/2 US dollars/2 euros/2 pounds per transaction.

6. Cash withdrawal fees for China Merchants Bank credit cards

1) Domestic cash withdrawals: The handling fee is 1% of the amount of each cash withdrawal, with a minimum charge of 10 yuan per transaction.

The above are the charging standards for credit card cash withdrawal fees of major banks. Although different banks have different charging standards, cardholders can budget it. What needs to be more vigilant is the cash withdrawal interest, which is 0.05% per day. The interest rate may not seem high, but if you don’t repay it for a long time, it’s still a big sum of money. Credit card application

How much is the handling fee for cash withdrawal from Bank of China credit card ATMs

Domestic (excluding Hong Kong, Macao and Taiwan) self-service cash withdrawal channels:

(1) Great Wall Global Connect Series Products: Free for local customers of our bank; RMB 10/transaction for other places of our bank; RMB 4/transaction for local inter-bank transactions; RMB 12/transaction for inter-bank inter-bank transactions;

(2) Bank of China series products: RMB and Inter-bank transactions are 1% of the transaction amount, with a minimum of RMB 8 per transaction within our bank and a minimum of RMB 12 per transaction for inter-bank transactions;

Cash withdrawals through self-service channels abroad and in China, Hong Kong, Macao and Taiwan (UnionPay network):

< p>(1) Great Wall Global Pass series products and financial business cards are RMB 15 per transaction;

(2) Bank of China series products are 1% of the transaction amount, with a minimum of RMB 15 per transaction;

(3) For corporate business cards, the fee is 3% of the transaction amount, with a minimum of RMB 30 per transaction;

Cash withdrawals from foreign and self-service channels in Hong Kong, Macao and Taiwan (non-UnionPay network): 3% of the transaction amount , minimum USD 3.5/500 yen per transaction;

Other fees incurred for cash withdrawals at overseas non-Bank of China self-service terminals shall be borne by the cardholder.

The above content is for your reference, please refer to actual business regulations.

How much is the credit card cash withdrawal fee?

The following points need to be paid attention to when using CCB credit cards:

1. A handling fee will be deducted for cash withdrawals with CCB credit cards, and a handling fee of 0.5% of the cash withdrawal amount will be deducted for domestic cash withdrawals. , the minimum is 2 yuan and the maximum is 50 yuan. The overseas cash withdrawal fee is calculated as 0.5% of the cash withdrawal amount plus 12 yuan, with a minimum of 14 yuan;

2. There is no interest-free period for CCB credit card cash overdrafts. From the date of withdrawal, interest of 0.5% will be deducted based on the cash withdrawal amount every day until the principal and interest are paid off;

3. Consumption before the monthly statement date will be billed on the bill date of the month, and the bill will be issued on the third day after the bill date. If you pay off the loan before one repayment date, you can enjoy the interest-free treatment;

4. Consumption after the monthly bill date will be billed on the next month's bill date, and the first repayment date after the next month's bill date. If you have paid it off before, you can enjoy the interest-free treatment;

5. There is no interest-free period for cash withdrawals by credit card, and there is a handling fee. The interest will be calculated at 0.05% of the cash withdrawal bill amount from the date of withdrawal until the payment is repaid. It is not recommended to withdraw cash by credit card until all the principal, interest, etc. are paid off. If you need it urgently, you should repay it as soon as possible;

6. The repayment date of the credit card is the last repayment date, and it can be any day before Repayment is possible, and you can repay multiple times. However, if you exceed the repayment date, it will be considered overdue, which may affect your personal credit, so you should repay in time.

What is the handling fee?

Credit card cash withdrawals are divided into domestic withdrawals and overseas withdrawals. Domestic cash withdrawals are charged a handling fee of 1% of the withdrawal amount. Overseas cash withdrawals are marked with PLUS or CIRRUS. When withdrawing cash from a marked ATM, a handling fee of 3% of the cash withdrawal amount is charged.

1. Cash withdrawal by bank credit card is cash advance, which is one of the most basic functions of a credit card. Cash withdrawal can take 30%-50% of the credit limit (different banks vary). There is no interest-free period for credit card cash withdrawals and there is a cash withdrawal fee (different from different banks). Credit card cash withdrawals are subject to interest, and the interest is 50,000 per day.

2. The calculation methods of credit card cash withdrawal fees of different banks may be different. Most of them are charged at a one-time basis of 1% of the transaction amount, which can be implemented in accordance with the corresponding bank regulations of the credit card. However, the calculation method for cash withdrawal interest is the same. It is charged on a daily basis based on 50,000% of the transaction amount. It is calculated from the date of withdrawal to the day before the date of repayment.

3. Credit card handling fees of different banks are also different. Agricultural Bank of China, China Merchants Bank, and Bank of Communications all charge a handling fee of 1%. Local cash withdrawals from Industrial and Commercial Bank of China and Bank of China are free of charge. The handling fees of banks such as China Everbright Bank, Ping An Bank, China Guangfa Bank, and Shanghai Pudong Development Bank exceed 2.5%.

That’s it for the introduction to the credit card withdrawal fees.