1. China Construction Bank: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and the small account management fee is 3 yuan/quarter if it is less than 400 yuan. You can deposit money immediately after applying for the card. ?When an individual applies for a bank card (except stored-value cards), he or she must provide the card-issuing bank with his or her valid identity document specified by the public security department. After the card-issuing bank passes the examination, a registered account will be opened for the card-issuing bank.

2. Card application fees of major banks

1. Industrial and Commercial Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and small-deposit accounts are accepted if the amount is less than 300 yuan. The management fee is 3 yuan/quarter. There is no handling fee for cash withdrawals with debit cards from the same bank in the same city, and 4 yuan/transaction for withdrawals from other banks in the same city. There is no handling fee for credit card deposits in other places, with 1% of the amount charged for cash withdrawals. The minimum is 1 yuan/transaction, and the maximum is 50 yuan/transaction.

2. Agricultural Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, the small account management fee is 3 yuan/quarter if the amount is less than 300 yuan, and the inter-bank withdrawal in the same city is 2 yuan/transaction ( 4 yuan in Guangdong Province); 1% of the amount charged for cash withdrawals by credit card, with a minimum of 1 yuan per transaction, and other banks will add an inter-bank fee of 2 yuan

3. China Construction Bank: card application fee of 5 yuan, annual fee of 10 yuan /year, a small account management fee of 3 yuan/quarter is charged for amounts less than 400 yuan, and inter-bank withdrawals in the same city are 4 yuan/1% of the withdrawal amount

4. Bank of China: card application fee is 5 yuan, annual fee is 10 yuan Yuan/year, no small account management fee, inter-bank withdrawals in the same city are 4 Yuan/transaction

5. Bank of Communications: Card application fee is 5 Yuan, annual fee is 10 Yuan/year, small fee will be charged if the amount is less than 500 Yuan The account management fee is 3 yuan/quarter, and the inter-bank withdrawal in the same city is 2 yuan/transaction

6. Postal Savings: The card application fee is 5 yuan, and the inter-bank withdrawal in the same city is 4 or 12 yuan/transaction, which is not available in most provinces and cities. Annual fees and small-amount account management fees are charged

7. China Minsheng Bank: Free card application, no annual fee, no small-amount account management fees (except Shenzhen), and the first three inter-bank withdrawals in the same city are free of charge every month , 2 yuan/transaction in the future

8. China Everbright Bank: Free card application, no annual fee, no small account management fee, intra-city inter-bank withdrawals are free for the first 3 transactions per month, and 2 yuan/transaction thereafter

9. CITIC Bank: Free card application, no annual fee, no small account management fee, same-city inter-bank withdrawals are free for the first 2 transactions per month, and 2 yuan/transaction thereafter

10. Hua Xia Bank: Free to apply for a card, no annual fee, no small account management fee, and inter-bank withdrawals in the same city are free for the first transaction every day (note 1: daily, not monthly), and 2 yuan/transaction thereafter

11. Shanghai Pudong Development Bank: Free to apply for a card, no annual fee, 2 yuan per transaction for inter-bank withdrawals in the same city, and 12 yuan per year for account management. If the balance in the account is always more than 1,000 yuan, or there is one POS transaction within the year (it doesn’t matter how much) , they are just encouraging the use of the card), then there is no charge.

12. Industrial Bank: It is free to apply for a card, no annual fee, no small account management fee, and the first three withdrawals per month for inter-bank withdrawals in the same city are free, and then 2 yuan/transaction

Expand Information

Rights enjoyed by cardholders:

(1) Cardholders enjoy the rights to various services promised by the card-issuing bank for their bank cards, and have the right to supervise the quality of services and Complaints about inconsistent service quality.

(2) Applicants and cardholders have the right to know the functions, usage methods, charging items, charging standards, applicable interest rates and related calculation formulas of the bank cards they choose.

(3) The cardholder has the right to request a statement from the card-issuing bank within the specified time, and has the right to request inquiry or correction of inconsistent accounts.

(4) After the loss report procedure of the debit card is completed, the cardholder will no longer bear the responsibility for changes in the funds in the corresponding card account, unless otherwise ruled by judicial or arbitration authorities.

(5) The cardholder has the right to obtain the credit card usage contract and should keep it properly.

Cardholder's obligations:

(1) The applicant shall provide true information to the card-issuing bank and provide it with a qualified guarantee in accordance with the card-issuing bank's regulations.

(2) Cardholders shall abide by the articles of association of the card-issuing bank and the relevant provisions of the "Acquisition Contract".

(3) If the cardholder or guarantor’s correspondence address, occupation, etc. changes, the card-issuing bank shall be notified in writing in a timely manner.

(4) Cardholders shall not refuse to pay the amount owed to the bank on the grounds of disputes with merchants.

Baidu Encyclopedia - Handling Fee