I believe everyone has a lot of bank cards. As banks are not very creditworthy and collect annual fees, if you have too many cards in your hand, some banks The high fees for inter-bank withdrawals in different places are extremely uneconomical for personal financial management. Recently I have considered canceling a few bank cards, including those that charge annual fees, have high long-distance transfer fees, are not commonly used, and do not have convenient online banking operations. Here is some information for everyone to refer to. Everyone needs a bank, but there are many traps. The cost of choosing a bank should be 1 or 2 comprehensive comparisons of costs. At least it should be clear: 1. Cost of production 2. Annual fee 3. ATM withdrawal fees 4. Off-site cash withdrawal fee 5. Inter-bank charges within the same city 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, report loss, password loss, open or replace a new card

Bank of China 10 yuan 10 yuan 10 yuan unknown 5 yuan/card

ICBC 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 general 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

Investment Bank 0 yuan 0 yuan 10 yuan unknown————

Guangdong Development Bank 5 yuan 0 yuan 10 yuan unknown————

Shenzhen Development Bank 0 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 per transaction, capped charge

Industrial and Commercial Bank of China 1 yuan and 50 yuan for one hundredth

China Construction Bank 1 yuan and 50 yuan for 5/1000

1 yuan and 50 yuan for Bank of China 5/1000

Agriculture Bank: 1 yuan 5/1000 and 25 yuan

China Merchants Bank 5 yuan 5/1000 No

Guangfa Bank 5 yuan 1/1000 No

Shenzhen Development Bank 1/5 yuan no

Bank of Communications 1/10 yuan 50 yuan

China Everbright Bank free free free

Minsheng Bank free free free

Free and free of charge for Shanghai Pudong Development Bank ATM machine withdrawal fees of major banks (each charge) Bank name: Cash withdrawal in different places of the bank, cash withdrawal in the same city, cross-bank cash withdrawal, cash withdrawal in different places and cross-banks

0.5% of the transaction amount of ICBC, minimum 1 yuan, up to 50 yuan 2 yuan/transaction amount 0.5% + 2 yuan/transaction

Bank of China 5 yuan/transaction 2 yuan/transaction 7 yuan/transaction

Agricultural Bank of China 1% of the transaction amount, minimum 1 yuan 2 yuan/transaction amount 1% + 2 yuan/transaction

China Merchants Bank 5‰ of the transaction amount is exempted for the first three transactions per month, and 2 yuan starting from the fourth transaction /Transaction 2 yuan/transaction + 5‰ of the transaction amount

Bank of Communications 8‰2 yuan/transaction amount 8‰+2 yuan/transaction

Minsheng Bank 5 Yuan/transaction is free according to the price of the bank where the ATM machine is located

Shenzhen Development Bank is free

Nanjing Bank is free

Shanghai Pudong Development Bank is free for orders above 1,000 yuan (National UnionPay logo ATM)

The first transaction of Hua Xia Bank every day is free

Note: Industrial Bank (there is no charge for withdrawals at our own bank’s ATMs, and RMB 2 for withdrawals at other banks’ ATMs (including local and remote locations) Yuan/transaction (the first 3 transactions per month are free); a few areas (Xiamen, etc.) charge 2 yuan/transaction, and Beijing, Nanjing, and Shenzhen branches do not charge any fee. )

China Construction Bank (Dragon Deposit Card: Inter-bank ATM cash withdrawal fee is 2 yuan per transaction plus 1% of the transaction amount, including 1% of the transaction amount, with a minimum of 2 yuan. At ATMs in Hong Kong Cash withdrawal fee: 10 yuan per transaction plus 1% of the transaction amount.

) Annual fees for using online banking Bank of China: No fee

Agricultural Bank of China: Annual fee is 50 yuan

Industrial and Commercial Bank of China: 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

Note: ICBC Elite Account customers are free of charge Charges for using telephone banking Bank of China: no charge

Agricultural Bank of China: no charge

ICBC: 12 yuan per login card

China Construction Bank: 36 Yuan/year

Shanghai Pudong Development Bank: No fee for the time being

Huaxia Bank: No fee

Shenzhen Development Bank: No fee

CITIC Industrial Bank: No fee

Minsheng Bank: No fee

Guangdong Development Bank: No fee

Note: ICBC Elite Account customers are exempt from fees. Currently, all banks There are usually two ways to remit money overseas, one is over-the-counter remittance directly to the bank, and the other is remittance 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. The minimum remittance handling fee is 1 yuan and 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 0.05% handling fee is charged, with a minimum of 10 yuan and a maximum of 50 yuan; for inter-bank remittances, a 1% handling fee is charged, with a maximum of 50 yuan.

Deposit time: Immediate arrival. China Merchants Bank

Handling fees: There are two types. One is fast remittance, with a minimum handling fee of 5 yuan. For amounts exceeding 1,000 yuan, a fee of 0.5% is charged. It is suitable for remittances 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. 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

Processing 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, there are usually two methods of remittance in various banks, one is over-the-counter remittance directly to the bank, and the other is remittance through online banking or telephone banking. 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 1% is charged for amounts exceeding 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 remittances of less than 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 remittances of more than 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 remitting money, you need to click "Peer Express Remittance", 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: Industrial and Commercial Bank of China provides two transfer methods. One is Money Link card remittance. The handling fee is 1% of the remittance amount. The minimum remittance handling fee is 1 yuan and the maximum is 50 yuan. Second, there is no remittance fee for Peony Card remittance.

Arrival time: Money Link Card remittance is available 24 hours a day, focusing on the following features for selection:

Agricultural Bank of China Card - The advantage is that if you live in a rural area, there are many such banks, and you can save money at home. Convenient money

ICBC Card - The advantage is that there are many outlets

China Bank Card - The advantage is international settlement and convenient exchange: such as studying abroad

Pudong Development Bank Card ——The biggest advantage is that as long as you withdraw money from Shanghai Pudong Development Bank, there are no handling fees even if you withdraw money across provinces and cities; the disadvantage is that there are too few outlets

Others, account opening fees, inter-bank transaction fees, and out-of-town withdrawal fees are all Almost the same as Shanghai Pudong Development Bank: Remittance:

1. Remittance rate: Intra-city remittance: 0.2%, minimum 2 yuan, maximum 10 yuan (the range within the same city is subject to our bank's regulations) (1000---->2 )

Off-site remittance: 0.8%, minimum 2 yuan, maximum 40 yuan (20% off the over-the-counter remittance rate) (1000----->8)

Special Discount: From April 15 to October 15, 2005 (subject to the actual remittance date), the handling fee for cross-bank remittances is 50% off the counter, and is charged at 0.5% of the remittance amount, with a minimum of 2 yuan and a maximum of 25 yuan.

(1000---->5)

2. Inter-bank remittances can generally reach the beneficiary bank within 24 hours (working days), and will be postponed in case of holidays, except for special circumstances; Transfer: (cooperating with chinapay) 1. Intra-city transfer fees are divided into different levels: Transfer amount: 0--5,000 (inclusive) Handling fee: 2 yuan; (1000---->2)

Transfer amount: 5,000--50,000 (inclusive) ) Handling fee: 3 yuan;

Transfer amount: 50,000--100,000 (inclusive) Handling fee: 5 yuan.

2. Charging standards for long-distance transfers: Long-distance transfers are charged at 5/1000 of the transfer amount, with a minimum of 5 yuan and a maximum of 50 yuan. (1000---->5)

China Merchants Bank: Transfer: 1. This bank in the same city (including: all-in-one card, passbook, credit card): Under normal circumstances, funds arrive in real time without any handling fees. 2. Our bank in the same city: Under normal circumstances, funds can arrive in your account within 2 working days, and there is no handling fee. 3. Transfers from accounts of other banks in the same city (excluding postal savings): Under normal circumstances, funds can arrive in the account within 2 working days, and a handling fee of RMB 2 will be charged for each transfer transaction; (1000---->2) Remittance: 1 , "Use the quick remittance within the China Merchants Bank system" to remit money to an out-of-town China Merchants Bank all-in-one card account: Under normal circumstances, the funds arrive in real time; each remittance transaction is charged a handling fee of 0.2% of the remittance amount, with a minimum handling fee of 5 yuan and a maximum of 50 yuan. (1000---->5) 2. Remittance to a remote China Merchants Bank account: Under normal circumstances, the funds can arrive in the account within 2 working days. Each remittance transaction is charged a handling fee of 1% of the remittance amount, with a minimum handling fee of 10 yuan and a maximum of 50 yuan. (1000------>10) 3. Remittance to other bank accounts in other places (excluding postal savings): Under normal circumstances, funds can be received in 5 working days. Each remittance transaction is charged a handling fee of 1% of the remittance amount, with a minimum handling fee of 10 yuan and a maximum of 50 yuan. (1000------>10) ChinaPay: Intra-city transaction fee: 2 yuan/transaction; (1000---->2) Out-of-city transaction fee: 0.5% of the transaction amount paid by the cardholder as a transaction The minimum handling fee is 5 yuan (1000--->5). Some banks charge the handling fee for inter-bank transfers in the same city, and some banks do not, so choose a bank that does not charge it. Don't worry about this small amount, save it, and Quite a few. As for the arrival time, it usually arrives on the same day, but if the bank staff is lazy, it is normal for it to arrive the next day. The following information is for reference only. For accurate rates, you can call the customer service hotlines of major banks for consultation.

Industrial and Commercial Bank of China Peony Money Link Card

Inter-city transfers between banks: 1% of the amount, with a minimum of 1 yuan and a maximum of 50 yuan.

Agricultural Bank of China Jinsui Debit Card

Intra-city inter-bank transfer: 1% of the transaction amount, with a minimum of 1 yuan and a maximum of 50 yuan.

China Construction Bank Dragon Card Deposit Card

Transfer to other places: 0.5% of the amount of each transaction, minimum 2 yuan, maximum 50 yuan.

China Merchants Bank All-in-One Card

Intra-city inter-bank transfer: 2 yuan/transaction

Bank of Communications Pacific Debit Card

In-city inter-bank transfer: Transaction 1% of the amount, up to 50 yuan.

Hua Xia Bank Hua Xia Card

Same city inter-bank transfer: 0 yuan

Shanghai Pudong Development Bank Oriental Debit Card

Same city inter-bank transfer: 0 yuan

China Everbright Bank Sunshine Card

Inter-bank transfer in the same city: 0 yuan

China Minsheng Bank Minsheng Debit Card

Inter-bank transfer in the same city Transfer: 0 yuan

CITIC Bank CITIC Debit Card

Intra-city inter-bank transfer: 1% of the transaction amount, minimum 1 yuan, maximum 50 yuan

Industrial Bank Industrial Card

Inter-bank transfer in the same city: 0 yuan

Shenzhen Development Bank Shenzhen Development Bank Debit Card

Inter-bank transfer in the same city: 1 yuan

Guangdong Development Bank New Wealth Management Card

Inter-bank transfer in the same city: if the transfer amount is within 10,000 yuan (inclusive), 3 yuan will be charged per transaction; 10,000 yuan to 50,000 yuan (inclusive) , charged at 5 yuan per transaction; 50,000 yuan to 100,000 yuan (inclusive), charged at 8 yuan per transaction; above 100,000 yuan, charged at 10 yuan per transaction;