There are handling fees for inter-bank transfers regardless of whether they are in the same city or different places. It depends on which channel you use. If you transfer money across banks at the counter, the fee is 1% of the transfer amount, with a minimum of 2 yuan and a maximum of 50 yuan; if you use online banking, the fee is 0.5% of the transfer amount, with a minimum of 2 yuan and a maximum of 25 yuan; if you use mobile banking, the fee is The transfer amount is 0.15%, with a minimum of 1 yuan and a maximum of 15 yuan. :

According to the provisions of the Bank Settlement Measures, except for those that can be settled in cash as stipulated in the "Interim Regulations on Cash Management", all commodity transactions that occur between enterprises, institutions, agencies, groups, troops, etc. , labor supply, capital allocation, credit transactions, etc. should be settled by transfer through banks in accordance with the provisions of bank settlement methods. The reason why the state encourages the implementation of bank transfer settlement is because:

(1) The implementation of bank transfer settlement is conducive to the country's regulation of currency circulation. Implement bank transfer settlement and replace cash circulation with bank credit receipts and payments, so that only businesses below the settlement starting point and within the scope of cash expenditures can use cash for economic transactions between units, narrowing the scope and quantity of cash circulation, making A large amount of cash is out of circulation, thus creating conditions for the country to organize and adjust currency circulation in a planned manner to prevent and suppress inflation.

(2) Implementing bank transfer settlement will help speed up the turnover of materials and funds. Bank transfer settlement is achieved through centralized clearing of funds by banks. The bank transfers funds directly from the paying unit (or individual) to the receiving unit (or individual) by using various settlement vouchers and bills on the bank account. Regardless of the size of the payment, whether it is complex or simple, and regardless of the distance, as long as it is settled during settlement All transactions above the starting point can be handled in a timely manner through banking institutions. The procedures are simple, eliminating the need for payment transportation, counting, and custody procedures when using cash settlement. It is convenient and fast, thus shortening the liquidation time and accelerating the turnover of materials and funds.

Reference materials: Bank transfer Baidu Encyclopedia