China Merchants Card is divided into credit card and debit card. Credit cards can't be transferred, only cash can be withdrawn or borrowed in advance. For debit card transfer, the handling fee is as follows: 1 ATM transfer in the same city: 1 1,000 yuan (inclusive) for each 3 yuan; 1 0,000 yuan to 50,000 yuan (inclusive) 5 yuan/pen. Inter-bank ATM transfer in different places: 65438+ 0% of the transaction amount, with the lowest in 5 yuan and the highest in 50 yuan for a single transaction. 2.ATM peer transfer: no handling fee. 3. Mobile banking and online banking domestic RMB transfers (including peers and inter-banks) are free regardless of the amount, and the number of free times is unlimited.