There is no annual fee for debit cards, only account management fees. Currently, CITIC Bank does not charge management fees for debit cards.

However, it is not ruled out that after a few years, sleep debit cards that have not been used for a long time will be charged. In other words, if you make normal deposits, withdrawals, or purchases within a year, it will basically not be charged. There will be a management fee.

Examples of bank debit card charging standards:

1. Industrial and Commercial Bank of China: card application fee is 5 yuan, annual fee is 10 yuan/year, small account is accepted if less than 300 yuan Management fee is 3 yuan/quarter, and inter-bank withdrawals in the same city are 2 yuan/transaction;

2. Agricultural Bank of China: card application fee is 5 yuan, annual fee is 10 yuan/year, small amount account management fee is charged if the amount is less than 300 yuan The fee is 3 yuan/quarter, and the inter-bank withdrawal in the same city is 2 yuan/transaction;

3. China Construction Bank: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and a small account management fee is charged for amounts less than 500 yuan. 3 yuan/quarter;

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

5. Bank of Communications: The card application fee is 5 yuan, the annual fee is 10 yuan/year, the small account management fee is 3 yuan/quarter for less than 500 yuan, and the inter-bank withdrawal in the same city is 2 yuan/transaction;

6. Postal Savings: Free to apply for a card, 2 yuan/transfer for inter-bank withdrawals in the same city, most provinces and cities do not charge annual fees and small account management fees;

7. China Minsheng Bank: Free to apply for a card , no annual fee, no small account management fee (except Shenzhen), intra-city inter-bank withdrawals are free for the first 3 transactions per month, and 2 yuan/transaction thereafter;

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. China CITIC Bank: Free card application, no annual fee, no small account Management fee, the first two withdrawals per month for inter-bank withdrawals in the same city are free, and 2 yuan/transfer thereafter;

10. Hua Xia Bank: Free card application, no annual fee, no small account management fee, daily withdrawals for inter-bank withdrawals in the same city The first transaction is free, and the next transaction is 2 yuan/transaction;

11. Shanghai Pudong Development Bank: Free card application, no annual fee, withdrawals from different banks in the same city are 2 yuan/transaction, and the account management fee is 12 yuan/year. If If the balance in the account is always more than 1,000 yuan, or if a POS card payment is made within the year, it will be exempted;

12. Industrial Bank: Free card application, no annual fee, no small account management fee, cross-bank in the same city The first three withdrawals per month are free, and the next three withdrawals are RMB 2 per withdrawal;

13. China Merchants Bank: Free card application, no annual fee, withdrawals from different banks in the same city are RMB 2 per withdrawal, and account management fee: the same customer withdraws money in this bank If the bank assets are less than 10,000 yuan, 1-5 yuan/month.

Extended information:

1. Debit card functions

1. Deposit and withdraw cash: Most debit cards have local and foreign currency, fixed-term, current and other savings functions , debit cards can be deposited and withdrawn at card-issuing bank outlets and self-service banks, as well as at ATMs (cash machines) across the country and even around the world.

2. Transfer and remittance: Cardholders can transfer or remit money to other accounts through bank branches, online banking, self-service banking and other channels.

3. Credit card consumption: Cardholders can use debit cards to make purchases at merchants.

4. Collection and payment: Debit cards can be used to pay wages on behalf of others, and can also be used to pay various fees (such as communication fees, water bills, electricity bills, gas bills, etc.).

5. Asset management: Financial products, open-end funds, insurance, personal foreign exchange trading, precious metal trading, etc. can all be signed, traded and settled through debit cards.

6. Other services: Many bank debit card services have extended beyond financial services, such as providing airport VIP access, medical and health services, etc. to cardholders.

2. The difference between debit cards and credit cards:

1. Credit cards

Credit cards are issued by commercial banks to individuals and organizations. A special carrier card with consumer credit for shopping, consumption, and depositing and withdrawing cash from banks;

It is in the form of a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front and the name of the cardholder on the back. Cards with magnetic strips and signature strips. Credit card.

2. Debit Card

Debit Card is called a debit card in Mastercard and a Visa debit card in Visa. It is a payment method linked to a living account. Tools are deposited first and then consumed (or cash withdrawn), and the cardholder must open a current account at the card-issuing bank at the same time. With a credit card, you can spend money first and then return the money to the bank within a certain period of time when there is no money in the account.

Debit cards can be used for online banking, POS consumption or ATM transfer, consumption and withdrawal. Overdraft is not allowed and deposits must be made before spending. You can use as much as you deposit. When making purchases at merchant POS machines, you do not need to pay any fees other than the price of goods or services.

The amount in the card will be charged interest based on current deposits. Funds are withdrawn directly from your savings account when you spend or withdraw money. Like credit cards, debit cards are also bank cards that use the ISO 7810 standard.

Most banks stipulate that you do not need to pay any fees when you use a debit card to deposit and withdraw cash at the local business counter of the card-issuing bank or at the bank's local self-service equipment. When depositing and withdrawing cash on the device or conducting cross-bank (non-card-issuing bank) cash deposits and withdrawals, balance inquiries and other transactions (whether local or remote) through networks such as UnionPay, you need to pay corresponding handling fees.

Baidu Encyclopedia-Debit Card

Baidu Encyclopedia-Debit Card