Charges for inter-bank and inter-regional withdrawal of BOC series credit cards of Bank of China
Self-service terminals: domestic (excluding Hong Kong, Macao and Taiwan): 1% of the transaction amount of the Bank and inter-bank, with the minimum RMB 8 yuan per transaction and the minimum RMB 12 yuan per transaction;
foreign countries and China, Hong Kong, Macao and Taiwan (non-UnionPay network): 3% of the transaction amount, with a minimum of 3.5 USD /5 yen per transaction;
foreign countries and China, Hong Kong, Macao and Taiwan (UnionPay network): 1% of the transaction amount, with a minimum of RMB 15 yuan per transaction; The corporate business card is 3% of the transaction amount, with a minimum of RMB 3 yuan per transaction. (Note: Other expenses arising from cash withdrawal from self-service terminals of non-China banks abroad shall be borne by the cardholder himself).
the above contents are for your reference. please refer to the actual business regulations.
how much is the handling fee for cross-bank withdrawal of CCB credit cards?
People are always in a hurry to use money. If you have a CCB credit card, you can use it to withdraw cash. No matter whether you withdraw cash from your peers or cross-banks, the handling fee is the same. Let's see how the specific charges are implemented.
1. Handling fee for cash withdrawal of CCB credit card
1. Domestic cash withdrawal
Withdrawal through the Bank or UnionPay network: 1% of the cash withdrawal amount, with the lowest 2 yuan and the highest 1 yuan;
withdrawal through non-unionpay network: 3% of the withdrawal amount, with a minimum of USD 3 or EUR 3.
PS: the domestic overdraft withdrawal fee is charged uniformly regardless of peers and banks; However, the domestic bank is exempt from the cash handling fee for cash withdrawal of overpayments in the same city.
2. Overseas cash withdrawal
Withdrawal through UnionPay network: 1% of the cash withdrawal amount in 12 yuan, with a minimum of 14 yuan;
withdrawal through non-unionpay network: 3% of the withdrawal amount, with a minimum of USD 3 or EUR 3.
second, CCB's credit card cash withdrawal interest
CCB's inter-bank cash withdrawal fee varies according to the cash withdrawal network path adopted by the cardholder, but in any case, it is not cost-effective. If it is necessary, it should be paid off as soon as possible to prevent the interest from rolling and the repayment cost from increasing.
how much is the handling fee for cross-bank cash withdrawal by credit card
Cash withdrawal by credit card is what we often call cash withdrawal. There is a handling fee for cash withdrawal, and there is no saying that there is no cross-bank. The handling fee for credit card withdrawal in most banks is similar, basically around 1%.
1. In addition to the handling fee, credit card withdrawal also has interest. The general interest is 15, a day, and the approximate annualized interest rate is 18.25%. For example, China Merchants Bank applied for a withdrawal amount of 1, yuan, and the winning fee was 1 yuan, and the withdrawal fee was 1%.
2. Inter-bank withdrawal is to withdraw money from a non-deposit bank, which is generally used for ATM withdrawal. Cross-bank withdrawals generally charge a handling fee ranging from 2 to 5 yuan, and some banks do not charge a handling fee for the first 2 to 3 cross-bank withdrawals every month. After all state-owned banks have implemented the 4 yuan standard of inter-bank handling fee in the same city, some joint-stock banks have officially raised this fee since July 21.
new regulations on the management of inter-bank withdrawal fees:
1. On February 11th, 212, the China Banking Regulatory Commission, the People's Bank of China and the National Development and Reform Commission jointly issued the Measures for the Administration of Service Prices of Commercial Banks (Draft for Comment) for public comments. The "Measures" clearly distinguish between government pricing and market-regulated prices. Compared with the previous version, the supervision and punishment measures are more detailed, and commercial banks are required to fulfill the obligation of clearly marking prices and reporting, and the price adjustment must be announced at least three months in advance.
2. The relevant person in charge of the China Banking Regulatory Commission said that the key points of the new Measures are: first, focus on safeguarding the legitimate rights and interests of the people, and protect the people's right to know, choose independently, trade fairly and supervise commercial banking services; Second, adhere to the reform direction of market-oriented pricing of service prices of commercial banks and encourage commercial banks to innovate; Third, focus on standardizing the service price behavior of commercial banks; The fourth is to strengthen the supervision and management of the service prices of commercial banks.
3. On June 25th, 221, China Banking Association and China Payment and Clearing Association, under the guidance of China Banking and Insurance Regulatory Commission and the Central Bank, jointly issued the Proposal on Reducing the Inter-bank Cash Withdrawal Fees of Automatic Teller Machines (ATMs), proposing that commercial banks and clearing institutions appropriately reduce the inter-bank cash withdrawal fees in the same city and in different places, with the charging standard not exceeding 3.5 yuan. According to the proposal, the relevant institutions will implement the fee reduction measures within one month.
Bank of China Great Wall series credit card atm inter-bank withdrawal fee
Self-service terminal: domestic (excluding Hong Kong, Macao and Taiwan): 1. The bank is free locally; The Bank's off-site RMB 1 yuan/transaction, inter-bank local RMB 4 yuan/transaction and inter-bank RMB 12 yuan/transaction, among which special cards such as Great Wall American Express Private Bank Card/Great Wall Zheshang Card/Great Wall Chaoshang Card/Funong Card are free. 2. Overseas and China, Hong Kong, Macao and Taiwan (UnionPay network): Great Wall Global Link series products, financial business card RMB 15 yuan/transaction, corporate business card RMB 3% of the transaction amount, and the minimum RMB 3 yuan/transaction; Foreign countries, China, Hong Kong, Macao and Taiwan (UnionPay network): Great Wall Global Link series products, financial business cards, RMB 15 yuan/transaction, corporate business cards, 3% of the transaction amount, the minimum RMB 3 yuan/transaction;
foreign countries and China, Hong Kong, Macao and Taiwan (non-UnionPay network): 3% of the transaction amount, with a minimum of 3.5 USD /5 yen per transaction. Other expenses arising from cash withdrawal from overseas self-service terminals of non-China banks shall be borne by the cardholders themselves.
the above contents are for your reference. please refer to the actual business regulations.
Charges for cash withdrawal by credit cards in major banks
There are times when we are all short of funds and need cash, so the charge for cash withdrawal by credit cards has always been a matter of great concern to everyone. Today, what is presented to you is the charging standard for cash withdrawal of credit cards of major banks in 218 for your reference.
1. Credit card of China CITIC Bank
1. RMB: the cash withdrawal rate is 2%, and the minimum 2 yuan, with interest on both principal and handling fee, is charged at .5 ‰ per day;
2. Overseas USD: the cash withdrawal rate is 3%, with a minimum of USD 3. If the monthly interest is less than USD 1, USD 1 will be charged.
2. Bank of Communications credit card
The handling fee for cash withdrawal is 1%, with the lowest 1 yuan, and the interest is calculated from the next day.
3. The handling fee for withdrawing cash from China Merchants Bank's credit card
is 1%, with the lowest 1 yuan, and the interest charge is five ten thousandths of the principal.
IV. China Bank Credit Card
1. BOC series: 1% for domestic banks, ATMs or counters, with the lowest in 8 yuan and 1 yuan, 3% for overseas countries and the lowest in US dollars;
2. Great Wall Series: The Bank is free of charge locally, and 1% of withdrawals are made in different places, with the lowest 1 yuan, 12 yuan/transaction in different places and 4 yuan/transaction in different places. 3% overseas and international, minimum USD.
V. ICBC Credit Card
Local currency: local banks are free of handling fees, and 1% of withdrawals are made in different places, with the lowest in 2 yuan and the highest in 1 yuan, and the local banks are 2-4 yuan;
foreign currency: according to the cash withdrawal amount, the minimum is HK$ 3, US$ 3 or Euro, including domestic and overseas;
that's what I've compiled. I hope some bank credit card withdrawal fees are useful to you.
is there a handling fee for withdrawing cash from the credit card ATM?
yes. Under normal circumstances, a handling fee is required to withdraw cash by credit card, which is usually charged at 1% of the withdrawal amount in China and 3% of the withdrawal amount abroad, except for cash withdrawal from overflow deposits. There is a slight difference in the handling fees for cash withdrawal of credit cards among major banks. Please refer to the actual charges of the issuing bank. It should be noted that credit card withdrawals do not enjoy interest-free concessions, and interest is charged on a daily basis. It is recommended that cardholders call the issuing bank to find out the detailed charges.
Take ICBC as an example:
1. Withdrawal in China
1. Withdrawal in RMB: 1% of the withdrawal amount is charged for each transaction, ranging from 2 yuan to 1 yuan. 4 yuan will be charged for each withdrawal from inter-bank ATM machines.
2. foreign currency withdrawal: each withdrawal is charged at 2.9% of the withdrawal amount, with a minimum of HK$ 3/MOP/USD/Euro, and the minimum equivalent of other foreign currencies is US$ 3.
2. Withdrawals from overseas
1. Withdrawals from overseas UnionPay channels (including Hong Kong, Macao and Taiwan): 1% of the withdrawal amount is charged for each transaction, with the lowest in 14 yuan and the highest in 112 yuan.
2. international credit card organizations withdraw money through channels (including Hong Kong, Macao and Taiwan): each withdrawal is charged at 2.9% of the withdrawal amount, with a minimum of HK$ 3/MOP/USD/Euro and a minimum of US$ 3 for other foreign currencies.
Cash withdrawal by credit card is different from cash withdrawal by credit card. Cash withdrawal by credit card is one of the inherent functions of credit card. Cardholders can use credit card to withdraw cash from banks. Cash withdrawal by credit card mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal requires payment of interest, and interest is calculated from the day you withdraw cash, while overpayment cash withdrawal requires no interest, only part of the handling fee, depending on the regulations of banks. It should be noted that the bank card logo under Visa International Credit Card Organization is VisaelECRONINTERLINK Plusvisascash. Among them, the credit card with VisaVisa can be overdrawn now. ElecronVisa's debit card can be taken and cannot be overdrawn now. PlusVisa's withdrawal cards can only be used now and cannot be overdrawn. InterlinkVisa's internet transfer card can be withdrawn and cannot be overdrawn.
the limit of overdraft withdrawal is set according to the cardholder's card usage, and the maximum is not more than 5% of the cardholder's credit limit, and the daily limit of ATM withdrawal per card per person is 2. In addition to the withdrawal fee, interest must be paid for domestic and foreign overdraft withdrawals, and some banks can enjoy interest-free treatment.
cash withdrawal of overpayment refers to the withdrawal of funds deposited in the card or overpaid funds during repayment by the cardholder. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, the cardholder should call the bank telephone service hotline to apply.
that's enough for the introduction of the inter-bank withdrawal fee for credit cards.