A handling fee of 5-20 yuan will be charged to apply for a bank debit card, and some are free of charge. For example, there is a card opening fee of 5 yuan to apply for an Industrial and Commercial Bank of China card; there is a 5 yuan card opening fee to apply for a China Construction Bank card. However, there is no charge for applying for a credit card.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

Data show that there are nearly 3.4 billion magnetic stripe cards on the market that need to be replaced with chip cards. The cost of each chip card is about 10 yuan, and the replacement cost is tens of billions. Industry insiders believe that the charging standards for "core" replacement require further regulation by regulatory authorities. In the process of replacing magnetic stripe cards with chip cards, some banks will charge consumers a certain amount of production fees, which has aroused heated discussion in society. In this regard, the China Consumers Association believes that banks should bear the cost of replacing bank card cores. [8] At present, all banks have the same charging standards for card replacement. Banks such as ICBC and Minsheng Bank replace IC cards free of charge. The card replacement fees of most other banks are generally 10 yuan to 20 yuan. Some banks claim that the maximum charge for card replacement is 40 yuan. .

ICBC is free of charge, and cards starting with 95888, 622208, 62127, etc. do not need to change the number.

The Agricultural Bank of China offers a maximum of 40 yuan, the first IC card before the end of the year is free, and the non-first-time fee is reduced by 80 yuan.

Bank of China charges up to 5 yuan, and there is no charge for replacing a magnetic stripe card with a chip card before March 31. The fee for applying for a new card is 5 yuan. Card numbers starting with 6 do not need to be changed, but numbers starting with 4 need to be changed.

The maximum charge of China Construction Bank is 40 yuan. There is no cost to change the card at the Beijing branch, and no account protection is required. Card numbers starting with 6 can be exchanged with the same card number, while numbers starting with 4 cannot be guaranteed. Cost of production fee is not uniformly implemented in practice, but in fact, most of the replacement cards with the same card number and replacement of damaged cards do not charge cost of production.

Bank of Communications charges a maximum of 20 yuan. A handling fee of 20 yuan is required for ordinary card replacement and new ordinary IC cards; for replacement or new application of Ward Card, Bank of Communications Wealth Management Card, Salary Card, and Exclusive Salary Cards, annuity cards and other chip cards are exempt from production fees. When changing cards, cards with 17-digit card numbers cannot be protected, but cards with 19-digit card numbers can be protected.

China Merchants Bank has a maximum of 10 yuan. There is no cost of replacement for gold cards and above. There is also no cost of replacement for ordinary cards when replacing M cards in Beijing. Different outlets will have corresponding cost reduction and exemption policies. For example, depositing 1,000 yuan when opening a card can reduce the cost of production. The number cannot be guaranteed by changing the card.

CITIC Bank charges a maximum cost of RMB 20. It charges a cost of RMB 20 for regular card replacement, 10 RMB for gold card customers, and no cost for platinum and above cards. The number cannot be guaranteed by changing the card.

Minsheng Bank is free of charge, and there is no fee for card replacement before July 2015. UnionPay debit cards, gold cards, diamond cards, merchant cards, Home Alone cards, salary financial cards, etc. can all be replaced with guaranteed numbers. However, UnionPay Postal Wealth Management Card does not support IC card replacement.