The annual fees and annual fee exemptions of major banks’ credit cards:

1 Industrial and Commercial Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and the fee is less than 300 yuan. Small-deposit account 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-deposit accounts are accepted if the amount is less than 300 yuan Management fee is 3 yuan/quarter, and inter-bank withdrawals in the same city are 2 yuan/transaction (4 yuan in Guangdong Province)

3 China Construction Bank: card application fee is 5 yuan, annual fee is 10 yuan/year, and the fee is less than 500 yuan. The small account management fee is 3 yuan/quarter, and no interest is given for this type of account, and the inter-bank withdrawal in the same city is 4 yuan/1 of the withdrawal amount (that is, it is higher than the fee for withdrawals from other places in other banks. It is so evil, and it is obviously forcing itself. Customers of other banks do not go to other banks to withdraw money, so other bank customers can receive commissions when they withdraw money from their own ATMs, so even if you use another bank’s card to cross-bank for free, you should not go to China Construction Bank to withdraw money)

4 Bank of China: The card application fee is 5 yuan, the 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, a small account management fee of 3 yuan/quarter for amounts less than 500 yuan, and a withdrawal of 2 yuan/transaction between banks in the same city

6 Postal Savings: Free card application, a withdrawal of 2 yuan/mo across banks in the same city Most provinces and cities do not charge annual fees or small account management fees

7 China Minsheng Bank: Free card application, no annual fees, no small account management fees (except Shenzhen), cross-bank in the same city The first three withdrawals per month are free, and the next three withdrawals are free of charge

8 China Everbright Bank: Free card application, no annual fee, no small account management fee, and the first three withdrawals per month across banks in the same city are free. 2 yuan/transaction in the future

9 China CITIC Bank: Free card application, no annual fee, no small account management fee, intra-city inter-bank withdrawals are free for the first 2 transactions per month, and 2 yuan/transaction after that

10 Hua Xia Bank: Free card application, no annual fee, no small account management fee, intra-city inter-bank withdrawals are free for the first transaction every day (note 1: daily, not monthly), and 2 yuan/transaction after that

11 Shanghai Pudong Development Bank: Free card application, no annual fee, intra-city inter-bank withdrawals of 2 yuan/transaction, account management fee of 12 yuan/year, if the balance in the account is always more than 1,000 yuan, or a POS card payment is made within the year ( It doesn't matter how much, they're just encouraging card use), then it's free.

12 Industrial Bank: It is free to apply for a card, no annual fee, no small account management fee, the first three withdrawals in the same city and across banks are free of charge, and then 2 yuan/transaction

13 Investment Promotion Bank: Free to apply for a card, no annual fee, 2 yuan/transaction for inter-bank withdrawals in the same city, account management fee: 1-5 yuan/month for the same customer with less than 10,000 yuan of assets in the bank (each branch decides at its own discretion, 1 yuan in Beijing, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, I don’t know the rest). The “daily average assets” here refers to the sum of all deposits and treasury bonds in the bank. For example, you deposited 10,000 yuan in China Merchants Bank. Time deposit certificate, if you apply for 10 bank cards, and there is no money in each card, then these 10 cards will not charge money, but you have 3 cards, and the deposits in the cards are 3,000 yuan, 2,000 yuan, 2,000 yuan respectively, the total If it is less than 10,000, then each card will be charged.

14 Shenzhen Development Bank: It is free to apply for a card, no annual fee, and a small account management fee of 1 yuan/month is charged for purchases less than 300 yuan, but you only need to swipe the card at POS once to make a one-year exemption, so Basically, there will be no charges. Withdrawals between banks in the same city are completely free (except Shenzhen, Chengdu, and Chongqing, 2 yuan/transaction)

15 Guangdong Development Bank: Free card application, no annual fees, no small account management Fees, whether in the same city or across different places, the first three withdrawals per month are free, and the subsequent withdrawals are 3 yuan/transaction

16 Bohai Bank: In principle, it is 20 yuan to apply for a card, and the annual fee is 20 yuan/year. If the amount is less than 5,000 yuan, it will be charged The account management fee is 5 yuan/month, but in fact it is free to apply for a card, no annual fee, no small account management fee, and withdrawals from banks in the same city are completely free. This is a newly established bank with a national license (general *** nationwide). 18), currently only has business outlets in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan and Chengdu.

17 Hengfeng Bank: Free card application, no annual fees, no small account management fees, nationwide inter-bank withdrawals of 2 yuan/transaction, currently the bank only operates in Yantai, Qingdao, Jinan, Hangzhou, There are business outlets in Nanjing.

18 Zheshang Bank: 10 yuan to apply for a card, annual fee 10 yuan/year, no small account management fees, the first 3 withdrawals in the same city and across banks are free of charge, and 2 yuan/transaction thereafter. Currently, this bank We only have business outlets in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi'an and Tianjin.

19 Bank of Nanjing: All fees are waived, and no fees are charged for withdrawing money from any ATM machine in China.

The above is the specific situation of the 18 banks with national licenses.

Among the online banks, Industrial and Commercial Bank of China, China Merchants Bank, China Minsheng Bank and Shanghai Pudong Development Bank have the most comprehensive functions. Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, Hua Xia, Industrial Bank, Shenzhen Development Bank, and Everbright can also fully meet the needs. Guangfa's functions are weaker, as are the three small banks. The Postal Service does not yet have online banking in a complete sense.

In addition, the cards of local banks, city commercial banks, urban credit unions (definitely not available in big cities), rural commercial banks (suburbs of big cities), and rural credit cooperatives (suburbs of small and medium-sized cities) are also good and charge a fee Generally it is relatively low, you can try it.

Large local city commercial banks:

Bank of Beijing

Bank of Shanghai

Bank of Tianjin

Shenzhen Ping An Bank

Huishang Bank

Langfang Bank