Handling fee and arrival time of cross-bank transfer of China Merchants Bank

According to the announcement of China Merchants Bank, there are two ways of cross-bank transfer: ordinary and fast, and the arrival time is different. With the rapid development of mobile banking and online banking, in order to encourage people to use mobile transactions more, there are not only various transfer methods, but also many inter-bank transfers are free of charge. The inter-bank transfer fee of China Merchants Bank is similar to that of other banks, as follows:

Inter-bank transfer fee and arrival time of China Merchants Bank (online banking)

Personal online banking of China Merchants Bank is used for transfer and remittance. Then the following arrival time and charging standards are adopted:

1) Transfer from peers in the same city

If the transfer is made to individual (including: one-card account, passbook account and credit card account of China Merchants Bank in the same city, as long as the system is not upgraded or abnormal, it is normal to receive the account immediately without handling fee.

2) Inter-bank transfer in the same city

Normal mode: under normal circumstances, funds can be received within 2 working days, free of handling fees;

fast mode: under normal circumstances, funds can be received within half an hour, free of charge;

Real-time receipt mode: under normal circumstances, funds can be received in real time, and there is no handling fee.

3) peer transfer in different places: under normal circumstances, the funds will arrive in real time, free of charge.

4) Inter-bank transfer in different places

Normal mode: under normal circumstances, funds can be received within 5 working days, free of handling fees;

fast mode: under normal circumstances, funds can be received within half an hour, free of charge;

Real-time receipt mode: under normal circumstances, funds can be received in real time, and there is no handling fee.

Reminder: the handling fee for inter-bank transfer of China Merchants Bank is the same according to different transfer modes, and it is not charged for the time being, but the personal online banking version is different. The professional version of MG6..3. and above can choose the fast payment mode, and the professional version of MG6..3.7 and above can choose the real-time payment mode.

From July 28th, 217, a number of banks jointly initiated the "Commercial Bank Network Finance Alliance" to be formally established. The mutual recognition of accounts among these banks is free, and the inter-bank transfer through electronic channels such as mobile banking and personal online banking is free of handling fees.

including the following banks: citic, China merchants, Shanghai Pudong development bank, China everbright, Huaxia, Minsheng, guangfa, xingye, ping an, Hengfeng, zheshang and Bohai 12 national joint-stock commercial banks.

how long does it take for the inter-bank transfer of China Merchants Bank to reach the account

If China Merchants Bank transfers money to other banks, the mode and time for the transfer and remittance to reach the account through online banking/mobile banking channels are as follows:

Generally, it is proposed within 1-2 working days, and the actual arrival time is subject to the other party's account entry.

fast: our bank puts forward in real time that the actual arrival time depends on the processing situation of the other bank system, usually 5 minutes to 2 hours.

real-time: real-time receipt.

next day's deposit: the deposit will be made from our bank at : the next day after the customer applies for transfer, and the funds will be received within 1-2 working days.

Tips:

In case of UnionPay inter-bank ATM transfer (debit card or credit card transfer to other banks through our ATM), the account will be received within 24.5 hours

(response time: December 29th, 221. Please refer to the latest business changes announced by China Merchants Bank in official website. )

Tips: If you have any questions in the follow-up, please feel free to contact China Merchants Bank APP@ your intimate customer service ~

How long will it take for China Merchants Bank's cross-bank mobile phone transfer to arrive

China Merchants Bank's mobile phone bank transfer depends on the transfer method.

1. How long will it take for China Merchants Bank to receive the inter-bank mobile phone transfer?

if it is an inter-bank transfer, it should be made within 1-2 working days (the arrival time will be postponed in case of weekends and holidays), and the arrival time depends on the system processing of the other bank. If it is from China Merchants Bank to China Merchants Bank, the transfer amount is within 5, (inclusive), and the transfer amount will be received in real time; The transfer amount is more than 5,, and it is expected to arrive within 2 hours.

when using China merchants bank's mobile banking to transfer money, it is necessary to pay attention to the fact that the information such as account number, account name and bank of deposit are completely matched with the system, so that it can be recorded in the account within the specified time; if they are not completely matched, the transfer amount will be returned within one working day.

2. Inter-bank transfer

Inter-bank transfer refers to the transfer between different banks. For example, if we use the card of China Construction Bank and transfer money to the card of Agricultural Bank on the ATM of China Construction Bank, it belongs to inter-bank transfer. No matter whether the cardholders of the two cards are the same person or not, the transfer between different banks is inter-bank. According to the relevant regulations of banks, inter-bank transfer generally requires a fee, but the fee is different for different transfer methods.

For example, when transferring money to the bank counter, the inter-bank transfer fees for CCB, ICBC, Bank of Communications and Agricultural Bank of China are 2 yuan, 5 yuan,,, and, 5-5 respectively, and the inter-bank transfer fees for more than 5, yuan will be capped at .3%.

However, the inter-bank transfer fee for ATM machines is a little different. For example, if the transfer amount is more than 1, yuan, the fee for less than 5, yuan is 15 yuan, Bank of Communications is 12 yuan, and Bank of China is 18 yuan. Inter-bank transfer through online banking will be more cost-effective, because a single transfer amount below 5, yuan can be free in ICBC, China Construction Bank, Bank of Communications, Agricultural Bank of China and Bank of China. If it exceeds 5, yuan and falls below 1, yuan, the charge will be 5 yuan, Bank of Communications will be 8 yuan, and Bank of China will be more expensive. If the transfer amount is above 5, yuan, it will be capped in 25 yuan.

III. China Merchants Bank

Established in Shekou, Shenzhen in 1987, China Merchants Bank is the first joint-stock commercial bank wholly owned by an enterprise legal person in China, and the first pilot bank to promote banking reform from outside the system.

is there a handling fee for cross-bank transfer of China Merchants Bank's mobile banking?

No.

if the debit card transfer of China merchants bank is from the same trade, no matter whether it is local or off-site, no matter through what channels, including counter, ATM, online banking and mobile banking, it is all free.

in case of inter-bank transfer, both online banking and mobile banking are free, whether local or off-site.

if it is an inter-bank transfer, a certain handling fee is charged for the transfer through ATM, which is the only way to distinguish between different places and the same city in all transfers. The standards are as follows:

Extended information:

Time for transfer to account

The time for mobile banking to make inter-bank transfers is determined by the personal accounting system of the receiving bank. If it is fast, it can be received in real time. If it is slow, it usually takes 1 to arrive.

1. In case of transfer in the same city, use the inter-bank transfer function of China Merchants Bank to charge .2% of the remittance amount, with a minimum transfer fee of RMB 2 per transaction and a maximum transfer fee of RMB 5 per transaction.

2. If the function of transferring money from other places is used, the handling fee will be charged at 1% of the remittance amount, and the minimum handling fee for each transfer is RMB 1, and the maximum handling fee will not exceed RMB in 25 yuan.

3. If online banking is used to transfer money, it can also be divided into two different transfer methods: inter-bank transfer in the same city and inter-bank transfer in different places to collect fees. If it is inter-bank transfer in the same city, a fee of RMB 2 is charged for each transfer. If it is inter-bank transfer in different places, the transfer fee rate is 1% of the transfer amount, with a minimum of RMB 1 and a maximum of RMB 5.

Reference: Baidu Encyclopedia-China Merchants Bank

How long does it take to transfer from China Merchants Bank's credit card to China Construction Bank's bank card through online banking?

If you choose real-time arrival, when filling in the branch of the other bank, you need to enter it by hand quickly, and you need to arrive at the account during bank working hours. How long does it usually take for online bank transfer to arrive in the account? There are different regulations for online banking transfer in major banks, but it can generally be divided into three situations: 1. Real-time arrival, bank transfer immediately after accepting the transfer request, and real-time arrival. 2. Generally, the transfer will be delayed for 2 hours, and the account will be received after 2 hours. 3. When the account arrives the next day, the banking system will delay the transfer until the next day after accepting the transfer request. Answer: If you choose Real-time Receipt, and when you fill in the branch of the other bank, you need to enter it by hand quickly, and you need to receive it during bank working hours. Answer that the other party has transferred the money to me, but it hasn't arrived yet. It said that it won't arrive until the bank settles, and it hasn't arrived for two days. What's the problem? Ask why the other party said to wait for the bank settlement? Ask the other party what day of the week it sent it to you. If the contact number is missing when he chooses a bank, the bank employee needs to fill in the contact number on the working day of the bank before he can transfer it to answer the message that the mobile phone didn't come. Does it take 2 to 3 working days to transfer the question the day before yesterday? You can wait. If you don't receive it within 48 hours, 8% of the other party didn't make a payment. Answer: Wait until 9: am tomorrow to check the bank account. Answer: It won't take the bank so long. Ask questions and wait and see. Generally, the bank will finish it within 48 hours, otherwise the money will be returned to the original account. How many working days will the answer arrive at the latest? Asking questions Because some funds require manual authorization by bank personnel, the answers within 2 working days

are generally received in real time. There are two kinds of online bank transfer, namely, intra-bank transfer and inter-bank transfer: first, intra-bank transfer: after the successful submission, the other party can receive the money and receive it immediately without time difference; Second, inter-bank transfer: inter-bank transfer is divided into real-time inter-bank transfer and ordinary inter-bank transfer: 1. Real-time transfer: the other party can receive the money after the submission is successful, and the account will be received immediately without time difference; 2. Ordinary transfer: after submission, the payee will not receive the money immediately, but will generally receive it within 2-3 working days.

Extended information: Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management, so that customers can safely and conveniently manage current and time deposits, checks and financial management without leaving home.

reference materials: online banking

The arrival time of online bank transfer is as follows: 1. The arrival time of online peer transfer is within 1 working day. 2. Inter-bank transfer is divided into real-time account arrival and ordinary account arrival, in which the real-time account arrival time is basically the same day, while the ordinary account arrival time is 2-3 working days. : ICBC inter-bank transfer arrival time: real-time arrival in the system, more than 5W the next day. Time of inter-bank transfer of China Merchants Bank: the funds in the same city in the system will be received in real time, and the funds in different places can be received within 2 working days under normal circumstances. Inter-bank and city accounts can be received within 2 working days. Under normal circumstances, funds can be received within 5 working days in different places. Time for the inter-bank transfer of CCB to arrive at the account: arrive at the account in real time from 9: to 16: 3 in the system. Cross-bank 1-3 working days. Time for inter-bank transfer of Agricultural Bank of China: large-value system (above 5, yuan) will arrive immediately during working hours (8.3-16.3 working days), and during non-working hours, it will be transferred to small-value system (below 5, yuan) for centralized transfer by the clearing center of China People's Bank, generally not exceeding 2 hours. Time for inter-bank transfer of China Bank to arrive at the account: it will arrive at the account in real time from 9: to 17: in the system. Cross-bank 1-3 working days. Bank of Communications inter-bank transfer arrival time: real-time arrival in the system, 24 working days across the system. Time for Minsheng Bank's inter-bank transfer to account: real-time in the system. Same-city ticket payment: it runs from Monday to Friday, and it will be received within 1-2 working days. Remittance from different places: it runs from Monday to Friday, and it arrives in 3 to 5 working days. Real-time payment of large amount: it runs from 8: 3 am to 17: pm on weekdays and arrives at the other party's head office in half an hour. Real-time payment of small amount: it runs 7X24 hours a day, and reaches the other party's head office within 2 hours. Time for inter-bank transfer of CITIC Bank to the account: 1-2 working days for all. Time for inter-bank transfer of postal bank to account: 1-2 working days. Time for the inter-bank transfer of Shanghai Pudong Development Bank to arrive at the account: real-time arrival in the system, 24 working days across the system.

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how long does it usually take for a bank transfer to arrive-:if the above requirements are met, the requirement that a self-service teller machine will arrive 24 hours after the transfer. At the same time, in order to reduce the transfer cost of residents, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clearly states that it generally takes for a bank to access cash, transfer and other services in different places within the bank to receive ...

How long does it usually take for an online bank transfer to arrive? -:The arrival time of online bank transfer is as follows: 1. The arrival time of online peer transfer in the same city is within 1 working day. 2. Inter-bank transfer is divided into real-time arrival and ordinary arrival, in which the real-time arrival time is basically the same day, while the ordinary arrival time is 2-3 working days ...

How long does it take for general online bank transfer? -:Bank transfer is generally completed within 24 hours. Bank card cross-bank transfer can be transferred in the following ways: 1. Alipay transfer; 2. Online banking transfer; 3. Bank counter transfer, etc. Online bank transfer process: 1. Log in to online banking to select transfer and cross-bank transfer; 2. Select the transfer bank and regional branch, and enter the account name, account number, amount and other information; 3. If you have Alipay, you can transfer money through Alipay; 4. If none of the above conditions are met, you have to go to the counter.

How long will it take to get the online inter-bank transfer? -:Generally, there are two types of inter-bank transfer through online banking, one is to arrive at the account immediately, and the other is to arrive at the account within 24 hours. Generally, the account will arrive at the account within 24 hours due to bank reasons. It can also arrive at the account normally on Saturday and Sunday.

How long does it take for online bank transfer?-:It depends on when you transfer. If it is from 9: am to 5: pm, it will basically arrive at the account in real time. You can see the balance increase in the account of China Merchants Bank in a few minutes. You can do it before 5 pm at the latest. If you transfer money after 5 pm, it will not appear in the account of China Merchants Bank until the next day. Within 24 hours at the latest.

How long does it take to transfer money through online banking? -:1. Peer-to-peer online banking transfers, which arrive in real time, and the longest time is no more than two hours; 2. Inter-bank transfer on the Internet is directly connected with the large and small payment systems of the People's Bank of China. There are the following different situations: (1) There is no transaction time limit when the transfer amount is less than 2, yuan (including 2, yuan), and the money and remittance arrive at the other bank on the same day or the next day; (2) The remittance amount of more than 2, yuan can only be traded between 9: and 17: on normal working days, and the money can reach the other bank immediately. The specific entry time of inter-bank transfer depends on the processing progress of the receiving bank. The large-amount transfer function is not open on legal holidays and non-working hours.

How long does it take to transfer through online banking? Westbank >: This depends on whether it is a peer or an inter-bank. Generally, all banks in the same industry process the accounts in real time, and the inter-bank depends on the submission time of the payer's bank settlement and the posting time of the receiving bank. If both banks can process the accounts in a systematic way under certain conditions (such as transaction amount and working days), they will generally receive the accounts within five minutes to half an hour. If the accounts are submitted and posted manually, it may take one or two working days.