Can I transfer money with the Agricultural Bank of China credit card? Only this amount is allowed

For a long time, many cardholders have been struggling with the issue of whether credit cards can be used to transfer funds. Today, I want to clearly tell you that Agricultural Bank of China’s credit cards can be used for transfers. Not only You can transfer it to your own card from another bank, or you can transfer it to another bank's card. Let's take a look at the operation process, arrival time, and related matters.

1. How to transfer funds with Agricultural Bank of China credit card?

Since May 10, 2019, the Agricultural Bank of China credit card has opened the transfer function, but it needs to be operated at an ATM machine. Mobile phone transfers and online banking transfers are not supported.

Friends who want to transfer money can insert their credit card into the Agricultural Bank of China ATM machine, click the transfer button, enter the payee’s bank card account, name, transfer amount, and enter the transaction password to complete the transfer, steps and debit. Card ATM transfers are pretty much the same.

However, it should be noted that the Agricultural Bank of China credit card only allows the transfer of excess credit limit, that is, the amount exceeding the credit limit, and does not support transfer of overdraft limit. The maximum transfer limit in a single day is 50,000 yuan. The transfer will arrive within 24 hours after the transfer is successful, and the transaction can be canceled at any time before the funds arrive.

2. Agricultural Bank of China credit card transfer fee

1. Credit card ATM transfer to another person: the over-deposit transfer fee is less than 2,000 yuan, and each transaction is charged 2 yuan; 2,000 to 5,000 yuan, Each transaction is charged 5 yuan; each transaction from 5,000 to 10,000 yuan is charged 10 yuan; each transaction from 10,000 to 50,000 yuan is charged 15 yuan; above 50,000 yuan, the fee is based on the transfer amount, with a maximum of 50 yuan.

2. Transfer a credit card to another bank’s card at an ATM: Whether you transfer your card to another bank’s card, or transfer it to another bank’s card, the charges will be the same if you transfer it to another person’s bank card.

The above is the relevant introduction to "Can I transfer funds with the Agricultural Bank of China credit card?" I hope it will be helpful to everyone. In short, the Agricultural Bank of China credit card can be used to transfer funds, but it is limited to overpayment ATM machine transfers. Whether it is transferred to another person's own bank card or another bank's card, the handling fee will be charged according to the same standards.

Can the Agricultural Bank of China credit card be transferred to one’s own Agricultural Bank of China card?

The Agricultural Bank of China’s credit card can be transferred to one’s own Agricultural Bank of China card. The transfer can be done through online banking, ATM machines, or at the counter. .

1. Online banking transfer

1. Log in to the bank’s official website through the browser (browser computer: macbookpromos14 to open Google version 92.0.4515.131) and click online banking to log in;

2. Fill in the correct user name and password to complete the login;

3. Select Transfer - Peer/Inter-bank Transfer, fill in the payee information correctly, click Submit and enter the mobile phone verification code and dynamic password correctly. Complete the operation.

2. ATM machine transfer

1. Insert the bank card into the ATM machine and enter the password to log in;

2. Select transfer and enter the payee’s account number , click OK;

3. Confirm the payee account number, enter the transfer amount, and click OK to complete.

3. Transfer over the counter

Bring your ID card and bank card to the counter to transfer money.

Extended reading

Different methods of credit card transfer have different handling fees: using overpayment transfer, the fee is between 0.5-3; credit card cash advance transfer, A handling fee of 1% and a daily interest of 0.5% are charged; for credit card cash transfers in installments, the rate is between 0.75-0.95.

Credit cards are used for overdraft consumption. They have their own limit, but generally they cannot be taken out directly. The bank will charge a cash withdrawal fee for taking them out. Some cardholders may encounter situations in their daily lives when they urgently need to transfer money to others. At this time, if there is not enough money in their savings card, they may wonder whether they can use a credit card to transfer money.

There are different ways to transfer funds using credit cards, and the handling fees charged are also different:

1. Use overpayment to transfer. The overpayment is the money you save in your credit card. This money A handling fee will be charged when transferring out, and the fee is between 0.5 and 3;

2. Credit card advance cash transfer, the cardholder can borrow his own limit and transfer it to the savings card. The maximum amount of this kind of transfer is 50% of the credit card limit, and a handling fee of 1% and a daily interest of 0.5% will be charged.

3. Credit card cash installment transfer, the cardholder can apply for cash installment from the bank. After successful application, the credit card limit can be converted into cash, and then transferred to the designated savings card. Installment fees will be charged. The rate is between 0.75-0.95, and no interest is charged.

Can the Agricultural Bank of China credit card be transferred?

The Agricultural Bank of China account can receive transfers from Ping An Bank. Agricultural Bank of China has joined the super online banking system. When other banks transfer funds to Agricultural Bank of China, select Agricultural Bank of China, and the Agricultural Bank of China system can process the transfer into the account based on the payee information.

Can Agricultural Bank of China’s credit card be transferred to other banks’ debit cards?

No.

Currently, Agricultural Bank of China credit cards can only transfer funds to Agricultural Bank of China savings cards with the same name.

If you need to transfer money to other banks, you can use the Agricultural Bank of China savings card.

Inter-bank transfers can be made through Agricultural Bank of China’s personal online banking and mobile banking.

Inter-bank transfer fees are as follows:

1. The current inter-bank transfer fee at the Agricultural Bank of China counter:

① Each transaction is less than 2,000 yuan (including 2,000 yuan), Each transaction charges 2 yuan;

②02,000-05,000 yuan (including 5,000 yuan), each transaction charges 5 yuan;

③05,000-10,000 yuan ( (including 10,000 yuan), each transaction is charged 10 yuan;

④10,000-50,000 yuan (including 50,000 yuan), each transaction is charged 15 yuan;

⑤More than 50,000 yuan, Each transaction is charged at 0.03 of the remittance amount, up to a maximum of 50 yuan.

2. Personal online banking inter-bank transfers and remittances of less than 5,000 yuan (including 5,000 yuan) are free of charge. For transfers above 5,000 yuan (not included), the handling fee will be charged at a 40% discount according to the standard at the counter. Please refer to:

Transfers below 5,000 yuan (including 5,000 yuan) are free of charge

5000-10,000 (including 1 Ten thousand yuan), each transaction is charged 4 yuan;

10,000-50,000 (including 50,000 yuan), each transaction is charged 6 yuan;

Over 50,000 yuan, each transaction is charged according to the remittance amount 0.012 is charged, and the maximum is not more than 20 yuan.

The calculation base for handling fees is the actual transfer amount, not the calculation base after deducting 5,000 yuan.

3. Currently, there is no handling fee for inter-bank transfers through the Agricultural Bank of China’s mobile banking.

Can Agricultural Bank of China’s credit card transfer funds

The overdraft portion of the Agricultural Bank of China credit card transfer occupies the cash advance limit, and the cash advance limit is 50% of the customer-level credit limit; overdraft payment All can be used for transfers. The card transfer limit is controlled by the customer-level cash withdrawal (transfer) limit and the account-level available limit, whichever is lower. The transfer limit of the Juhuitong credit card upgrade product is based on the amount displayed in the system checked by the card (controlled by the account-level cash withdrawal limit, and the overpayment and overdraft portion are combined). Credit card transfer interest: Transfers using advance cash limit do not enjoy the interest-free repayment period. Interest will be calculated on the overdraft amount from the bank accounting date, and compound interest will be calculated on a monthly basis (Juhuitong credit card upgrade products will calculate the interest on a monthly basis. ), the interest rate standards and the upper and lower limits of overdraft interest rates are subject to the same rules as the cash advance withdrawal business. Credit card transfer transaction limit: For transfers through self-service channels such as ATMs, the daily accumulation of each card shall not exceed RMB 50,000 (including overpayments and overdraft amounts, system-level limit control). For details, please call our credit card customer service hotline.

Can the Agricultural Bank of China credit card be used to transfer funds at ATMs?

Credit cards can be used to transfer funds.

The credit card transfer function and the overdraft transfer function of the Juhuitong credit card upgrade product were put into production on May 25, 2017.

Credit cards (personal cards) allow cardholders to transfer funds in the card to their own bank debit card. Both excess payment and cash advance funds can be transferred out. For specific business and regulations, please call our credit card center for consultation: 4006695599, 021-61195599.

This is the end of the introduction about whether the Agricultural Bank of China credit card can be transferred and whether the Agricultural Bank of China card can be transferred directly to other banks’ credit cards. Have you found the information you need?