China Merchants Bank is not the lowest. I buy funds at China Merchants Bank. It used to be 1.5% or 1.2%. Later, after I gave my advice to my customers, it changed a little now (I don't know if it was a coincidence). China Merchants Bank buys funds online, and the subscription rate of 20 funds is 50% off. Preferential rate: customers who purchase designated open-end funds through our online banking enjoy preferential subscription rate: (1) If the original subscription rate is higher than 0.6%, the preferential rate is 50% off, but the preferential rate is not lower than 0.6%; (2) If the original subscription rate is not higher than 0.6%, the original subscription rate shall prevail.

Bank of Communications: For the promotional activities of the fixed investment business of Bank of Communications funds, the preferential measures for the fixed investment rate of related funds are as follows: 1,/10 2007 From 2007 to March 2008, the subscription rate of related front-end funds will be 20% discount.

2. In order to encourage long-term investment, from April 2008, investors who handle the fixed investment business of the fund through delivery will enjoy a 20% discount on the subscription rate of the fixed investment of the front-end fee of the subscribed fund starting from the deduction of 12. Please refer to the fund contract, the latest prospectus and related announcements of the relevant funds for the specific subscription rates of each fund.

Industrial Bank is generally 0.6%, but the number of funds is a little less. I think China Merchants Bank has the largest number of funds (there are hundreds) and everything. Moreover, the operation of online banking is very convenient, and compared with other banks (I have never operated CCB), it is not a grade at all. This is also its advantage. There are only about 32 others, such as Industrial and Commercial Bank of China. China Bank's online banking sucks, so I don't know how much it is, and I don't care.

In fund companies, some rates are also relatively low, but the minimum amount that may need to be invested is higher than that of banks.

I suggest you choose a fund first, then go to the fund website to see the rate, and then go to the domestic bank website to make a comparison. At the same time, we should consider the convenience of deposit and withdrawal, and you will know where to buy the fund.