1. The general handling fee for subscribing funds in Bank of Communications is 1%-1.2%. The redemption fee is generally .5% or .6% within one year, and the redemption fee is exempted for two or three years. The subscription fee is generally 1.5%-2.%.

2. Due to the channel preference, large banks generally give less discounts on the subscription fee when they pay through bank cards and online banking, but investors can avoid this higher subscription fee by other means.

the first way is that the fund company online banking provides some other third-party payments in addition to bank card direct payment, and many fund companies support Alipay account funds to buy funds, and the subscription fee is also at least 4%. Investors can transfer funds to Alipay and then buy funds.

The second method is remittance payment, which has been opened by most fund companies. You can purchase funds by remittance according to the requirements of online banking of fund companies. No matter what bank card, you can generally get a minimum discount of 4%, and some fund companies also offer a more favorable discount of 1% or even zero rate.

The third way is to buy through money funds or financial instruments based on it. Most fund companies have their own "treasure" money fund tools. Generally, when these products are transferred to active partial stock funds, the minimum discount is 4%, and special ones can be 1% or even free.