The annual fees charged by banks are basically the same, mostly 10 yuan. Although the account opening fee is different, it is of little value as a "one-time" fee for choosing a bank card.

As long as it is not credit card interest, there is no difference between "no interest".

In addition to account opening fees and annual fees, most banks may face "small account management fees" (no card, password loss, etc.) in normal use. ) refers to the bank setting a capital line. When the capital in the customer's account does not reach this line, it will deduct certain expenses from such accounts on a monthly or quarterly basis. Take ICBC as an example. When the funds in the monthly account are insufficient for 300 yuan, the monthly small account management fee 1 yuan shall be charged to the customer. As for the limit, the fees vary from bank to bank. At present, postal savings charges are relatively low in large banks.

At the same time, in order to attract customers, banks with smaller assets have a certain "price advantage" compared with the four major banks in collecting the above fees.

In addition to the handling fee, I personally think that another consideration should be paid attention to when choosing a bank card: the convenience of use. To put it simply, for example, if you choose the bank with the lowest cost to handle the card, it is likely that the bank with smaller assets will offer preferential handling fees. However, the number of outlets and self-service equipment in the same area is relatively small, so it may take us a long/long time to find the service outlets or equipment of the bank when accessing. The inconvenience and even the cost (the cost of traveling instead of walking, etc.). ) the resulting will have to be weighed in advance.

To sum up, you can get the best when you choose affordable and convenient; When you can't have your cake and eat it, you should weigh the pros and cons, and you might as well spend a little money to buy it conveniently.