At present, domestic banks in 2018, which banks can achieve free cash withdrawals at overseas UnionP

1. Ping An Bank Platinum Card.

Preferential tariffs: ATM domestic city, inter-bank withdrawal, ATM overseas inquiry, withdrawal, online banking domestic city, inter-bank transfer free, etc.

2. Guangfa Bank Guangfa VIP debit card.

Free handling fees for global ATM cash withdrawals, nearly 40 regular handling fee reductions, and annual fee discounts for high-end credit cards.

3. Citibank debit card.

Citibank debit cards provide you with the fastest global payment experience, whether it is cash pickup, account inquiry, shopping or overseas study and overseas card swiping, Citibank debit cards provide you with the fastest global payment experience, in addition to exclusive privileges.

4. Bank of China Great Wall Global Travel Card.

Log in to online banking. The Great Wall Global Travel Card does not charge annual fees and production costs; When the card is used for consumption or cash withdrawal in any overseas country or region, no currency conversion fee will be charged; Deposits, withdrawals and transfers at domestic BOC outlets (including intra-city and non-local) are free of charge, and overseas ATM inquiries and cash withdrawals are free of charge (excluding Visa acquiring member banks).

Hangzhou Union Bank (Rural Cooperative Credit Cooperative) debit card, debit card, and any ATM withdrawal fee around the world are exempt.

Ping An Platinum Card Yes.

A GF VIP debit card with the UnionPay logo is acceptable, and a private bank card from the Bank of China is also acceptable.

Huaxia debit card foreign free withdrawal once a day, if it is a Huaxia debit card abroad 10 times a day.

Legal analysis: Overseas cash withdrawal means that Chinese citizens with domestic credit cards can withdraw foreign banknotes at any foreign bank branch or ATM machine after leaving the country, and the exchange rate is calculated according to the exchange rate of the day. Therefore, there is no need to exchange foreign banknotes in advance when you go abroad, and you can withdraw cash directly when you need it.

Legal basis: Notice of the State Administration of Foreign Exchange of the People's Republic of China on Regulating Large-Value Cash Withdrawal Transactions of Bank Cards Abroad

1. If an individual withdraws cash overseas with a domestic bank card, the total amount of bank cards (including supplementary cards) in his or her name shall not exceed the equivalent of RMB 100,000 per natural year. If the annual quota is exceeded, the withdrawal of cash abroad with a domestic bank card will be suspended in the current year and the following year.

Individuals shall not circumvent or assist in circumventing the management of overseas cash withdrawals by borrowing other people's bank cards or lending their own bank cards.

2. The foreign exchange bureau shall send a list of individuals who are suspended from withdrawing cash abroad with domestic bank cards to the card-issuing financial institutions through the foreign exchange management system for overseas transactions of bank cards, and the card-issuing financial institutions shall suspend the use of their bank cards by individuals listed in the list to withdraw cash overseas no later than 17:00 Beijing time on the same day.

Card-issuing financial institutions should set up their own business systems and strictly implement the provisions of the preceding paragraph. If the system transformation is involved, it should be completed by April 1, 2018 at the latest.

3. If an individual is included in the list of suspended overseas cash withdrawals with domestic bank cards, he or she may inquire about the details of overseas cash withdrawals with the branches of the foreign exchange bureau with his/her valid identity documents; Where others are entrusted to conduct inquiries, the valid identity documents of the client and the trustee, as well as the principal's power of attorney, shall be provided.

4. For individuals holding domestic bank cards to withdraw cash overseas, the foreign currency card shall be adjusted from the equivalent of US$1,000 per card per day to the equivalent of RMB 10,000, which shall be realized by the card-issuing financial institution in its own business system; The management of RMB cards shall not exceed the equivalent of RMB 10,000 per card per day, which shall be implemented by the domestic RMB card clearing organization in its own business system.

5. Card-issuing financial institutions should improve customer management, strengthen policy publicity, adopt effective methods to remind cardholders who have overseas cash withdrawal transactions to pay attention to policy changes, guide individuals to reduce the use of large amounts of cash overseas, and properly keep the personal information of suspending cash withdrawals abroad with domestic bank cards.

When many friends with tremors go on business trips or travel abroad, they often encounter the situation that they do not have enough money and need to withdraw cash, so they can only use UnionPay debit cards to withdraw cash. However, many domestic banks charge a handling fee for cash withdrawals from UnionPay debit cards, and cash withdrawals abroad are naturally not exempt from this fee. However, there are also some banks where cash withdrawals are free.

Here is a list of the banks that are free of handling fees for overseas cash withdrawals of UnionPay debit cards in 2018, let's take a look at them together.

UnionPay debit card overseas cash withdrawal fee free of charge

1. Joint-stock commercial banks:

Hengfeng Bank, Citibank, Industrial Bank (UnionPay Black Gold Card, UnionPay Card Platinum Card), Ping An Bank (Platinum Card, Diamond Card, Black Diamond Card), Standard Chartered Bank (Platinum Debit Card).

2. Local commercial banks:

Guangxi Beibu Gulf Bank, Bank of Liuzhou, Guangxi Rural Credit Cooperative, Bank of Guizhou, Guangdong Nanyue Bank, Qinhuangdao Bank, Tangshan Commercial Bank, Jining Bank, Bank of Dezhou, Jiangsu Changjiang Commercial Bank, Zhejiang Chouzhou Commercial Bank, Hangzhou Union Bank, Zhejiang Rural Credit Bank, Bank of Ningxia, Bank of Gansu, Chongqing Three Gorges Bank, Panzhihua City Commercial Bank, Bank of Nanjing (non-Nandong Xujing Branch UnionPay Card), Bank of Chengdu (Gold Card), Bank of Dalian (UnionPay Card).

From the above introduction, it is not difficult to see that most of the local commercial banks are free of charge for overseas cash withdrawals of UnionPay cards, in addition, only some joint-stock commercial banks also have such discounts, but some are only available for high-end cards, such as Industrial Bank, Ping An Bank and Standard Chartered Bank. It is recommended to understand what kind of bank card you belong to before withdrawing cash, and don't make a mistake if you have multiple bank cards.

The following bank ATM inter-bank withdrawal is free of charge:

Huaxia Bank is free of charge for the first three transactions per day, Industrial Bank is free for the first three transactions per month, Guangfa Bank is free for the first three transactions per month, China CITIC Bank Standard Card is free for the first two transactions per month, and Standard Chartered Bank is free for a single transaction of more than 2,000 (inclusive) in the same city.

Longjiang Bank, Bank of Ningxia, Bank of Hubei, Bank of Handan, Bank of Liuzhou, Bank of Jiujiang, and Zhejiang Rural Credit Cooperatives are currently free of charge for inter-bank withdrawals.

In addition, VIP customers of many banks withdraw money free of charge, such as ICBC wealth management gold card.

If it is a China Merchants Bank UnionPay savings card, it can be used on overseas machines with UnionPay logos, and the following limits are applied to cash withdrawals at overseas (including Hong Kong, Macao and Taiwan) ATMs

1) Cumulative cash withdrawal of a single card in a single day equivalent to 10,000 RMB;

2) The cumulative withdrawal limit of all domestic bank cards (debit cards, credit cards and supplementary cards of all banks share this limit) in each calendar year is equivalent to RMB 100,000.

Withdrawals will be charged in RMB according to the transaction amount, with a minimum of RMB 10 for a single transaction (no discount), and when withdrawing money from some ATMs in some countries (such as Japan, the United States, etc.), in addition to this fee, the local acceptance agency may charge the cardholder an additional handling fee.

With the continuous development of social economy, I believe that many friends should have heard such news in real life, that is, the news about the six major state-owned banks to withdraw cash for free in China should be very shocking, because no one would have thought that the six major state-owned banks would adopt such a policy, and this policy makes people feel very surprised, because to a large extent, it will help many customers to be more likely to waive some handling fees, and more likely to help many customers to be more convenient in life. So this policy is very good and very commendable.

According to the relevant information on the Internet, the six major state-owned banks are now free of charge to withdraw cash within the country, which does make people feel very good, because in the case of such a heavy rainstorm in Henan, the six major banks can make such a behavior is worthy of praise, at least to a certain extent, to help people when withdrawing money, saving a fee, but in fact, we must also understand a problem, that is, the bank's off-the-counter rate is getting higher and higher over the years. As a result, banks have to make certain changes to many things.

In addition, many of the six major state-owned banks are currently carrying out online business, that is, through related financial services to help themselves improve the handling fee of Xiangying, so now fewer and fewer people will use cash to trade, which leads to the fact that even if the six major state-owned banks have implemented such a policy, in fact, for many people, it is not very preferential, so we must understand this problem, that is, the policy implemented by the six major state-owned banks, to a certain extent, There are still some discounts, but the actual effect is not satisfactory to many people.

But for us, we should at least be content with this situation, because it at least makes us look very good, and it is convenient for many people to reduce this fee when they withdraw money from each bank.

These policies are very convenient and reduce the hassle of many people going back and forth, which is very convenient.

Support, in the past, when my mother gave me living expenses, I felt sorry for the handling fee, but now I can transfer it casually.

In my opinion, this policy is very good, and it is also a very practical policy that brings benefits to many people. It can also make it more convenient and faster for banks to withdraw cash within the bank.