Is there a handling fee for inter bank transfer in the palm of your hand?

No, you don't. 1.At present, the banks that provide free inter-bank transfer through mobile banking include Industrial and Commercial Bank of China, China Construction Bank, Bank of China, Agricultural Bank of China, China Merchants Bank, Bank of Communications, etc.

However, if Bank of Communications uses mobile banking to transfer more than 50,000 yuan across the bank, a handling fee will be charged according to the transfer amount.

2.Mobile banking refers to the channel model in which banks use smartphones as carriers to enable customers to use banking services on this terminal. With the advancement of communication and Internet technology, the business functions of mobile banking are constantly updated and improved.

It refers to the use of mobile phones and other mobile devices to realize the connection between customers and banks, and to handle relevant banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of e-banking. Mobile banking is the use of mobile ** for the abbreviation of banking-related business, is a channel for banks to achieve electronic, it is a new way of service combining electronic money and mobile communication business.

3.Advantage: Skip the queue.

The process of paying a fee via mobile banking is very simple: use your mobile phone to access the Internet"Payment page", enter the bill barcode and amount, and click Confirm to complete the bill payment, which is very convenient. Ensure timely transactions.

In the face of the ever-changing foreign exchange market, in the case of not being able to access the Internet in time, first use the mobile phone to inquire about the foreign exchange that needs to be bought and sold, and after understanding, carry out pending order entrustment transactions, and finally, use the entrustment query function in mobile banking to confirm whether the transaction is successful. Round-the-clock service SMS control account. As long as the specified format of SMS is sent, ICBC mobile banking customers can get 24/7 service, freely inquire about accounts, transfer and remit funds to the account instantly, make donations, pay ** fees and mobile phone bills; At the same time, due to the rapid development of e-commerce, ICBC mobile banking also provides customers with real-time payment services for online consumption.

Encryption throughout the process ensures security. Compared with online banking, mobile banking is less susceptible to hacker attacks, more private and more secure.

There is no handling fee. There are several ways to transfer money on mobile banking, and most bank cards do not require handling fees through mobile banking. At present, most banks do not charge fees for online bank transfers, especially if the amount is relatively small (less than 5000).

According to the comparison of Bank of China, China Construction Bank, Bank of Communications, Agricultural Bank of China and Industrial and Commercial Bank of China. At present, except for the mobile banking transfer fee charged by the Bank of Communications, other banks have no response to the charging mark, especially the Bank of Communications transfer of more than 50,000. Sometimes a handling fee is charged, but there is a cap of 40 yuan.

Therefore, the transfer of mobile banking is determined according to different banks and different transfer amounts. There is a fee for inter-bank transfer at the counter and at an ATM, and the standard of handling fee varies from bank to bank, and the counter transfer of the same bank is different from that of an ATM.

Industry insiders believe that Internet finance is forcing banks to start free services. Internet finance has indeed robbed too many "grassroots" users. For many young people, everyone is accustomed to using Alipay or WeChat to make small-amount transfers, and the large-amount funds of more than 10,000 yuan are mostly used online banking and mobile banking, which is bound to rob some banks' business.

In response to the free measures introduced by commercial banks, bankers believe that this will definitely attract more new customers, and it will also inevitably put pressure on other banks, especially small and medium-sized joint-stock banks and city commercial banks, which may soon follow suit. With the deepening of competition, banks may give users more and more free lunches, and the abolition of online banking fees may be the general trend. With the "upgrading" of online banking business competition, online banking transfer "**" has also continued to become a sharp weapon for inter-bank competition.

At present, there are four main types of transfer items of banks: intra-city peers, intra-city inter-bank, non-local peers, and non-local inter-banks, and their charging standards are different. Individual transfers are free of charge in the same city. At present, the lowest inter-bank transfer fee in the same city is IB, and there are two ways to charge inter-bank fees in different places completely free of charge, one is to collect the specified proportion of the transfer amount, such as ICBC, China Merchants Bank, Bank of Communications, etc.; For example, Bank of China, Industrial Bank, Minsheng and Bank of Beijing, in addition to the handling fee of each transaction, charge a minimum of 5 yuan and a maximum of 200 yuan according to the categories of less than 10,000 yuan (inclusive), 10,000-100,000 yuan (including 10,000-500,000 yuan (including 10,000-1 million yuan (inclusive), and more than 1 million yuan.

At present, Minsheng Bank's non-local inter-bank handling fee is 20% off the People's Bank of China's electronic remittance standard.

There is no handling fee for personal bank and inter-bank transfers.

Personal Internet Banking Transfer Fee:

1.Non-local transfer: Not charged for the time being.

2.Interbank Transfer:

Less than 5,000 yuan (inclusive): free;

Ordinary remittance of more than 5,000 yuan (exclusive): 4% off the counter standard;

Real-time arrival of more than 5,000 yuan (exclusive): 20% increase in the ordinary remittance fee standard, up to 20 yuan.

Counter ATM Transfer Fee:

1.Non-local transfer: Not charged for the time being.

2.Interbank Transfer:

If each transaction is less than 2,000 yuan (including 2,000 yuan), each transaction will be charged 2 yuan;

2000-5000 yuan (including 5000 yuan), 5 yuan per transaction;

5,000-10,000 yuan (including 10,000 yuan), 10 yuan per transaction;

10,000-50,000 yuan (including 50,000 yuan), 15 yuan per transaction;

If it is more than 50,000 yuan, each transaction will be charged according to the remittance amount, and the maximum amount shall not exceed 50 yuan.

Most pocket bank transfers are free of charge and do not charge any fees.

Inter-bank transfers on mobile banking are generally free of charge.

The five major banks of industry and commerce, agriculture, construction, China and communications jointly announced that customers who handle domestic RMB transfers and remittances through mobile banking will be exempted from handling handling domestic RMB transfers and remittances regardless of whether they are in different places or within local inter-bank transfers of less than 5,000 yuan. If it exceeds 5,000 yuan, the charging standard of each bank is different, and the specific standard needs to be subject to the regulations of the local bank.

Extended information] It is very convenient to handle inter-bank transfer business through mobile banking channels. Because the cost of mobile banking is low. Any fee that the bank charges will be justified.

Inter-bank transfer, if transferred through mobile banking, does not need a bank counter to handle the business, and the cost will be much lower. Since the cost is low and you don't pay that much, there is no need to charge or reduce the handling fee.

In addition, most banks do not need to charge fees for inter-bank transfers through mobile banking, which is a regulation issued by the state, and the state encourages domestic RMB transfers handled through mobile banking, and no longer charges handling fees regardless of inter-bank transfers.

Domestic RMB transfers and remittances made by customers through mobile banking are free of handling fees, regardless of whether they are in different places or inter-bank. It should be noted that some banks have quota restrictions on fee-free transfers, for example, Bank of Communications uses mobile banking for inter-bank transfer operations, if it exceeds 50,000 yuan, it will charge a handling fee according to the transfer amount, with a maximum handling fee of 40 yuan per transaction.

The inter-bank transfer method is different from bank to bank, so the handling fee charged is also different. Online banking transfer: If the transfer amount is less than 5,000 yuan, some banks are free of charge.

If the transfer amount is 5,000 to 10,000 yuan, the Industrial and Commercial Bank of China, the Construction Bank of China, and the Agricultural Bank of China will be 5 yuan, the Bank of Communications will be 8 yuan, and the Bank of China will be 10 yuan.

For transfers of 10,000 to 50,000 yuan, the Industrial and Commercial Bank of China, the China Construction Bank, and the Agricultural Bank of China are all RMB, the Bank of Communications is 12 RMB, and the Bank of China is 15 RMB. For transfers of more than 50,000 yuan, the handling fee ratio of ICBC, CCB and Agricultural Bank of China is capped at 25 yuan, the handling fee ratio of Bank of Communications is capped at 40 yuan, and the handling fee ratio of Bank of China is capped at 50 yuan.

No. Although mobile banking does not require handling fees, the general mobile banking has set a transfer limit, some may only be able to transfer out one million a day, and some may be 5 million, so different banks have different requirements, but the respect of mobile banking has brought great convenience to users, not only do not go to the bank for transfers, but also exempt part of the handling fees. In addition, mobile banking can not only be free inter-bank transfer, but also generally buy financial management, buy large certificates of deposit, buy **, living expenses, party dues payment and other functions.

The inter-bank transfer of the mobile banking of the Agricultural Bank of China is free of handling fees. According to the announcement issued by the Agricultural Bank of China on February 25, 2016, from 15:00 on February 25, 2016, the handling fee for RMB transfer and remittance of personal customers will be exempted, which includes the internal transfer of the domestic Agricultural Bank system and the inter-bank transfer business to other domestic banks.

At the same time, the announcement also issued a waiver of handling fees for RMB transfers and remittances of less than 5,000 yuan (including 5,000 yuan) for individual customers through online banking, that is, the internal transfer of the Agricultural Bank of China system and the inter-bank transfer business to other domestic banks can enjoy this preferential treatment.

The handling fee for inter-bank transfer and remittance of the mobile bank of the Agricultural Bank of China is all exempted, and it is worth using without handling fees.

Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications, the five largest banks in China, jointly announced in 2016 that they will waive fees for transfer and remittance services handled by customers through mobile banking, whether inter-bank or non-local. At the same time, the five banks promised to waive the handling fee for domestic RMB online bank transfers and remittances of less than 5,000 yuan to reduce customers' expenses.

There is a certain fee charged across banks, which is not very high.

Handling fees are waived for personal bank transfers and inter-bank transfers. The client version of Mobile Banking of the Bank includes iPhone version, Android version, Windows Phone version (the service will be suspended from 0:00 on March 26, 2017), iPad version and other versions, which fully covers the mainstream mobile operating systems in the market, and provides rich value-added services on the basis of mobile banking and mobile payment services. The client version of Pocket Banking has the characteristics of convenient, open, living and intelligent mobile finance, and fully meets the needs of customers for convenient, free, fast and trendy handheld life. Handling fees are waived for personal bank transfers and inter-bank transfers.

Not charged at the moment.

1. Counter and ATM inter-bank transfers (regardless of local and non-local): each transaction is less than 10,000 yuan (including 10,000 yuan), and each transaction is charged 2 yuan.

10,000 yuan (including 10,000 yuan), each charge is 5 yuan.

10,000-10,000 yuan (including 10,000 yuan), 10 yuan per transaction.

10,000-50,000 yuan (including 50,000 yuan), each fee is 15 yuan.

If it is more than 50,000 yuan, each transaction will be charged according to the amount of remittance, and the maximum amount shall not exceed 50 yuan.

2. Personal online banking is free of charge for less than 5,000 yuan (inclusive); Transactions of more than 5,000 yuan shall be implemented in accordance with the above charging standards.

3. Pocket banking does not charge for the time being.

For personal customers, there is no charge for non-local transfer and remittance through any channel.

Personal debit cards, quasi-credit cards, settlement passbooks, and non-local cash deposit and withdrawal transaction fees are not charged by the Bank for the time being.

For new debit cards issued between November 1, 2009 and December 26, 2016, if the ATM transfer function is used, the cardholder must bring his or her original valid ID card and original bank card to any branch of the Agricultural Bank of China to sign a contract. or sign a contract through any self-service equipment (including cash self-service equipment and non-cash self-service equipment) of our bank. You can set a daily transfer limit of up to 50,000.

Personal Internet Banking Transfer and Remittance Limit:

Generation K treasure customers (single daily accumulation) 500,000 1 million (including the failed limit, the limit cannot be raised);

The second-generation K-treasure customers (including general K-Bao) (single daily cumulative) 1 million 5 million (the daily cumulative limit of a single transaction can be increased at the counter.) Adjust the scope of the limit, any ABC outlets across the country, you can go to the counter to increase the limit);

k order customers (a single daily accumulation) 500,000 500,000 (the limit cannot be increased).

At present, the major banks use mobile banking transfer is free, there is no inter-bank and non-local distinction, and real-time arrival, major banks have also been encouraging users to transfer money through mobile banking, but there will be a limit on the amount of transfer through mobile banking, and the amount limit stipulated by each bank is different.