How to deduct the UnionPay card when withdrawing money in a different place!

Depending on the withdrawal bank and withdrawal method, the deduction standard is different.

There is a handling fee for inter-bank withdrawals of UnionPay cards.

Inter-bank withdrawals generally charge a handling fee of 2 50 yuan per transaction, and some banks do not charge handling fees for the first 2 or 3 inter-bank withdrawals per month. After all major state-owned banks implemented the standard of 4 yuan for inter-bank handling fees in the same city, some joint-stock banks also officially raised this handling fee in July 2010.

No, the bank card can only be withdrawn in a different place; However, withdrawals can only be made over the counter of the same companions. There are two ways to withdraw money from other places:1

Take the card to the counter of the bank of the same company to withdraw money, and you can withdraw the money directly, but you need to deduct the handling fee; 2.Take the card to another bank's ATM and pick it up.

Extended information] The UnionPay card of the rural commercial bank is used nationwide, as long as it is a UnionPay machine, it can only be used in the province.

Rural commercial bank cards with the UnionPay logo can be used to withdraw money at bank ATMs throughout the country. According to the different opening banks of the card, the handling fees charged are different for inter-bank withdrawals in the same city, inter-bank withdrawals in different places, and withdrawals in other places, and the general fees are between the withdrawal amounts. Peer withdrawals are commission-free.

If there is a balance in the savings card of the Rural Commercial Bank, then the balance will be calculated according to the interest rate of the bank's current deposit, but the interest on the demand deposit is relatively low, and the depositor does not have obvious perception when the balance in the card is small.

The interest on demand deposits is generally calculated based on the actual number of deposit days, but there will be certain value rules, that is, the interest is calculated on the 30th of each month and 360 days per year. The calculation formula is: demand deposit interest = deposit amount (current interest rate 360) deposit days.

The interest rate is calculated according to the current interest rate listed on the day, and the interest rate of the demand deposit of each bank is also different, which is up and down on the basis of the benchmark demand deposit interest rate. The settlement date of demand interest is basically the same for all banks, which is the 20th day of the last month of each quarter.

For example, if there is a balance of 5,000 yuan in the savings card of Beijing Rural Commercial Bank, and the current deposit interest rate announced by Beijing Rural Commercial Bank is, then the expected interest return on 30 days is: 5,000 * (yuan.

The bank card transaction details exist objectively, and the bank does not provide deletion services. The income and expenditure details of the bank card cannot be deleted, and the card holder and the cardholder's ID card can be checked. However, there is a lot of banking business, and the bank will handle the information erasure business on a regular basis.

Once the system automatically clears the details, the cleared details can no longer be found.

If the user deletes the transaction details through the consumption platform, it means that the user has deleted the transaction records on the consumption platform, and the transaction details recorded in the bank cannot be deleted. The bank card flow will also be displayed, and if the cardholder wants to print the bank card transaction details, he can go directly to the card-issuing bank to handle the relevant business.

Judging from the regulations of the card-issuing bank on bank cards, the bank card transaction details cannot be deleted, and the bank does not provide cardholders with the right to delete them. Moreover, UnionPay will charge based on inquiries and borrowing and lending, so every transaction will be recorded and queried when necessary. The transaction history of the bank card can only be deleted after the account is closed, and the new record will be overwritten after a long time.

Since 2017, the handling fee waiver for non-local withdrawals of major banks has been fully implemented. There is no longer a handling fee for the withdrawal of funds from other places in the same place.

The China Banking Regulatory Commission (CBRC) issued the Notice on Canceling and Suspending the Fees and Charges of Some Basic Financial Services of Commercial Banks, stipulating that from August 1, 2017, the handling fee for cash withdrawals over the counter of the Bank in other places will be cancelled. All commercial banks handle cash withdrawal business for personal customers of the Bank through the counters of the Bank in other places (including ATMs) free of charge (excluding credit card cash withdrawal).

2. You need to pay a certain handling fee for withdrawing money from overseas ATMs. Since the handling fee is charged by each bank itself, the regulations are different, so it is recommended that you consult the card issuing bank; On this basis, some overseas acquirers will charge additional ATM service fees (ATM surcharge) for cardholders, please pay attention to the ATM fee reminder when withdrawing money, and the actual fee standard is subject to the local machine prompt information.

Zhejiang Province should start to cancel the inter-bank ATM cash withdrawal fee this year, and other provinces are unknown.

Generally, bank cards are charged for non-local ATM withdrawals with handling fees: 1% of each withdrawal amount for ATM inter-bank withdrawals in different places, with a minimum of 1 yuan and a maximum of 50 yuan; The handling fee for each inter-bank ATM withdrawal is 2 yuan + 1% of the withdrawal amount, and the minimum of 1% is 1 yuan and the maximum is 50 yuan;

Non-local counter withdrawal fee: A handling fee will be charged according to the withdrawal amount, with a minimum of 1 yuan and a maximum of 50 yuan.

In many joint-stock banks, inter-bank deposits and withdrawals in different places are free of charge, please consult your bank for details.

I will definitely collect it, usually five thousandths.

If there is a fee, the charging standard is 5/1,000.

1. At present, the bank card counter in different places implements the ** guide price, that is, "through the counter of the bank for the bank's individual customers to handle cash withdrawal business, each charge does not exceed the amount of cash withdrawal, the maximum charge is 50 yuan", and "personal bank deposit (or transfer) in other places" belongs to the market adjustment price, the bank's charging model is not completely consistent, and the four major banks are currently charging this fee.

2. Among the four major banks, the banks with relatively low charging standards will be charged according to the deposit and withdrawal quota (minimum 2 yuan, maximum 50 yuan) for deposits and withdrawals in different places; Banks with relatively high fees charge 1% of the withdrawal amount (minimum 2 yuan, maximum 100 yuan) for non-local withdrawals.

3. For details, please consult the bank staff or customer service.

The inter-bank and cross-regional bank card handling fee stipulated by the state is charged at 5/1000, with a minimum single fee of 2 yuan and a maximum of 50 yuan.

Bank of Communications: Non-local inter-bank fee: 2 yuan +8%. (minimum 5 yuan, no upper limit), non-local interbank fee: 6% minimum 1 yuan, no upper limit).

Agricultural Bank of China: non-local inter-bank fee: 1% of the business amount (minimum 1 yuan, no upper limit) + 2 yuan, non-local interbank fee: 1% of the business amount

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