What does interbank banking mean and what does interbank transfer mean

Interbank means some financial operations between two different banks. Generally, there are inter-bank withdrawals, inter-bank transfers, etc.

Interbank withdrawals are made when you withdraw money from a bank where you are not depositing, and are generally used for ATM withdrawals. For example, if you hold a card from Bank of Communications and go to ICBC to withdraw money, it is an inter-bank withdrawal.

Inter-bank withdrawals are divided into: intra-city inter-bank withdrawals and non-local inter-bank withdrawals.

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.

Online Banking. Inter-bank refers to the inter-bank transfer of users through online channels, such as the transfer from ICBC to Agricultural Bank of China. There is a certain amount of handling fee when making an inter-bank transfer, and different banks have different regulations.

It is worth mentioning that online inter-bank transfer is less than counter processing, and there is mobile banking online.

Online banking, third-party payment platforms, etc.

Extended information: Internet banking generally refers to online banking, which is a virtual counter set up by banks in the Internet, and banks use network technology to provide customers with account opening, account cancellation, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online **, investment and wealth management through the Internet.

and other traditional service items.

The advantages of users using online banking to handle business in their daily lives, such as greatly reducing the operating costs of banks.

There is no time and space limitation, which is conducive to expanding the customer base; It is conducive to service innovation, providing customers with a variety of personalized services, etc., and providing users with personalized financial services through online banking.

The business of online banking generally involves basic banking business (such as money transfer), online investment, and online shopping.

personal finance, etc. Online shopping refers to the online shopping assistance service set up by the Internet bank, which greatly facilitates the online shopping of customers and provides customers with high-quality financial services or related information services on the same service variety.

It is a virtual counter set up by banks in the Internet, and banks use Internet technology to provide customers with traditional services such as account opening, transfer, credit, and online **, so that customers can manage their accounts safely and conveniently without leaving home. It features the ability of customers to access online banking from anywhere in the world to process transactions through the Internet as long as they have a password.

Internet banking (Internetbank or e-bank) contains two levels of meaning, one is the concept of institution, which refers to the bank that conducts business through the information network; The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services.

and emerging businesses arising from the application of information technology. In daily life and work, when we mention online banking, it is more of a second-level concept, that is, the concept of online banking services. Online banking business is not only a simple transfer of traditional banking products from the Internet, other service methods and connotations have undergone certain changes, and due to the application of information technology, new business varieties have emerged.

It can be said that online banking is a virtual bank counter on the Internet.

Inter-bank transfer refers to the transfer between two different banks, such as the transfer of ICBC to China Construction Bank, which is called inter-bank transfer. It should be noted that inter-bank transfers need to go through the inter-bank clearing system of the People's Bank of China, and if it is a large-value transfer, it needs to be operated by staff, so large-value transfers will only arrive on working days. If it is a small transfer, it can generally be received in real time.

1. The arrival time of the inter-bank transfer.

1. Counter inter-bank transfer: If it is a bank working day, it will generally arrive within 24 hours, and the longest will not exceed three working days, and the specific time is determined by referring to the bank's processing speed;

2. ATM.

3. Internet banking.

or mobile banking inter-bank transfer: the money will generally arrive within 1-3 working days;

4. Transfer of third-party payment tools: Users can also choose third-party payment tools for transfer, which will generally arrive in real time.

The above is the arrival time of inter-bank transfer.

2. Inter-bank transfer fee.

Different banks have different inter-bank remittance service fee specifications, and the following are the inter-bank remittance service fee specifications of some ordinary banks:

1. Industrial and Commercial Bank of China: The service fee for inter-bank remittance of intra-city network, local and online banking is 1% of the transfer amount;

2. China Construction Bank: The service fee for inter-bank remittance in the same city network will be deducted according to the trading quota, and the online banking will be deducted according to the trading quota;

3. Agricultural Bank of China: The inter-bank remittance below 5,000 yuan will be charged at 2 yuan per transaction, the transfer amount will be charged at 3 yuan per transaction between 5,000-50,000 yuan, the transfer amount will be charged at 5 yuan per transaction between 50,000 and 100,000 yuan, the transfer amount will be charged at 8 yuan per transaction if the transfer amount is more than 100,000 yuan, and the inter-bank remittance from other places will be charged according to the trading quota.

For example, if you transfer money from ICBC to ABC, it is inter-bank payment.

Inter-bank refers to the transaction from the bank to other non-bank banks.

For example: transfer from Japan Post Bank to Agricultural Bank.

Interbank means that it is not in the same foreign bank (including the Chappai branch of the card-issuing bank), that is, other banks other than the card-issuing bank. For example, if you have a CCB card, it will be a bank other than CCB.

Inter-bank refers to transferring money from one bank to another or handling other non-peer business. For example, if you transfer money to the account of the Agricultural Bank of China to the Industrial and Commercial Bank of China, it is called inter-banking.

Not the same bank.

For example, if you want to transfer money from Bank of China to Bank of Communications, it is called inter-bank.