How to charge remittance fees from major banks

Industrial and Commercial Bank of China.

Handling fee: ICBC provides two remittance methods, one is Lingtong card remittance, the handling fee is 1 of the remittance amount, the minimum remittance fee is 1 yuan, and the maximum remittance fee is 50 yuan. The second is the peony card remittance, and there is no remittance fee.

Online Banking: Minimum $5 per transaction, maximum $50.

Abc.

Handling fee: There are two kinds of deposit remittance and electronic remittance, the minimum handling fee for deposit remittance is 1 yuan, and if it exceeds 1000 yuan, it will be charged according to 0 5. The minimum handling fee for electronic remittance is 1 yuan, and more than l00 yuan will be charged as 1.

Online Banking: Same fees as over-the-counter money transfers.

Bank of China. Handling fee: The bank's remittance fee is based on the remittance amount, with a minimum limit of 5 yuan and a maximum limit of 500 yuan. That is, the remittance fee for remittance amounts less than 5,000 yuan is 5 yuan, and the handling fee for remittance amounts above 5,000 yuan will be charged according to the remittance amount.

China Construction Bank. Handling fee: The minimum handling fee is 1 yuan, and the maximum handling fee is 50 yuan.

Online Banking: The minimum is $1 per transaction, and the maximum is not more than $30.

**Bank: minimum $1 per transaction, maximum $40.

Bank of Communications. Handling fee: For remittance between peers, a handling fee will be charged, with a minimum of 10 yuan and a maximum of 50 yuan; Inter-bank remittance charges a handling fee of 1, with a maximum charge of 50 yuan.

China Merchants Bank. Handling fee: There are two kinds, one is fast remittance, the minimum handling fee is 5 yuan, more than 1000 yuan, the fee is charged according to 0 5, which is suitable for the remittance amount within 10,000 yuan.

The other is electronic remittance, the minimum handling fee is 10 yuan, the remittance handling fee is 1 of the remittance amount, and the maximum is 50 yuan, which is suitable for the remittance amount of more than 10,000 yuan.

Online banking: 5 yuan per transaction, 10 yuan for inter-bank remittance.

China Everbright Bank. Handling fee: The handling fee is 0 5 of the remittance amount, with a minimum of 2 yuan and a maximum of 20 yuan.

Hua Xia Bank. Handling fee: The handling fee is 0 1 of the remittance amount

The minimum is 1 yuan, and the maximum is 10 yuan.

Postal savings. Handling fee: 0 5 of the remittance amount, up to a maximum of 50 yuan.

Among them, the handling fee of inter-bank remittance and postal savings of Bank of Communications is directly deducted from the principal.

The fees for remittance and transfer between different banks and different channels are inconsistent. In the case of Ping An Bank, all personal customers of Ping An Bank are currently exempt from handling fees for RMB domestic transfers and remittances through mobile banking and online banking.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

China Construction Bank: If the inter-bank transfer is less than 2,000 yuan, a fee of 2 yuan will be charged for each transaction. If the transfer amount is higher than 2,000 yuan, the labor fee will be charged according to the transfer amount, with a minimum of 2 yuan per transaction and a maximum of 50 yuan per transaction.

2. Bank of Communications: inter-bank transfer is less than 2,000 yuan, and each yuan is charged per transaction. If the transfer amount is more than 2,000 yuan, the labor fee will be charged at 1% of the transfer amount, with a minimum of 2 yuan and a maximum of 50 yuan.

3. Bank of China: inter-bank transfer is less than 2,000 yuan, and each fee per transaction is per transaction. The amount is 2,000 to 10,000 yuan per fee, and more than 10,000 yuan is charged per fee.

4. Agricultural Bank of China: The inter-bank transfer fee is 5/1000 of the transfer amount, and the minimum fee charged is 2 yuan per transaction, and the maximum fee is 35 yuan per transaction.

5. Industrial and Commercial Bank of China: If the amount of inter-bank transfer is less than 2,000 yuan, a handling fee of 2 yuan will be charged for each transaction. The amount is between 5,000 and 10,000 yuan, and 10 yuan is charged for each transaction.

The amount is between 10,000 and 50,000 yuan, and each transaction will be charged 15 yuan for labor costs. If the transfer amount is more than 50,000 yuan, labor fees will be charged according to the transfer amount, but the maximum amount is capped at 50 yuan.

Extended information: 1. Industrial and Commercial Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan quarterly;

2. Agricultural Bank of China: less than 500 yuan to charge a small account management fee of 3 yuan per quarter;

3. China Construction Bank: Less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

4. Bank of China: The average daily deposit is less than 300 yuan, and the management fee for small accounts is up to 9 yuan per quarter;

5. Bank of Communications: Less than 500 yuan to charge a small account management fee of 3 yuan per quarter;

6. China Merchants Bank: Charge a small account management fee of 1 yuan per month for less than 10,000 yuan.

7. Postal Savings Bank: Less than 100 yuan to charge a small account management fee of 3 yuan per quarter;

8. Changsha Bank is free of small account management fee.

9. Ping An Bank: The monthly average is less than 1,000 yuan, and the small account management fee is 2 yuan per month.

Remittance fees range from $1 to $50, and different banks have different fees.

Basically, the handling fee for transfers below 2,000 yuan is 2 yuan, the handling fee for transfers between 2,000 yuan and 5,000 yuan is 5 yuan, the handling fee for transfers between 5,000 yuan and 50,000 yuan is 10 yuan, and the handling fee for transfers of more than 50,000 yuan is charged for the transfer amount, and the handling fee charged does not exceed 50 yuan. Exchange losses of general and small businesses are debited to the Finance Expense account. Financial enterprises set up a special account for "exchange gains and losses", and the exchange losses incurred are also debited.

If you make a mistake, you can get it back, but it will go through some processes. For example, take the initiative to contact the bank and ask the bank to contact the other party to see if the other party comes forward to solve the problem and whether it is willing to return the money. Intra-city business is called transfer, and inter-bank and non-local business is called remittance; ATMs or other online channels are transfers, and counters are remittances; Transferring money to the bank is called transfer, and cash deposit is called remittance.

Remittance correction means to correct erroneous transfers and remittance operations. "Remittance reversal" is also known as "transfer reversal". "Transfer reversal" is a banking term that corrects erroneous remittance transactions.

If the transfer is not successful, when there is an abnormal situation such as communication timeout in the bank transfer transaction, the transaction initiator will automatically or manually initiate the bank transfer reversal transaction.

A transfer voucher is an accounting voucher used to record other economic operations other than cash and bank deposits. It is based on the original vouchers of the relevant transfer operations and serves as the basis for the registration of the relevant account books. The accounting vouchers used to fill in the accounting entries of the transfer business if they are filled in according to the original vouchers of the transfer business (i.e., the various businesses that do not involve the receipt and payment of cash and bank deposits) or the original vouchers that are summarized.

The transfer voucher is the basis for registering the relevant subledger and the general ledger.

The transfer voucher is a voucher used to record the transfer business that is not related to the receipt and payment of monetary funds, and it is filled in by the accountant according to the original voucher of the transfer that is verified and correct. In accounting, transfer vouchers are used to prepare accounting entries that do not involve cash and bank deposit accounts.

There is generally a handling fee for inter-bank bank card transfer, but the transfer channel is different, and the handling fee is also different

1.When transferring money through the bank counter, the bank generally charges a handling fee of 2-50 yuan;

2.Through ATMs.

When inter-bank transfer, the bank generally charges a handling fee of 2-18 yuan;

3.Through online banking.

When inter-bank transfer, the transfer amount is greater than 5,000, and a handling fee of 5-50 yuan is generally charged; No fee will be charged for less than 5,000 yuan;

4.Through mobile banking.

Generally, no handling fee is charged for inter-bank transfers.

Extended information: 1. ICBC inter-bank transfer fee:

1. Same city: 1% of the transfer amount, with a minimum of 1 yuan and a maximum of 50 yuan.

2. Non-local: 1% of the transfer amount, with a minimum of 1 yuan and a maximum of 50 yuan.

3. Internet banking: 1% of the transfer amount, with a minimum of 1 yuan and a maximum of 50 yuan. 10% discount on eRemittance.

2. Agricultural Bank of China's inter-bank transfer fee:

1. Same city: less than 5,000: 2 yuan, 5,000-50,000: 3 yuan, 50,000-100,000: 5 yuan, more than 100,000: 8 yuan.

2. Non-local: the transaction amount; The minimum is 1 yuan, and the maximum is 35 yuan.

3. Online banking: 2 yuan for inter-bank transfers below 5,000 yuan in the same city, 3 yuan for 5,000 yuan to 50,000 yuan, 5 yuan for 50,000 yuan to 100,000 yuan, and 100,000 yuan.

Note: 1. According to the relevant regulations of the People's Bank of China, ICBC transfers and remits money with other banks.

The service inter-bank transfer remittance time is 9:00 and 17:00 every working day.

2. ICBC and other banks will charge a handling fee of 1% of the transfer and remittance amount, with a minimum of 1 yuan and a maximum of 50 yuan.

3. Please pay attention to the following regulations of the State Administration of Foreign Exchange when handling foreign exchange remittances:

1) The name of the beneficiary of the foreign exchange remittance must be the same as the name of the remitter, or the immediate family member of the remitter. If the beneficiary's name is inconsistent with the sender's name, it must be presented that "the beneficiary and the sender are immediate family members."

"Immediate family" includes "spouse, father (mother) and son (daughter)", and the supporting documents are as follows:

a.The beneficiary and remitter are in the same account booklet.

shall present the household registration booklet.

b.If the beneficiary and the remitter are not in the same household register, a notarization or certification document issued by the notary department or the police station or other competent authority proving that the payee and the remitter are indeed immediate family members shall be presented.

In accordance with the provisions of the "Bank Acceptance Agreement", the payment unit shall pay the travel chain handling fee to the accepting bank for the acceptance procedures, which shall be deducted from the deposit account of the payment unit by the opening bank. According to the current regulations, the bank acceptance fee shall be charged at 5/10,000 of the face value of the bank acceptance bill, and if the handling fee is less than 10 yuan, it shall be charged at 10 yuan. The acceptance period of paper bank acceptance bills shall not exceed 6 months, and the acceptance period of electronic bank acceptance bills shall not exceed 1 year.

If the applicant fails to pay the bank acceptance bill when due, the overdue penalty interest shall be calculated according to the regulations.

What are the conditions for opening a banker's acceptance?

1. Legal persons and other organizations that open deposit accounts in the acceptance bank;

2. Have a real entrusted payment relationship with the accepting bank;

3. Be able to provide legally effective purchase and sale contracts and VAT invoices;

4. Have sufficient payment capacity, good settlement record and settlement reputation.

5. Good credit relationship with the bank, no loan overdue record.

6. Be able to provide corresponding guarantees, or deposit a certain percentage of the margin as required.

7. The drawer has a good credit guarantee.

What is the procedure for opening a bank draft?

1. Sign the transaction contract.

After negotiation, the two parties sign a commodity transaction contract, and indicate in the contract that the bank will settle the settlement by using the acceptance bill in the form of a town. As a seller, if the other party's business credit is not good, or the other party's credit status is not well understood or has little confidence, it is safer to use a bank acceptance draft. Because the bank acceptance bill is accepted by the bank and guaranteed by the bank's credit, it can ensure the timely recovery of the payment.

2. Issue bills of exchange.

The payer shall issue a banker's acceptance draft in accordance with the provisions of the contract signed by both parties. The bank acceptance bill is in triplicate, the first copy is a card, and the acceptance bank makes a summons to pay when paying the bill; The second copy shall be a summons for payment of the interbank account when the payee's opening bank collects the bill from the accepting bank; The third copy is the stub copy, and the issuing unit prepares the relevant vouchers.

3. Acceptance of bills of exchange.

After filling in the bank acceptance draft, the cashier of the payment unit shall check the relevant contents of the bill of exchange with the transaction contract, fill in the list of "bank acceptance agreement" and bank acceptance draft after verification, and stamp the official seal of the unit at the "acceptance applicant". The bank acceptance agreement is generally in triplicate, one copy of the bank credit department, one copy of the bank accounting department, and one copy of the payment unit, and its content is mainly the basic content of the bill of exchange, and the basic terms that the applicant should abide by after the bill of exchange is accepted by the bank. After the bank has completed the review, the bank acceptance agreement shall be stamped with the official seal or contract seal of the source bank of the banking hall, and the special seal of the bank acceptance bill shall be stamped with the special seal of the bill of exchange, and at least one private seal of the handler.

Legal basis: The State Administration of Foreign Exchange has relevant regulations, and if the limit is exceeded, you must apply for the "Permit to Carry Foreign Currency Abroad" and take the initiative to present it to the customs when leaving the country. The "Permit to Carry Foreign Currency Abroad" can be processed at the bank, and a handling fee of about RMB 10 will be charged for each "Permit".

Carrying cash can be used immediately for payment and is inexpensive, but it is neither convenient nor safe, and there is no way to compensate for lost or stolen cash.

1.Industrial and Commercial Bank of China: Handling fee: ICBC provides two remittance methods, one is Lingtong card remittance, the handling fee is 1 of the remittance amount, the minimum remittance fee is 1 yuan, and the maximum is 50 yuan. The second is the peony card remittance, and there is no remittance fee.

Online Banking: Minimum $5 per transaction, maximum $50.

2.Agricultural Bank of China: Handling fee: divided into deposit remittance and electronic remittance, the minimum handling fee for deposit remittance is 1 yuan, and if it exceeds 1000 yuan, the fee will be charged according to 0 5. The minimum handling fee for electronic remittance is 1 yuan, and more than l00 yuan will be charged as 1.

Online Banking: Same fees as over-the-counter money transfers.

3.Bank of China: Handling Fee:

The bank's remittance fee is based on the amount of remittance, with a minimum limit of 5 yuan and a maximum limit of 500 yuan. That is, the remittance fee for remittance amounts less than 5,000 yuan is 5 yuan, and the handling fee for remittance amounts above 5,000 yuan will be charged according to the remittance amount.

4.CCB: Handling Fee:

The minimum handling fee is 1 yuan, and the maximum handling fee is 50 yuan. Online Banking: The minimum is $1 per transaction, and the maximum is not more than $30.

In two cases, if the bank of remittance is in a city with an Internet connection, it will arrive within two hours after the remittance; Otherwise, it will take 3 to 5 business days to arrive.

5.Bank of Communications: Handling fee: Remittance between peers, handling fee is charged, the minimum is 10 yuan, the maximum is 50 yuan; Inter-bank remittance charges a handling fee of 1, with a maximum charge of 50 yuan. Arrival time: Instant arrival.

6.China Merchants Bank: Handling Fee:

It is divided into two kinds, one is fast remittance, the minimum handling fee is 5 yuan, and if it exceeds 1000 yuan, the fee will be charged according to 0 5, which is suitable for the remittance amount within 10,000 yuan. The other is electronic remittance, the minimum handling fee is 10 yuan, the remittance handling fee is 1 of the remittance amount, and the maximum is 50 yuan, which is suitable for the remittance amount of more than 10,000 yuan. Internet Banking:

7.China Everbright Bank: Handling fee: The handling fee is 0 5 of the remittance amount, the minimum is 2 yuan, and the maximum is 20 yuan.

8.Huaxia Bank handling fee: the handling fee is 0 1 of the remittance amount; The minimum is 1 yuan, and the maximum is 10 yuan.

9.Postal Savings: Handling fee: 0 5 of the remittance amount, up to 50 yuan.