Do I need to charge an annual fee for my Bank of China card?

For individual customers who hold a "unique account" with BOC, their annual fee is now automatically waived.

Great Wall Debit Card: Standard card with an annual fee of up to 10 yuan card.

Handle related business.

1. Bank of China debit card: Great Wall debit card: the annual fee of the standard card is up to 10 yuan, and the annual fee of the co-branded card is up to 20 yuan; Great Wall International Debit Card up to 50 yuan card.

2. Bank of China Credit Card (excluding Great Wall International Card):

1. Personal card: up to RMB 100 for ordinary card; Gold Titanium up to RMB 360 card; Platinum Card: RMB 800 card; High-end card: RMB 3,600 card; Top card: RMB 8800 card; Theme cards up to RMB 280 card.

2. Civil servant card and unit card: up to RMB 360 card.

3. Great Wall International Card:

1. Personal card: up to 100 Hong Kong dollars, 12 US dollars, 12 euros, 8 pounds per card; Titanium Gold Card up to HK$200, US$25, Euro 22, £15, AUD25 per card; Platinum cards are up to $100 per card;

2. Corporate card: The maximum price of gold card is HK$300 and US$40 per card; The maximum price for a standard card is HK$200 and US$26 per card.

Bank of China's card does not charge an annual fee, the annual fee of the bank card is a fixed fee charged by China's commercial banks to the bank account every year, the annual fee of the bank card is charged once a year, the bank deducts from the account, generally 10 yuan per year, but from August 1, 2017, the annual fee management fee of the bank card began to cancel the suspension of the basic financial service fees of commercial banks, including the annual fee of specific accounts such as wages and small account management fees, bill printing fees, password modification and password reset fees, etc. Therefore, the current Chinese bank card no longer charges an annual fee.

Extended Materials. 1. How to calculate the withdrawal of card deposits of Bank of China.

1. Early withdrawal: The full amount of early withdrawal, based on the principal of the deposit, is calculated according to the actual deposit days and the current deposit interest rate published on the withdrawal date, and the interest is paid off with the principal, and the interest is not calculated in sections if the interest rate is adjusted during the period. Partial early withdrawal, based on the principal of the deposit withdrawn in advance, is calculated according to the actual deposit days and the current deposit interest rate published on the date of withdrawal, and the interest is paid off with the principal.

If the interest rate is adjusted during the period, the interest will not be calculated in stages. If the retained part is not less than the minimum deposit amount, the deposit period shall still be calculated from the original deposit date at the interest rate of the original deposit date. If the retained portion is lower than the minimum deposit amount, the deposit shall be settled in full and the interest shall be calculated according to the current deposit interest rate published on the day of withdrawal.

If the interest rate is adjusted during the period, the interest will not be calculated in stages.

2. Withdrawal after automatic rollover: If the actual deposit period expires the agreed deposit period, the interest will be calculated according to the deposit interest rate of the same grade listed on the transfer date, and if the actual deposit period is less than the agreed deposit period for withdrawal, it will be deemed to be withdrawn in advance during the new deposit period.

3. Overdue withdrawal: For overdue withdrawal, the overdue part will be calculated according to the current deposit interest rate announced on the withdrawal date, and the interest will not be calculated in sections if the interest rate is adjusted during the period.

II. Precautions for the use of Bank Cards of China.

1. In principle, you do not need to show your ID card for card consumption. If you choose to confirm the amount of card consumption by signature only, and the merchant insists that you use a password or ID card, please try to cooperate as much as possible, and the password can be entered as many as 6 digits.

2. When the cashier swipes the card or embosses the purchase order, it should be within your line of sight to prevent your credit card from being misused or stolen;

3. When signing, please be sure to check whether the amount is correct, and do not sign on the purchase form that does not fill in the consumption amount or the amount is incorrect;

4. After completing the payment, please confirm whether the credit card returned by the cashier is indeed your own card, and properly keep the stub copy of the purchase slip so as to check with the bill and provide a basis for dealing with possible disputes;

5. If the purchase form needs to be filled in again due to an error, the cashier shall be asked to destroy all the purchase orders in person. If the transaction authorization has been obtained through the online transaction and the purchase order has been printed, the cashier should be asked to cancel the transaction immediately by swiping the card, and ask the merchant for and keep the printed voucher or the return certificate given by the merchant to avoid disputes in the future;

Bank of China's bank cards are divided into debit cards and credit cards, one type of debit card does not charge annual fees, and the second type of debit cards charge annual fees.

1. Bank of China debit card: Great Wall debit card: the annual fee of the standard card is up to 10 yuan, and the annual fee of the co-branded card is up to 20 yuan; Great Wall International Debit Card up to 50 yuan card.

2. Bank of China Credit Card (excluding Great Wall International Card):

1. Personal card: up to RMB 100 for ordinary card; Gold Titanium up to RMB 360 card; Platinum Card: RMB 800 card; High-end card: RMB 3,600 card; Top card: RMB 8800 card; Theme cards up to RMB 280 card.

2. Civil servant card and unit card: up to RMB 360 card.

3. Great Wall International Card:

1. Personal card: up to 100 Hong Kong dollars, 12 US dollars, 12 euros, 8 pounds per card; Titanium Gold Card up to HK$200, US$25, Euro 22, £15, AUD25 per card; Platinum cards are up to $100 per card;

2. Corporate card: The maximum price of gold card is HK$300 and US$40 per card; The maximum price for a standard card is HK$200 and US$26 per card.

1. Bank of China debit card: Great Wall debit card: the annual fee of the standard card is up to 10 yuan, and the annual fee of the co-branded card is up to 20 yuan; Great Wall International Debit Card up to 50 yuan card.

2. Bank of China Credit Card (excluding Great Wall International Card):

1. Personal card: up to RMB 100 for ordinary card; Gold Titanium up to RMB 360 card; Platinum Card: RMB 800 card; High-end card: RMB 3,600 card; Top card: RMB 8800 card; Theme cards up to RMB 280 card.

2. Civil servant card and unit card: up to RMB 360 card.

3. Great Wall International Card:

1. Personal card: up to 100 Hong Kong dollars, 12 US dollars, 12 euros, 8 pounds per card; Titanium Gold Card up to HK$200, US$25, Euro 22, £15, AUD25 per card; Platinum cards are up to $100 per card;

2. Corporate card: The maximum price of gold card is HK$300 and US$40 per card; The maximum price for a standard card is HK$200 and US$26 per card.

Hello! Bank cards in China charge an annual fee of 10 yuan per year.

There is an annual fee from the Bank of China.

$10 per year.

I have always collected it, generally 10 yuan a year, and there used to be a low fee, but now it has been canceled.

Bank cards are deducted from the annual fee·· Generally, it is deducted once every six months...

First of all, no matter what bank, the debit card is charged with an annual fee.

1. The annual fee for the ICBC debit card is 10 yuan.

2. The annual fee of Bank of China's debit card is 10 yuan.

3. The annual fee of China Construction Bank is 10 yuan, and the U dong is 18 yuan, (with six returns).

4. The annual fee of Bank of Communications is 10 yuan.

5. The annual fee of Agricultural Bank of China is 10 yuan.

Further information: A debit card is a bank card that does not have an overdraft function for depositing and then spending (or withdrawing cash). According to their different functions, they can be divided into transfer cards (including savings cards), special cards and stored value cards.

The debit card is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption, etc., and it also attaches many functions such as transfer, trading**, **, bill payment, etc., and also provides a large number of value-added services.

Debit cards can also be transferred and withdrawn via ATMs, and cannot be overdrawn, and the amount in the account is subject to interest on current deposits. Internationally accepted debit cards look the same as credit cards, with the logo of the international payment card institution printed on the lower right corner. It is available at all points of sale where credit cards are accepted.

The only difference: when using a debit card, the amount is automatically deducted from the bank account and not counted towards the credit limit.

Debit cards can be used in the following ways: password, signature, etc.

In recent years, the problem of new types of illegal crimes in telecommunication networks has become increasingly prominent. In order to implement the decision, fully cooperate with the public security organs to do a good job in the crackdown on new types of violations and crimes in telecommunications networks, and protect the safety of the people's property, the China Banking Regulatory Commission recently issued the "Notice on Matters Related to the Crackdown on New Violations and Crimes in Telecommunications Networks in the Banking Industry" (Yin Jian Fa 2015 No. 48), which has made comprehensive arrangements for the work of cracking down on new types of violations and crimes in telecommunication networks in the banking industry.

First, strict real-name management. Banking financial institutions are required to make full use of technical means such as online verification of ID cards, carefully review the identity documents of the handlers, and resolutely put an end to problems such as illegal card issuance, random card issuance, and batch card issuance.

The second is to strictly limit the number of cards issued. In principle, no more than four debit cards can be issued by the same commercial bank for the same customer. For customers who have applied for more than 4 debit cards, banking financial institutions should take the initiative to contact the card customers for verification.

Where upon verification it is discovered that it is not handled by the person who wishes to handle it, the service shall be suspended and properly handled. [6]

The third is to comprehensively improve the level of bank card security management. Banking financial institutions are required to comprehensively sort out and improve business processes, improve the level of internal control, effectively strengthen the security management of bank cards, continuously strengthen industry self-discipline, and strictly implement social responsibility.

In addition, Circular No. 48 also sets out comprehensive requirements for the supervision and management of bank card business in terms of establishing a contact mechanism, strengthening publicity and education, and establishing and improving the system of rewards and punishments and accountability for evaluation.

Hello, there is, but a bank can exempt you from the annual fee of the first card under the name of the bank, at present, the bank card has three kinds of fees: production cost, annual fee and small account management fee, the production cost is the cost of the card, the system will automatically deduct the fee after the bank card deposits, the annual fee is charged once a year, and the bank side is automatically reduced.

Bank of China debit card has an annual fee, and its charging standard is: the annual fee of the standard card of the Great Wall debit card is up to 10 yuan card, and the annual fee of the co-branded card is up to 20 yuan card; The annual fee of the Great Wall International Debit Card is up to 50 yuan for the card, which is subject to the specifics. The annual fee of the debit card will be deducted on a monthly and daily basis according to the date of card issuance, and if there is an arrears of the annual fee, Bank of China will make up the deduction on a monthly basis.

If the customer's debit card is issued on June 3, 2020, if the card is a debit card with normal charges, Bank of China will deduct the card on June 3 of each year. If the debit card is not activated, the annual fee will not be recorded, which means that it will be activated before the annual fee will be charged.

Small account management fee is charged once a quarter, the average daily balance of the general bank card is lower than the amount specified by the bank, and the amount higher than the amount specified by the bank is not charged, the charging standard is subject to the bank, and the SMS reminder is charged, which is divided into monthly and annual charges, and the charging standards of each bank are different, and the charging standard is subject to the bank.

Ways to waive the annual fee:

Method 1: Take the initiative to apply for a free account with the bank.

The Notice on Printing and Distributing the Pricing Catalogue of Commercial Bank Services stipulates that "if a customer's account (excluding credit card) does not enjoy the exemption of account management fees (including small account management fees) and annual fees, commercial banks shall, upon the customer's application, provide customers with an account (excluding credit card and VIP account) that is exempt from account management fees (including small account management fees) and annual fees." ”

This means that the customer has a free account with each commercial bank. It should be noted that the social security account that is also free of annual fees does not have a savings function, but it is still counted as a free account. If you want to apply for annual fee reduction, you need to take the initiative to apply.

Method 2: Find a small city commercial bank.

Some small city commercial banks will offer services such as free annual fees and free transfer fees, such as Longjiang Bank and Harbin Bank. At the same time, you can pay attention to some seasonal** activities of the bank, such as the exemption of card opening fees for new students in the beginning of the school season and the annual fee during the school period.

Bank of China card application fee is 5 yuan, annual fee is 10 yuan per year, and there is no small account management fee.

Inter-bank withdrawals in the same city are 4 yuan.

The annual fee is deducted when the card is applied for for the first time, and the annual fee will be deducted on the card application date of each year, which is deducted by the China Banking Regulatory Commission.

Yes, country***.

The "Measures for the Administration of Commercial Banking Services" was officially implemented, and the bank reduced or exempted debit cards this time.

Some handling fees (excluding credit cards) include annual fees, cash withdrawal fees, SMS notification fees, transfer and remittance fees, and small-amount account management fees.

There is no annual fee. There is no annual fee for debit cards, but there is a fee for credit cards.

Bank of China debit card annual fee: ordinary debit card used to charge 10 yuan per year, but now the annual fee can be canceled, bring your ID card and bank card to the counter to cancel. The annual fee for VIP debit card is waived, and the annual fee for salary, pension, subsistence allowance, medical insurance, unemployment insurance, housing provident fund account or small account management fee is waived, as well as the annual fee of debit card such as military security card.

Credit card annual fee: 80 yuan for gold card, 40 yuan for general card, 5 times a year for card consumption free of the next year's annual fee; The platinum card is 800 yuan, and 100,000 points can be exchanged for an annual fee, and the number of card swipes is not supported to offset the annual fee.