Why do banks charge an annual fee? Those banks charge 10

If you serve you, you will have to charge a fee.

Plausible. However, there is no way national superstructure alas

The Agricultural Bank of China wants it, I wonder, it is still a big agricultural country, starting with the Agricultural Bank of China.

Disagree with Hai Wei's statement.

Commercial banks have set up all kinds of handling fees when carrying out various operations, and now they have to charge for what they say for our services, isn't that a duplicate charge?

Trend! In a year or two, all the banks will collect it, and no one will be able to escape

There's no free lunch! If you don't want to pay, just put it at home!

Bank debit cards are charged with an annual fee.

Introducing the annual fee standards for debit cards of several banks:

1. The annual fee for the debit card of ICBC 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, (which is returned six times);

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

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

Extended Materials. 1. Annual fees for corporate accounts of the four major banks.

The annual fee standard of the four major banks for corporate accounts: Agricultural Bank of China and Industrial and Commercial Bank of China, including online banking, annual fee, and differential SMS** are about 800-1000 yuan in total; Bank of China annual fee of 866 yuan; The annual fee of CCB is about 300 yuan. Before choosing a bank to open a corporate account, users should consult whether the bank can meet the company's requirements for the use of corporate accounts, and ask the bank's regulations on enterprises to open corporate accounts to see whether they meet the conditions.

Advantages of large banks in opening corporate accounts: 1. Convenient payment.

Compared with rural commercial banks and urban commercial banks, the four major banks have a much higher bank level, strong anti-risk ability, and it is easier to choose the opening bank when making payments, which is trouble-free to operate, and the financial affairs of the payer company are also willing to give priority to helping the head of the household.

2. Which is better, a savings card or a debit card?

Savings card is a kind of debit card, debit card can also be regarded as an upgraded version of the savings card, the two have certain differences in function, savings card is mainly suitable for saving assets, with certain limitations. A debit card is a card that is signed by the issuing bank to the customer, has no credit limit, and must be deposited before consumption.

Both debit and debit cards are mediums for saving money. Let's talk about their differences in two ways. First of all, the first aspect is functionality.

In addition to the basic function of storing money, the debit card will have some other functions. For example, online bill payment, purchase** or other financial products. These value-added services can be used through bank authorization.

Of course, online shopping, WeChat Pay and Alipay can all be used. But the debit card doesn't have so many features on top of that. Savings cards only have the basic function of storage, and you can store money at ATMs or go to shopping malls to spend money through POS machines.

Another aspect is the appearance, the card number is generally 19 digits, and it is printed, not a concave and convex number. It also does not have an expiration date and security label like a credit card. Because the function of the debit card is very simple, it cannot be used completely in many cases, so most people use debit cards.

At present, the banks without annual fees are: Minsheng Bank, Bank of Nanjing, Huaxia Bank, Industrial Bank, China CITIC Bank, China Everbright Bank, Shengjing Bank, etc. In addition, the Postal Savings Bank of China charges an annual fee of 10 yuan in Fujian Province and Zhuzhou, Hunan Province, while other regions do not currently charge an annual fee.

Since August 1, 2014, the China Banking Regulatory Commission and the state have officially implemented the "Measures for the Management of Commercial Banking Services", in which the free fees include the annual fee of the debit card and the small account management fee.

Extended Materials. In general, bank cards are divided into credit cards and debit cards according to whether the credit line is granted to the cardholder. In addition, bank cards are ok.

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic card and overseas card;

According to the different issuance objects, it is divided into individual cards and unit cards;

According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

Apply for a bank card.

The process of applying for a credit and debit card is not the same.

When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or copy of household registration book or household registration book), proof of residence, proof of income of the unit or proof of personal assets to apply to the card issuer, and you need to fill in the application form, in which the information is required to be true. After filling in the application form, it is necessary to go to the head office of the opening bank for the record, and the head office of the opening bank will review the application materials, and the card can be issued to the customer after about 20 working days. Credit cards can only be applied to customers aged 18 and above, and minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple, you only need to bring your valid documents (ID card or household registration booklet), go to the opening bank to fill out the application form, and the card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply for it. When customers under the age of 16 apply for a debit card, their guardian must go to the counter of the bank branch with the account book (or relevant proof if it is not on the same account book), and the person to be handled can not be present. Minors who have reached the age of 16 but are under the age of 18 can go to the bank counter with their work certificate and ID card to apply for a debit card by themselves if they have already participated in the work. Applicants aged 18 or above can apply for a debit card directly at the counter of a bank branch or a self-service card kiosk with their ID card.

According to national regulations, debit cards handled as minors do not have the function of online banking and cannot be bound to mobile payment software.

Report a lost card.

The loss reporting procedures of major banks are not exactly the same, if you lose it, you can first use ** or online banking to temporarily report the loss, and then bring your ID card and other supporting materials to the bank counter to report the loss.

In the case of bank cards, some do require annual fees, but some do not need to pay annual feesGenerally speaking, the first savings card handled in a bank should not need to pay annual fees. There are two types of bank cards, one is a savings bank and the other is a credit card. Savings bank cards do not need to pay an annual fee, but there is still an annual fee for credit cards, and if you do not meet the conditions for credit card annual fee reduction, the annual fee will be deducted every year.

The annual fee for bank cards usually refers to the annual fee for debit cards, but in a broad sense, it includes annual fees for credit cards, online banking, etc. The annual fee for debit cards is partially charged, and some banks waive the annual fee. The annual fee for credit cards is generally charged, and the fees are high, ranging from a few hundred.

In fact, as early as 2011, the China Banking Regulatory Commission, the People's Bank of China, and the National Development and Reform Commission jointly issued the Notice on the Exemption of Some Service Charges for Banking Financial Institutions, requiring banking financial institutions to exempt 34 service charges in 11 categories from RMB personal accounts from July 1 of that year. The Industrial and Commercial Bank of China, the Agricultural Bank of China, and the China Construction Bank charge an annual fee of about 10 yuan.

Bank cards need to pay an annual fee, each bank's bank card annual fee collection standard is different, most of the bank's first savings card is not charged annual fee, if necessary, you can go to the counter to apply for an annual fee waiver.

In addition, although some banks do not charge an annual fee, they do charge an administration fee.

There are other situations that if you hold multiple bank cards in one bank, except for the one bank card you specify, the other bank cards also need to charge an annual fee, and you cannot apply for an annual fee waiver.

Further information: In general, bank cards are divided into credit cards and debit cards according to whether the credit limit is granted to the cardholder. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic card and overseas card; According to the different issuance objects, it is divided into individual cards and unit cards; According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash. A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, no overdraft, the amount in the card is based on the current deposit and interest. Funds are transferred directly from the savings account when spending or withdrawing. Debit cards generally require a PIN to use.

Debit cards can be divided into regular, gold, and platinum cards according to their levels; According to the scope of use, it can be divided into domestic cards and international cards.

Credit cards are further divided into credit cards and quasi-credit cards. A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the bank's requirements, and when the reserve fund is insufficient to pay, it can overdraft within the credit limit specified by the issuing bank.

A credit card, often referred to as a credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. It has the following features: Spend first and repay later, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay the loan in installments if they have an overdraft.

Customers are required to pay a certain amount of annual fee to the bank they are applying for, which varies from bank to bank.

The quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and settlement in RMB, with functions such as transfer settlement, cash deposit and withdrawal, credit consumption, and online banking transactions. When the balance of the account is insufficient for payment, the cardholder can overdraft the consumption and withdraw cash within the specified limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

The annual fee charged by different banks for corporate accounts is different. The following are the fees and charges of the four major banks for corporate accounts:

1.ICBC's corporate account is between 50-300.

2.The maintenance of the corporate account of the Agricultural Bank of China is generally between 100-600 yuan, and the additional 100-200 yuan per year is charged for the settlement account of the small unit; The annual fee charged for the account included in the long-term dormant account management is between 100 and 200 yuan.

3.Bank of China's corporate account is 200 yuan.

4.The annual fee of CCB is 300 yuan.