Which bank is better for online banking, and does it require a handling fee for transfers?

Industrial and commercial online banking and electronic password cards are free, but there is a limit on the amount of a single transaction and the number of times it can be used. There is also a U shield, which needs to be bought for money and is not subject to any restrictions.

CCB's U shield is generally about 30 yuan, and the transfer effect is okay. If you have not used it from other banks, please refer to the opinions of each building.

Agricultural Bank of China, Industrial and Commercial Bank of China, CCB online bank transfer fee.

Bank of China, Bank of Communications, China Merchants Bank online bank transfer fee.

One last note: When choosing an online bank, please also consider: Is the bank close to you? Is it convenient to make a deposit? Because now I find that it is also very troublesome to deposit money in the bank. How can I transfer money without money? Right.

CCB's is also good, and CCB's service attitude is better than ICBC's.

The transfer fee is 20% off, and there is no charge for peers in the same city, and there is no charge for non-local or inter-bank charges.

Industrial and Commercial Bank of China. There is a handling fee, but it is a discount on the basis of the general transfer.

China Merchants Bank's online banking is the best to use.

Ping An Bank does not charge fees, if you have one nearby.

Industrial and Commercial Bank of China. Bank of Communications is good.

SPD Bank does not charge any handling fee for cash withdrawals in other places. If you transfer money, it is recommended that you use Alipay, and there is no handling fee.

Online banking is exempt from handling fees for intra-city and non-local transfers, except for CCB quasi-credit cards.

Online banking inter-bank transfers of less than 5,000 yuan (inclusive) are free of handling fee.

Online banking inter-bank transfer of more than 5,000 yuan is charged.

Mobile banking intra-bank transfers and inter-bank transfers are free of charge and are not limited by the amount.

The difference between a single payment and inter-bank real-time transfer in CCB online banking:

1. Different nature: A single payment by CCB online banking refers to a process in which the contracted customers of CCB's personal online banking enter the ID number, user name, online banking login password and verification code to verify the security tools of CCB and make a successful payment when making online payment.

Inter-bank transfer refers to the exchange of accounts between different banks, involving two different banks and the People's Bank of China, such as CCB to ICBC account.

2. The handling fee standards of the two are different, and there is no handling fee for a single payment of CCB online banking, which is generally charged to the merchant; Inter-bank transfer requires a handling fee, which is charged to the transferor, and the handling fee standard of different banks is inconsistent, and the handling fee varies depending on the size of the transfer amount.

3. The accounting clearing mechanism of the two is different: a single payment of CCB online banking involves the accounting settlement between the merchant and the customer (CCB), and the inter-bank transfer involves the accounting settlement of the transferor's bank, the People's Bank of China and the transferee's bank.

4. The transaction amount limit is different, and the single payment limit and daily payment limit of CCB online banking are determined by the bank, personal settings and merchant settings, whichever is smaller. There is no limit on interbank transfers.

Online banking transfer depends on the place of settlement, and inter-bank transfer and non-local transfer generally require handling fees (except for a few banks with preferential policies). For example, if you transfer a card to a different place now, even if it is cross-regional, if you use online banking to transfer money to a colleague in the place where the card was opened in a different place, you don't need to, because the settlement place is in the same city. There are preferential policies for online banking transfer in various banks, and the regulations of major banks for online banking transfer fees are different.

Compared with going to the counter, online transfer is convenient and fast, eliminating the need to run to the bank, queuing, filling in forms and the like. Some banks offer a better discount on online transfers than over the counter.