Now is not every bank card to charge an annual fee, is there no money, I recommend it

The bank card is subject to an annual fee:

Ordinary bank cards need to pay an annual fee, which varies according to different banks.

1. Industrial and Commercial Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan per quarter.

2. Agricultural Bank of China: less than 300-500 yuan to charge a small account management fee of 3 yuan per quarter;

3. China Construction Bank: less than 300-500 yuan to charge a small account management fee of 3 yuan per quarter;

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

5. Bank of Communications: less than 300 yuan will charge a small account management fee of 3 yuan per quarter;

6. Postal Savings Bank of China: 3 yuan per quarter for small account management fees less than 100 yuan;

7. China Minsheng Bank: Shenzhen City is less than 5,000 yuan (5,000 yuan) and collects a one-time small account management fee of 36 yuan per year;

8. China Everbright Bank: At present, there is no small account management fee;

9. China CITIC Bank: At present, there is no small account management fee;

10. Huaxia Bank: At present, there is no small account management fee;

11. Shanghai Pudong Development Bank: At present, there is no small account management fee;

12. Industrial Bank: At present, there is no charge for the management of small accounts;

13. China Merchants Bank: If the average daily deposit balance is less than 10,000 yuan (10,000 yuan), a small account management fee of 1 yuan will be charged for 1 month;

14. Shenzhen Development Bank: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

15. Guangdong Development Bank: If the average daily deposit balance is less than 500 yuan, a small account management fee of 3 yuan will be charged quarterly;

16. Bohai Bank: At present, there is no small account management fee;

17. Hengfeng Bank: At present, there is no small account management fee;

18. Zheshang Bank: At present, there is no small account management fee;

19. Bank of Beijing: At present, there is no small account management fee;

20. Bank of Shanghai: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

21. Bank of Tianjin: less than 300 yuan to charge a small account management fee of 3 yuan quarterly.

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.

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.

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.

According to the new regulations, starting from August 1, 2014, the account management fee and annual fee for individual customers will be conditionally exempted, and some fees will be reduced. However, for bank customer accounts (excluding credit cards) that do 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 them with an account (excluding credit cards and VIP accounts) that are exempt from account management fees (including small account management fees) and annual fees.

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.

If the bank card needs to pay an annual fee, a bank can waive the annual fee and small account management fee for a cardThere are three kinds of fees for debit cards, namely the cost of work, the annual fee and the small account management fee, the cost of work is the cost of Botong holding the card, the system will automatically deduct the fee after the bank card is deposited, the annual fee is charged once a year, and a bank can reduce the annual fee of a bank card.

The small account management fee is charged once a quarter, and the average daily balance of the general bank card will be charged only if it is lower than the amount specified by the bank, and the amount of Jiqing will not be charged if it is higher than the amount specified by the bank.