How can Ping An Bank deduct personal account management fees?

The maintenance and management of the bank account need to be carried out through equipment and personnel, and the operation, maintenance, and upgrading of the system will have costs, and the bank as an enterprise These expenses are the operating costs, so according to the relevant regulations, the bank charges account management fees for personal accounts is actually only the cost of charging, and these fees are collected to ensure that the bank continues to provide customers with high-quality and professional services. You can apply for only one ordinary debit card (with only one valid account and a general card) from our bank to waive the account management fee, and you can also avoid unnecessary expenses by cleaning up and merging redundant accounts and canceling long-term dormant accounts.

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

Starting from April 2010, cards with an account balance of less than 1,000 yuan will be deducted from the small account management fee of 2 yuan per month, and the annual fee is 10 yuan per card.

Ping An Bank. The account management fee is as follows: General Card: If you only open one debit card in Ping An Bank.

If the passbook is at the level of a regular card, our bank will automatically waive or exempt your account management fee; If you have multiple debit cards under your name and the highest card level is a general card passbook, if the assets do not meet the specified standard (the average monthly equity assets of the customer are 1,000 yuan), our bank will charge a monthly general card account management fee of 2 yuan for each card passbook; Gold Card: If the highest level under your name is a Gold Card, if the assets fail to meet the specified standard (the average daily equity assets in any month in three months of each natural quarter are 50,000 yuan), our bank will charge a quarterly account management fee of 15 yuan; Platinum.

If the highest level under your name is a platinum card, if the assets fail to meet the specified standard (the average daily equity assets in any month and month in three months of each natural quarter are 500,000), our bank will charge a quarterly account management fee of 60 yuan; Diamond Card: If the highest level under your name is a Diamond Card, if the asset book fails to meet the specified standard (the average daily equity assets of any month and month in three months of each natural quarter are 2 million), the Bank will collect the following on a quarterly basis

$90 quarterly account management fee; Black Diamond Card: If the highest level under your name is a Black Diamond Card, if the assets fail to meet the specified standards (the average daily equity assets in any month and month in each state with a natural quarter of 2 million in three months), you will be charged a quarterly account management fee of 150 yuan.

For the specific tariff, please refer to the announcement on the official website of Ping An Bank.

1. What is the account management fee?

Ping An Bank. The "Account Fee" is the Account Management Fee. Take the individual VIP customer classification standard as an example, including diamond customers, platinum customers, ** customers, each different level of customers charge different account management fees.

China Banking Regulatory Commission in 2011.

Yes, the People's Bank of China.

The National Development and Reform Commission jointly issued the Notice on the Exemption of Some Service Charges by Banking Financial Institutions. Banking financial institutions are required to exempt 11 categories of 34 service fees for RMB personal accounts from July 1, 2011. Among them, there are provisions on small management fees:

Salary account and pension that have been contracted and opened.

Accounts, subsistence accounts, medical insurance accounts, unemployment insurance.

Annual fees and account management fees (including small account management fees) for accounts and housing provident fund accounts; This means that in addition to the above accounts, a small account management fee is also charged.

2. Ping An Bank Account Management Fee Standards

Ping An Bank account management fees are charged as follows:

1.Ordinary card: For example, only one debit card is opened at Ping An Bank.

If the passbook is at the level of a general card, Ping An Bank will automatically reduce or exempt the account management fee; If a consumer has multiple debit cards in his name and the highest card level is a general card passbook, if the assets fail to meet the prescribed standard (the average monthly equity assets of the customer are 1,000 yuan), Ping An Bank will charge a monthly general card account management fee of 2 yuan for each card passbook;

2.Gold card: If the highest level of the consumer's name is a gold card, if the assets fail to meet the specified standard (the average daily equity assets of any month in three months of each natural quarter are 50,000 yuan), Ping An Bank will charge a quarterly account management fee of 15 yuan;

3.Platinum.

If the highest level of the consumer's name is a platinum card, if the assets fail to meet the specified standard (the average daily equity assets in any month and month in three months of each natural quarter are 500,000 yuan), Ping An Bank will charge a quarterly account management fee of 60 yuan;

4.Diamond card: If the highest level of the consumer's name is a diamond card, if the assets fail to meet the specified standards (the average daily equity assets in any month and three months in each natural quarter are 2 million), Ping An Bank will charge a quarterly account management fee of 90 yuan;

5.Black Diamond Card: If the highest level of the consumer's name is a Black Diamond Card, if the assets fail to meet the specified standards (the average daily equity assets of the vertical faction family in any month and month are 2 million in the remaining three months of each natural quarter), it shall be charged quarterly

$150 quarterly account management fee.

No.

Ping An Bank. Account management fee for gold card holders and above: for diamond cards and platinum cards of our bank.

For gold card customers whose personal financial assets under their name (all personal accounts in the Bank are not counted together) do not meet the standard, the Bank will charge the corresponding account management fee, which is as follows: Diamond Card Holders: RMB 90 per quarter; Platinum Cardholders:

RMB 60 per quarter for customers; Gold card holders: RMB 15 per quarter. The account management fee for VIP card holders has been adjusted from RMB30 per quarter to RMB15 per quarter.

Gold card and above cardholders can be exempted from the corresponding gold card and above account management fees if they meet one of the following conditions: (1) the personal financial assets under the cardholder's name meet the corresponding standards; (2) the first natural season of the customer's new card opening; (3) The personal loan balance of cardholders reaches the following criteria (the discount is as of December 31, 2012): the personal loan balance of Diamond Card holders at the end of the quarter of the Bank.

Reaching RMB 4 million (inclusive) or more; Customers holding platinum cards have a loan balance of RMB 2 million or more at the end of the quarter; Gold card holders have a personal loan balance of RMB 600,000 or more with our bank.

Account Management Fee: Ordinary Card: If you have more than one debit card in your name.

And the highest card level is a general card passbook.

If the assets do not meet the specified standards (the customer's monthly average financial assets.

1,000 yuan), our bank charges 2 yuan per month for each card account management fee; Gold Card: If the highest level under your name is a Gold Card, if the assets fail to meet the specified standards (the last three spring return months, the average daily financial assets of 50,000 yuan in any month), our bank will charge the corresponding account management fee of 15 yuan on a quarterly basis; Platinum.

If the highest level under your name is a platinum card, if the assets do not meet the specified standard (the average daily financial assets of 500,000 yuan in any month in the last three months), our bank will charge a corresponding account management fee of 60 yuan on a quarterly basis; Diamond Card: If the highest level under your name is a Diamond Card, if the assets fail to meet the specified standards (in the last three months, the average daily financial assets of any pickpocket are 2 million per month), our bank will charge a corresponding account management fee of 90 yuan on a quarterly basis; Black Diamond Card: If the most senior level in your name is a Black Diamond Card, if the assets fail to meet the specified standards (the average daily financial assets in any month in the last three months are 2 million), you will be charged a corresponding account management fee of 150 yuan on a quarterly basis.

However, the nuclear Linghuai only charges an account management fee, and does not charge an annual fee. Small Account Management Fee.

It is an account management fee that the bank charges a certain amount of monthly fees for those accounts with an average daily balance of less than a certain amount. Generally, each bank has this charge, and the specific amount is different. Annual card fee.

It refers to the fixed annual fee charged by China's commercial banks for bank accounts. The annual fee for the bank card is charged once a year, and the bank deducts it from the account. The annual bank card fee and small account management fee can be cancelled, but each bank has the same ID card.

The annual fee and small account management fee of one bank card can only be cancelled, and the annual fee of other bank cards under the name will be charged as normal.

In accordance with the central bank. As of December 1, 2016, the same person can only open one Type I account in the same bank. If a Type I account has already been opened and needs to open a new account, it shall open a Type II account or a Type III account.

The Type I account in the personal settlement account is the account opened by the current individual at the bank counter and verified on the spot, which has full functions. Type II and III accounts are bank accounts opened through electronic channels such as bank counters or the Internet, which have limited functions and need to be bound to use with Type I accounts.

The data of small account management fees of banks in Chinese mainland at the beginning of 2010 are as follows:

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

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

3. Jilin Bank changed friends.

From September 1, 2009, new accounts opened with less than 100 yuan will be charged a small account management fee of 3 yuan per quarter.

4. China Construction Bank: The object of CCB's small-amount account management fee is an individual current deposit account (including long-term dormant accounts, excluding quasi-credit cards) with an average daily deposit balance of less than RMB 400 (exclusive) during the statistical period.

and credit card account), $3 per household per quarter, charged quarterly;

5. Bank of China: If the average daily balance is less than 300 yuan, a small account management fee of 3 yuan will be charged quarterly; If the account balance is 600 on the same day, it will be counted as two days.

Yes, the specific fees are as follows:

1. Puka: The average daily financial financing stove in the natural month is only 1,000 yuan, and the monthly card is 2 yuan (the account management fee is exempted if there is only one Puka passbook);

2. Gold card: natural quarter, the average daily financial assets of any natural month and month are 50,000 yuan, and 15 yuan per quarter for customers;

3. Platinum card: natural quarter, the average daily financial assets of any natural month and month are 500,000 yuan, and 60 yuan per quarter for customers;

4. Diamond card: natural quarter, the average financial assets of any natural month and month are 2 million yuan, and 90 yuan are quarterly customers;

5. Black Diamond Card: Natural quarter, the average daily financial assets of any natural month and month are 2 million yuan, and 150 yuan are quarterly customers.

If you need to consult Ping An Bank, you can click the link below to select the **customer service icon in the upper right corner of the homepage, or follow Ping An Bank's WeChat*** (Pingan Bank) for consultation.

The small fee of Ping An debit card is 2 yuan per month. Those who meet the following conditions can be exempted:

1. Ordinary customers with an average monthly deposit of more than 1,000 yuan in ordinary card accounts are exempted;

2. The account of paying wages on behalf of the company (the account that has the account of the salary business of paying the mu for 3 consecutive months before the month of self-deduction) is exempted; Ping An Life account is exempted;

3. Retirement accounts, subsistence allowance accounts, medical insurance accounts, unemployment insurance accounts, and housing provident fund accounts that have been signed and opened are exempted;

4. The account that has a collection and payment transaction in the month of signing the contract and deducting the fee is exempted, specifically: electricity fee, pipeline gas fee, water fee, city fee, long-distance fee, moving stool fee, data communication fee, network usage fee, personal insurance fee, property management fee, cable electric fee, building management fee;

5. Wealth management: contracted third-party depository account, treasury bond account, B-share account, bank-futures transfer account, ** trading account; **Trading accounts and foreign exchange trading accounts are exempted.

1.If Ping An Bank owes an account management fee, you should contact the bank's customer service or go to the bank counter for consultation and resolution.

2.The reason is that the bank management fee is charged according to a certain percentage according to the bank's regulations, and if the funds in the account are insufficient, the bank may suspend the collection of management fees, but will require to make up the arrears after the expiration.

3.The solution includes timely payment of arrears and negotiation with the bank to postpone payment.

Until the problem of arrears is resolved in a timely manner, Brother Pong should refrain from continuing to use the account for transactions to avoid further arrears.

At the same time, it is also necessary to pay attention to the relevant policies and regulations of the bank in order to better understand the charging standards and requirements of account management fees.