Which bank does not charge an annual fee, and which bank does not charge an annual fee for bank card

The Postal Savings Bank of China is free to open an account, there is no annual fee, but the outlets of the Postal Savings Bank are a little small, but don't worry, you can open online banking, directly from the online transfer, shopping, payment of phone bills, water and electricity bills, etc.

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.

Savings card: At present, medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, and China CITIC Bank have no annual fees.

Credit card: Normally, there is an annual fee, but there are generally preferential policies, such as the number of consumptions, the amount of consumption, etc., to reduce the annual fee for these activities.

Further information: There are generally two types of common bank cards: debit cards and credit cards. The former is a debit card and the latter is a credit card.

1) Bank card application.

Applicants need to bring their valid documents (ID card or copy of ID card) to the bank counter to go through the relevant procedures, and to apply for a credit card, they need to have a certificate of income or personal assets and other materials.

The process of applying for a credit and debit card is not the same. When applying for a credit card, you need to fill out an application form, in which the information must be true, and three of the information are indispensable. Namely:

Proof of personal identity, proof of residence, proof of personal income. 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;

Applying for a debit card is relatively simple, you only need to bring your valid documents, mainly ID cards, to the opening bank to fill out the application form, and the card can be issued to the applicant at that time.

2) Report the loss of the bank 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.

3) Precautions for use.

1. When entering the password, pay attention to cover it with your hands, if you find that there is an abnormal situation in the password shield and card protection slot of the ATM machine, do not use it for the sake of safety, and inform the bank immediately;

2. In order to prevent fake ATMs, customers should try to choose self-service banks with conspicuous signs and use ATMs under the bank's video surveillance;

3. It is best to store the bank card and ID card separately, do not lend the bank card to others, do not disclose the bank card number and password at will4. When swiping the card for consumption, do not let the bank card out of sight, pay attention to the number of card swipes of the cashier, and check whether the amount on the purchase order is correct and whether it is my card when you get the purchase order and card;

5. Open the mobile phone SMS service, keep abreast of account changes, and call the bank immediately to report the loss once abnormal transactions are found;

At present, the banking institutions that do not charge annual fees mainly include:

China Everbright Bank, CITIC Industrial Bank, China Minsheng Bank, Hengfeng Bank, Shanghai Pudong Development Bank, Industrial Bank, Shenzhen Development Bank, Guangdong Development Bank, Credit Cooperatives, etc.

1. Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to the public. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system makes this"No checks, no cash"The dream became a reality.

From August 1, 2017, the annual bank card fee management fee will be abolished, and some basic financial service fees of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)" On August 15, 2020, the company, Bacera Bank and China UnionPay jointly launched the first digital silver cover virtual bank card in China - QuickPass Card. On August 31, China UnionPay released its first digital bank card"UnionPay Borderless Card"。

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

2. Debit card, debit card is divided into transfer card, special card, and stored value card 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.

3. Credit cards, credit cards are 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.