Questions about bank transfer fees

SPD Bank's non-local deposit transfer fees are basically the same as those of ICBC. Taking ICBC Peony Lingtong Card as an example, the handling fee for cash withdrawal and transfer in other places is charged at 1% of the amount, with a minimum of 1 yuan and a maximum of 50 yuan. 50% discount on cash withdrawal fees for "Elite Management Account" customers; The handling fee for non-local deposits and transfers is charged according to the amount, with a minimum of 1 yuan and a maximum of 50 yuan.

Elite Finance Accounts are free of charge for non-local deposits. Although ICBC's remote access and transfer fees are 1%, which is higher than that of SPD, both are capped at a maximum of 50 yuan. When the amount of cash withdrawn from another place exceeds 10,000 yuan, the handling fee charged by SPD and ICBC is 50 yuan.

In other words, only if the amount of cash withdrawn in other places is less than 10,000 yuan, it is cheaper to use a SPD bank card than ICBC; The Bank of China (601988) Great Wall Card non-local deposit fee standard is the deposit amount, the minimum is 5 yuan, and the same is true for the Agricultural Bank of China, which is lower than the fee standard of Shanghai Pudong Development.

If you deposit or withdraw money in other places, you will not be charged any handling fee for depositing and withdrawing money in the province with a Great Wall electronic debit card or an ordinary current savings passbook of Bank of China. In terms of non-local withdrawals, ICBC, CCB and Bank of Communications are not divided into provinces and provinces, and the handling fee of ICBC and Bank of China is 1% of the amount of money, with a cap of 50 yuan; construction line, but no cap; The exchange bank is 1%, with a cap of 100 yuan. Therefore, ICBC, Bank of China and CCB have the advantage of non-local withdrawals, but according to the specific withdrawal amount, such as 1,000 yuan, 2,000 yuan, 5,000 yuan, 8,000 yuan, and 10,000 yuan as an example, the handling fees charged for non-local withdrawals in CCB are 5 yuan, 10 yuan, 25 yuan, 40 yuan, and 50 yuan respectively; In ICBC and Bank of China, a handling fee of 10 yuan, 20 yuan, 50 yuan, 50 yuan, and 50 yuan will be charged accordingly.

Therefore, it is appropriate to handle this business in CCB for less than 10,000 yuan, and it is more appropriate to choose Bank of China and ICBC with a cap for more than 10,000 yuan. In terms of non-local deposits, the handling fee of ICBC and CCB is all the amount of money, with a cap of 50 yuan; The Bank of Communications is 5/10,000 of the amount of money, but within 20,000 yuan, it is 10 yuan, and the cap is 50 yuan. Therefore, with 2,000 yuan as the boundary, it is appropriate to choose ICBC and CCB below 2,000 yuan, and it is appropriate to choose Bank of Communications for this business above 2,000 yuan.

Generally one percent... If the amount is large, there is a cap.

One hundredth, the lowest three pieces, the highest 50

Transfers will inevitably incur handling fees, especially for inter-bank transfers, which vary from bank to bank and charge for transfers through different channels. Generally speaking, the same bank does not charge a handling fee for intra-city transfers, and the transfer fees of the same bank in different regions will be different.

Extended information: 1. Counter inter-bank transfer.

Industry and commerce: 1% of the transfer amount, with a minimum of 1 yuan and a maximum of 50 yuan.

Agricultural Bank of China: transaction amount; The minimum is 1 yuan, and the maximum is 35 yuan.

Bank of China: less than 10,000 yuan (including 10,000 yuan), more than 10,000 yuan.

CCB: The minimum transaction amount is 2 yuan and the maximum is 25 yuan.

Bank of Communications: The minimum transfer amount is 2 yuan and the maximum is 50 yuan.

Investment: 1% of the remittance amount will be charged, with a minimum of 10 yuan and a maximum of 25 yuan.

GF: Each transaction will be charged a remittance fee, plus a deposit fee of 5/10,000, with a minimum of 1 yuan and a maximum of 20 yuan. Everbright: The handling fee is the remittance amount, with a minimum of 5 yuan and a maximum of 15 yuan. 2. Inter-bank transfer through online banking.

ICBC online banking inter-bank transfer fee is 1% of the amount, with a minimum of 1 yuan and a maximum of 50 yuan;

Agricultural Bank of China will charge 2 yuan for inter-bank transfers of less than 5,000 yuan, 3 yuan for 5,000 yuan to 50,000 yuan, 5 yuan for 50,000 yuan to 100,000 yuan, and 8 yuan for more than 100,000 yuan; If the inter-bank transfer fee of CCB is the amount, the minimum is 2 yuan, and the maximum is 25 yuan; There are seven banks with UnionPay cards that do not charge fees for online transfers, namely CCB, China Merchants Bank, Shenzhen Development Bank, CITIC, Everbright, Minsheng and Shanghai Pudong Development Bank. As long as you have a debit card from any of these 7 banks, you can make a free transfer to any of these 7 banks.

Nowadays, the transfer method is more and more convenient, but because the inter-bank transfer is a different bank and may be a remote transfer, the time to arrive will be different due to different banks or different regions and times. Generally, inter-bank transfers are divided into large and small amounts, and the time period is divided into morning, noon and evening, if you are remitting more than 20,000 yuan and remitting in the morning.

You can almost get to each other in the afternoon, and if you send it in the afternoon, you can get there the next day. If you have a small amount of less than 20,000 yuan, it usually arrives the next day, and if the efficiency of the initiating bank or receiving bank is low, it may be a day late. Using online banking, personal online banking professional version of China UnionPay will arrive in time under normal conditions for 24-hour transfers, and inter-bank remittances can arrive within 24 hours under normal circumstances.