How can different banks make transfers? Please, 3Q

The key depends on whether the transfer service is opened between banks.

Bank transfer operation method: 1. Use ATM machine to transfer: first insert the bank card at the ATM, enter the password, enter the interface, and click "Transfer Business"; Select "Transfer Out Account"; Enter the card number of the bank card you want to transfer and enter the amount to be transferred; To confirm the transfer information, click "Confirm".

3. To operate through the bank counter, you need to fill in the transfer form, fill in the information completely, and go to the counter to make a transaction.

Transfer refers to a bank currency settlement method that does not directly use cash, but transfers money from the payment account to the receiving account through the bank to complete the currency receipt and payment. It has gradually developed along with the development of the banking industry. When the settlement amount is large and the space distance is long, the use of transfer settlement can be more secure and fast.

There are many ways to transfer and settle, which can be mainly divided into two categories: intra-city settlement and non-local settlement. Intra-city settlement includes check settlement, payment power of attorney settlement, intra-city collection and acceptance settlement, collection of Wusuiqiao trillion acceptance settlement and limit check settlement, etc.; Non-local settlement includes non-local collection and acceptance settlement, non-local entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.

If you want to waive the handling fee for inter-bank transfer, it is recommended that customers transfer through the channel of the mobile banking client, because most banks have waived the inter-bank transfer fee for mobile banking. However, if you transfer money through online banking or go to the counter of a business outlet, you will generally be charged a certain handling fee.

Of course, some banks stipulate that online banking inter-bank transfers below a certain amount can be free of charge. For example, as long as the transfer amount of CCB is less than 5,000 (inclusive), there is no handling fee for inter-bank transfer through online banking.

In accordance with the provisions of the Bank Settlement Measures, except for those that can be settled in cash as stipulated in the Interim Regulations on Cash Management, all commodity transactions, labor services, fund allocations, credit exchanges, etc. between enterprises, institutions, organs, organizations, and military units shall be settled by bank transfer in accordance with the provisions of the Bank Settlement Measures. The reason why the state encourages the implementation of bank transfer settlement is because:

1) The implementation of bank transfer settlement is conducive to the state to regulate currency circulation. The implementation of bank transfer settlement, the use of bank credit receipts and payments instead of cash circulation, so that the economic exchanges between various units, only the business below the starting point of settlement and within the scope of cash expenditures to use cash, narrowed the scope and quantity of cash circulation, so that a large amount of cash out of the field of circulation, thus creating conditions for the state to organize and regulate the amount of money in circulation in a planned way, to prevent and curb inflation.

2) The implementation of bank transfer settlement is conducive to accelerating the turnover of materials and funds. Bank transfer settlement is achieved through the centralized clearing of funds by the bank. Banks use a variety of settlement vouchers, bills in the bank account to transfer funds directly from the payment unit (or individual) to the receiving unit (or individual), regardless of the size of the money, complex, and regardless of the distance, as long as it is above the starting point of settlement, can be handled in a timely manner through the banking institution, the procedures are simple, eliminating the use of cash settlement when the money is transported, counted, kept and other procedures, convenient and fast, thereby shortening the clearing time, accelerating the turnover of materials and funds.

3) The implementation of bank transfer settlement is conducive to the accumulation of idle funds and the expansion of bank credit funds.

Due to the implementation of transfer settlement, the temporarily unused funds of each unit are deposited in their bank accounts, and these funds have become one of the important bank credit funds. In addition, the implementation of transfer settlement, each unit in the process of settlement, the payment unit has been paid, but the voucher is still being transmitted, so the collection unit has not been recorded, so the formation of funds in transit, is also the bank credit funds.

4) The implementation of bank transfer settlement is conducive to the supervision of the economic activities of various units by banks. Through centralized transfer settlement, banks will be able to have a comprehensive understanding of the economic activities of various units, supervise all units to conscientiously enforce financial and economic discipline, prevent the occurrence of illegal activities, and promote all units to better abide by financial and economic laws and disciplines.

It can be achieved through Alipay with the following steps:

1. Open the Alipay homepage, click and select "Transfer", as shown in the red box in the figure below;

2. Select "Go to Bank Card" in the transfer menu, as shown in the red box below;

3. Enter the bank card information to be transferred, as shown in the red box below;

4. Enter the transfer interface and fill in the amount to be transferred, as shown in the red box in the figure below;

5. Make a transfer and select "Payment Method", as shown in the red box in the figure below;

6. Select the bank card you want to transfer out, as shown in the red box below.

You can transfer, if you have the Bank of China's online banking, then you can choose inter-bank transfer on the Bank of China's online banking page, and then choose the post, remember to choose the right bank when choosing the opening bank, the handling fee is a must, do not most of the bank online banking transfer has a discount, such as CCB is three folds. If there is an error in the transfer, the amount will be transferred back to the card from which it was transferred. There's nothing to say about the wrong account.