Which banks are free for SMS notifications?

Balance change reminder service means that after customizing the service, when depositing and withdrawing, transferring and remitting, swiping card consumption or investment and financial management, as long as there is a change in the account funds, users can receive the mobile phone SMS reminder service at the first time to understand the changes in their account funds at any time.

Features and benefits of Balance Change Alerts.

1. Real-time SMS, knowing at a moment: whether it is deposit and withdrawal, transfer and remittance, card consumption or investment and financial management, as long as the account funds change, the user can receive the SMS reminder at the first time.

Free of charge when you don't have an SMS notification from your bank, unless it's a credit card delinquency notification. Because the SMS notification service is linked to ** bank, it is impossible to be free, at least not for a period of time.

There's no such thing as free, you just don't have to spend as much as you can on the card.

All of them have to be collected, but some banks do not accept some cards.

Certain small banks, such as Rural Commercial Bank.

In life, you must have such a situation, scan the code to pay for a cup of milk tea with a bank card, and immediately receive a message on your mobile phone, what is the message? That's right, it's the card record information you just made the purchase. Will this quick and convenient notification of bank card information get your praise?

Do you feel the need to activate bank card notifications?

So is it necessary to activate bank card SMS notification? The answer is: it is necessary to open it!

First of all, open bank card SMS notification, you can notify the consumption of bank cards anytime and anywhere, and real-time notification, to a large extent to prevent your bank card from being stolen, if you find that your bank card has abnormal consumption, you can also notify in time through SMS, and the owner of the bank card can also respond in time, such as freezing the bank card, if it is a large amount of consumption, you can call the police in time, which can also increase the probability of money being recovered. Secondly, for people who have bookkeeping habits, SMS is also a daily consumption record, which is not only convenient but also has a time record on it when it is recorded in a paper book, which is concise and clear. Finally, I believe that everyone has a lot of business trips, in most cases, the company will reimburse the cost of business trips, most of the time it is credit card consumption, at this time there are SMS records, it is particularly useful, SMS as a voucher for company reimbursement.

So there is another question, is the SMS notification for opening a bank card free? The answer is: no.

Because of the need for the relay of the communication company, the bank's SMS service cannot be free. Take the text messages of our own mobile phones as an example, we send messages, and we also need the relay of the communication company, so we also charge for sending messages to others, but we don't have to worry too much, don't be afraid of the high cost of opening SMS notifications for bank cards, in fact, the charges of each bank are different, but the difference is not much, they are a few dollars a month.

In fact, it is necessary to open the SMS notification of the bank card, and the cost of a month is about 2 yuan 5, which is actually relatively cheap, and you will receive a notification as long as you use the money of the bank card, which is also more reasonable.

It is very necessary to open the SMS notification of the bank card, because if there is a change in your bank card, you will be notified by SMS, which is not free, and it seems that two yuan will be deducted every month.

I think of course it is necessary to open it, but there is a fee to open it, 20 yuan a year.

The cost of SMS notification service is different for different banks, and under normal circumstances, the cost of SMS notification is charged on a monthly basis, including 2 yuan per month for Agricultural Bank of China, 3 yuan per month for Bank of China, and 3 yuan per month for Postal Bank. Over the course of a year, the cost of bank card SMS notification service ranges from 24 yuan to 36 yuan, which is subject to the bank's regulations, and some banks are free of charge for SMS notification service.

Extended Materials. 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 is approved by commercial banks (including postal financial institutions) to be issued 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 has made the dream of a "check-free, cashless society" a reality.

Since the 70s of the 20th century, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has been expanding. Not only did it reduce the circulation of cash and checks, but it also made a fundamental change in banking operations due to the fact that it broke through the limitations of time and space. The application of the automatic bank card settlement system will make the arrival of a "check-free, cashless society" a reality in the near future.

Yang Zaiping, full-time vice president of the China Banking Association, said that by the end of the first quarter of 2010, the number of cards issued in China reached 100 million, a year-on-year increase. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 2011, the cumulative number of bank cards issued exceeded 100 million, a year-on-year increase of 18%.

The consumption of credit cards exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of the total retail sales of consumer goods, an increase of about 6 percentage points over 2010. In 2011, more than 10,000 new convenient payment outlets were added across the country, 10,000 new direct connection merchants were added to secondary cities, and 210,000 POS machines and tools, reaching 1.08 million households and 10,000 units respectively.

In the whole year, the inter-bank transactions of bank cards reached one trillion yuan and 100 million yuan, accounting for 52% of the national inter-bank bank transactions, respectively, and the contribution of the transaction amount increased by one percentage point compared with the beginning of the year.

China UnionPay and other commercial banks have launched the Funong Card, which has been issued by 28 institutions in 28 provinces across the country, and the annual number of cards issued has exceeded 5 million, becoming a service"Three rural"new platform.

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.

The cost of SMS notification from Bank of China is about 2 yuan per month.

1.Bank of China's SMS service fee is different for different channels. Bank of China SMS Notification Charges:

When charged monthly, the charging standard per account per mobile phone number is generally not more than 3 yuan per month, which is generally 2 yuan per account per mobile phone number per month; When charged annually, the charging standard for each account per mobile phone number generally does not exceed 36 yuan per year. Because there are differences in the charging standards of each branch of Bank of China, the specific charging standards need to be consulted with the acceptance outlets.

2.Bank of China's SMS notification fee is one of the financial services provided by Bank of China to ensure the safety of customers' personal funds. Under the premise that the customer voluntarily signs the "Personal Account Notification Service Agreement" with the bank, the bank will automatically send SMS reminders according to the changes in the funds in the customer's personal account, and has the right to deduct the service fee from the customer's personal account.

There are two ways to charge the SMS service fee of Bank of China, one is charged on an annual basis, which generally does not exceed 36 yuan per year; There is also a monthly fee, which is generally not more than 3 yuan per month.

Extended Information:1How to activate Bank of China SMS notification:

1) Activate SMS reminder service through Bank of China counter.

3) SMS reminder for mobile banking. Log in to mobile banking, enter the account management page, then click on the three dots in the upper right corner to enter, find "Account Movement Notification", and click "Open SMS Notification" to confirm.

2.Bank of China's SMS service includes:

1) Real-time transaction notifications. Every time you swipe a card or handle a cash advance transaction, an SMS notification will be sent in real time to confirm;

2) Automatic repayment result reminder. After the autopay repayment date agreed with you is debited, no matter whether the deduction is successful or failing, you will be notified by SMS;

4) In addition, Bank of China has provided "Card Discount Reward Notice" and "Card Use Tips".

The cost of SMS notification service is different for different banks, and under normal circumstances, the cost of SMS notification is charged on a monthly basis, including 2 yuan per month for Agricultural Bank of China, 3 yuan per month for Bank of China, and 3 yuan per month for Postal Bank.

Asking for money. At present, all banks are the same, and there is an information fee for opening bank card SMS reminders. The charging standards of various banks are different, some are charged on a monthly basis, and some are charged on a quarterly basis, usually ** is generally 2 to 3 yuan per month.

For example, the SMS reminder of ICBC debit card will be charged 2 yuan per month, while the credit card can receive SMS notification for free, and there is no limit on the amount; Bank of China, Agricultural Bank of China and China Construction Bank ordinary debit cards all charge a fee of 3 yuan per month, in terms of credit card reminders, Bank of China and Agricultural Bank of China are currently free, and China Construction Bank credit cards can be free of charge if they are more than 500 yuan.

Minsheng Bank's ordinary debit card only needs to pay a handling fee of 2 yuan for opening, and there is no need to pay the monthly fee for SMS reminders in the later stage, as for its credit card, it charges a monthly handling fee of 3 yuan, but if it is a wealth management card or salary card of the bank, it can be free.

Most banks need to bring their ID cards and bank cards to the bank counter for SMS notification business, and if there are multiple bank cards, they need to go through the opening procedures one by one, and they are charged one by one.

2. Select the username to log in, fill in the username, password and verification code;

3. Select "Message Service" in "Customer Service" and click "Contract";

4. Click the "Activate" button, fill in the personal information, and click "Submit";

5. After confirming the information, enter the password, and the short message can be signed successfully.

Of course, you can, but some banks will charge information fees, and some banks will not charge information fees.

Is there a charge for credit card SMS notifications? Many cardholders enjoy the service of credit card spending reminders, but they are unaware of the fact that it is actually a fee-based service. Credit card SMS notification fee refers to the fee charged by the bank to the cardholder after the cardholder activates the credit card SMS notification.

With CCB, Bank of Communications and China CITIC Bank.

After the introduction of SMS notification service fees, more and more banks have begun to charge SMS notification service fees or raise the "threshold" of free SMS.

CCB Credit Card.

SMS reminders for consumption changes of 500 yuan and above are not accepted, and SMS reminders for consumption changes below 500 yuan need to be charged, and the charging standard is 3 yuan per month;

Bank of Communications credit card.

4 yuan per month, charged once a quarter, official card.

Platinum card is free;

GF Credit Card: There is no charge for SMS reminders of consumption changes of 300 yuan and above, and the instantaneous communication function needs to be opened for consumption changes of less than 300 yuan, and the charging standard is 3 yuan per month;

IB Credit Card: The standard of SMS notification for ordinary card is 3 yuan per month, which is charged quarterly, and the credit card of gold card and above is free of charge;

CITIC Credit Card.

There is no charge for SMS reminders of consumption changes above 200 yuan, and SMS notifications for consumption changes below 200 yuan need to open a "0 starting point" SMS notification, which requires a charge, and the charging standards are 36 yuan a year and 48 yuan a year;

Postal Savings Bank credit card: There is no charge for SMS reminders of consumption changes of 500 yuan and above in ordinary cards, and changes in consumption of less than 500 yuan need to open the instantaneous pass function, which needs to be charged, 3 yuan per month; There is no charge for credit cards above the Gold Card.