Bank of China, Agricultural Bank, Industrial and Commercial Bank, China Construction Bank?

1. What are the remittance fees of these four banks?

Bank of China: cash remittance in the province, according to five thousandths of the remittance amount, with a minimum of one yuan and a maximum of fifty;

Charge standard of RMB electronic remittance fee

Remittance amount charging standard

1 ten thousand yuan (including 1 ten thousand yuan) 5 yuan/pen.

More than RMB 65,438+100,000 yuan each-65,438+100,000 yuan10 yuan

65438+ 10,000 yuan or more-500,000 yuan each 15 yuan

More than 500,000 yuan-6,543.8+0,000 yuan 20 yuan/pen.

The part exceeding 1 10,000 yuan shall be charged at 0.2 ‰ of the remittance amount, with the maximum not exceeding 200 yuan.

Agricultural Bank:

5‰ of the transfer and remittance amount in the province, with a minimum of 10 yuan and a maximum of 50.

5‰ of the amount of transfer and remittance outside the province, with a minimum of 10 yuan and a maximum of 60.

5‰ of the cash remittance amount in the province, with a minimum of 1 yuan and a maximum of 50.

5‰ of the cash remittance amount outside the province, with a minimum of 1 yuan and a maximum of 100.

ICBC Bank: Transfer and cash remittance are charged at 1%, ranging from 2 yuan to 50 yuan.

2. If the online bank built by China Agriculture, Industry and Commerce Company is opened, how will they charge? How much is the online banking remittance fee?

Bank of China: Free for 3 years before the end of June. After the opening of 60 yuan, the annual fee is 20 yuan;

Service type charging standard

Free transfer within the province of BOC.

Inter-provincial RMB real-time transfer within BOC

(Transfer between bank card and passbook) 0.5 yuan handling fee+RMB electronic remittance handling fee × 130%.

Inter-provincial RMB real-time transfer within BOC

0.6‰ of the transfer amount (transfer between bank cards), with a minimum of 1 yuan and a maximum of 12 yuan.

The post and telecommunications fee of the inter-provincial real-time foreign currency transfer amount of China Bank 1.3‰ (lowest 26 yuan, highest 260 yuan)+10 shall be uniformly converted into equivalent foreign currency according to the foreign exchange quotation of the bank on that day.

0.5 yuan fee for domestic inter-bank remittance+RMB electronic remittance fee.

Agricultural Bank:

To open online banking, you need to buy the "Kabao" brand. There are different prices in 25 yuan, 28 yuan and 35 yuan. Each 2 yuan can be used 1 1,000 times. There is no annual fee for the time being. The online transfer fee is: there is no charge in the same city, and the domestic transfer remittance is charged at 4‰ of the amount, with a minimum of 1 yuan and a maximum of 20 yuan.

ICBC Bank:

You need to bind a scratch card or a U shield to open it. Different brands have different prices, so there is no charge for the time being.

There is no charge for remittance business in the same city, and 0.9% of remittance amount is charged for off-site and inter-bank business, with the lowest 1.8 yuan and the highest 45 yuan per transaction. Inter-bank remittance,

3. Is there a mobile banking service in China Agriculture, Industry and Commerce Construction? Is there a charge for opening? How much is the monthly function fee? How much is the remittance fee through mobile banking?

Bank of China:

There is no charge for opening the cabinet, and a password device is needed; There is no charge for transfer and remittance in the province, and the transfer and remittance outside the province is 0.6‰ of the amount, with a minimum of 1 yuan/transaction and a maximum of 12 yuan/transaction, and there is no charge for inter-bank.

Agricultural Bank:

There is no charge for opening, and there is no handling fee for transfer and remittance in different places in the same city, but the maximum transaction amount is 1000 yuan, and the maximum daily transaction is 3000 yuan.

ICBC Bank: There is no charge before 2010/231,and the annual fee is 60 yuan. The remittance handling fee is charged at 0.2% of the remittance amount, with a minimum of 0.4 yuan and a maximum of 10 yuan.

4. At present, all banks have small account management fees, but the starting point of China Agricultural Construction is different. What is the starting point of small account management fees in banks? Are there any accounts that don't charge small account management fees? If yes, what kind of account can enjoy the account management fee exemption?

Bank of China:

If the card is replaced by one, there is no small account management fee, and the average daily passbook is 3 yuan, less than 500.

Agricultural Bank:

All accounts are based on the average daily balance of 300 yuan, which is lower than that of 300 yuan, and 3 yuan small account management fee is charged for one quarter. Functional accounts (salary, insurance, fund, etc.) are free of charge. ), but the functional account transaction must occur within the quarter, otherwise the expenses will be deducted from the general account.

ICBC Bank:

All accounts are based on the average daily balance of 300 yuan, which is lower than that of 300 yuan, and 3 yuan small account management fee is charged for one quarter. Functional accounts (salary, insurance, fund, etc.) are free of charge. ), but the functional account transaction must occur within the quarter, otherwise the expenses will be deducted from the general account.

5. How do you charge for the savings cards of ABC, ICBC and CCB? Is there a short message service? How much do you charge?

Bank of China:

Collect the annual fee for the first year 10 yuan, the charge for card swiping is 5 yuan, and the initial deposit amount is 1 yuan.

Agricultural Bank:

There are two kinds of cards: Jinsui card and Starlight card. The card handling fee is 5 yuan 10 yuan, and the minimum deposit amount is 1 yuan.

ICBC Bank:

Annual fee for first card application 10 yuan, 5 yuan fee 10 yuan.

6. How do the four banks of China Agriculture, Industry and Commerce Construction Company handle VIP cards and what conditions can they handle them? What benefits will you enjoy if you hold a VIP card?

Bank of China:

VIP cards are divided into gold cards and silver cards, and the condition for handling silver cards is 200,000 per day; Gold card day 500 thousand.

Preferential treatment: giving priority to business and professional financial management, holding a gold card can enjoy VIP service for two people at domestic airports, and a silver card can enjoy VIP service for 1 person; There is no handling fee for domestic deposit and withdrawal of gold cards, and the maximum transfer and remittance is 5 yuan, with 50% discount for silver cards.

Agricultural Bank:

VIP cards are divided into gold cards, platinum cards and masonry cards. The daily average of gold card, platinum card and masonry card is 6.5438+million, 6.5438+million and 5 million respectively.

Discount: Gold card enjoys 50% discount on charging items, Platinum card does not charge for deposit in different places, 50% discount on withdrawal, and brick card charges are free.

Industrial and Commercial Bank of China

ICBC Bank:

If the average daily balance for three months is more than 200,000 yuan, you can apply for a financial gold card.

Discount: You can enjoy the discount of the charging items.

7. Is there a short message service? How much is the SMS charge?

Bank of China:

Only credit cards have SMS reminders, and there is no charge. Ordinary debit cards and passbooks do not have this function.

Agricultural Bank:

There is SMS notification service, and the charging standard is 2 yuan every month, not including the year, and there is no limit on the number of SMS messages.

ICBC Bank: There is SMS notification service, and the charging standard is 2 yuan every month and 24 yuan every year.

8. What short-term wealth management products are there?

Bank of China:

The recently released US dollar wealth management products start at US$ 8,000 with a term of three months, and the expected income is 0.2%-2.5%.

RMB financing, 1 1 day 2 1 day 4 1 day.

50,000 1.70% 1.72% 1.75%

200,000 1.75% 1.77% 1.80%

500,000 2.00% 2.05% 2. 10%

Agricultural Bank:

Treasury bonds 1 year and 3 years, with interest rates of 2.6% and 3.37%.

The principal and interest are divided into 7 days (1.7%), 14 days (1.85%), 28 days (2.00%), 63 days (1.9%) and 9 1 day (.

ICBC Bank:

Tong Ling Express personal ultra-short-term RMB wealth management products, starting at 50,000 yuan, with no fixed term, and expected annual income of 1.45%.