Is there a handling fee for mobile banking transfer?

There is no handling fee for mobile banking transfer. In the Notice of the People's Bank of China on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks issued by the Central Bank, banks are required to charge fees for mobile banking transfer, which will be waived from 20 17 1 at the latest.

After the announcement of this notice, all five major banks indicated that they would exempt customers from handling fees for off-site transfer and inter-bank transfer through mobile banking.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

Connecting customers' mobile phones with banks through mobile communication network is a brand-new business product, which can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts to realize the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

Mobile banking consists of mobile phone, GSM short message center and banking system. During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network. After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message, and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system, and the bank interface system converts the processing result into the short message format.