How to cancel the bank card SMS fee?

How to cancel the annual bank card fee, management fee and SMS notification fee?

To cancel the bank card annual fee management fee, you need to apply actively. Before going to the bank to cancel the business, it is recommended to call the bank customer service phone to confirm clearly, so as not to make a trip in vain.

Little friends, did you go to the bank to cancel the annual fee and SMS notification fee?

Annual fees and small account management fees of large state-owned banks in China have always existed, but recently everyone can cancel them, which can save this part of the fees. Let's be specific.

1. What needs to be prepared

Original ID card, bank card. If you have time, you can copy your ID card yourself or directly at the bank. Anyway, it's free, and bank copying is often faster.

2. Banks line up.

Bian Xiao went to the bank for business, and they all rushed early, otherwise there would be a long queue. Usually, he will wait at the bank gate at 8: 50. After the bank opens, he will send out some numbers first, so you should be at the forefront, so that you can handle business faster.

3. Apply to cancel the annual fee and small account management fee.

In the bank, when handling business, the service personnel are told to cancel the annual fee and small account management fee. At this time, the service staff will handle it immediately, and the whole process is relatively fast, that is, it can be signed in a few minutes.

4. Only one bank card can be exempted under the same ID card.

When applying to cancel the annual fee and small account management fee, it should be noted that only one bank card can be exempted from the same ID card, and the second bank card of the same bank cannot be exempted from the annual fee and small account management fee, so the second bank card should be handled in another bank as far as possible.

5. Banks that can be exempted from annual fees and small account management fees.

At present, the banks I know that can be exempted from annual fees and small account management fees are large banks such as Agricultural Bank of China, China Construction Bank and ICBC. For details, please call the service number of the corresponding bank.

6. Pay attention to your sleep account.

If you are handling business, the bank service staff will inquire how many accounts you have opened. If it is a sleep account, you will be prompted to close the account and handle the sleep account as soon as possible.

On August 1 2004, the Measures for the Administration of Service Prices of Commercial Banks issued by CBRC and NDRC will be formally implemented. This time, the bank only reduced some debit card fees (excluding credit cards), including annual fees, cash withdrawal fees, SMS notification fees, transfer and remittance fees, and small account management fees. Many banks are soft-hearted, don't tell customers, and insist that customers take their ID cards to the counter to apply actively.

Annual bank fee 10 yuan, SMS reminder 2 * 12 24 yuan, insufficient account balance 1000 small management fee charged per quarter 3 yuan. It is also more than 40 yuan.

(See the bottom for specific policies, which will be implemented on August 1 and 20 14. )

According to the current general charging standard, many banks charge small account management fees for accounts with average daily balance below a certain amount (generally from 300 yuan to 500 yuan, and the standards of different banks are different), and according to the standards of 3 yuan every quarter, every year 12 yuan; In addition, in terms of annual fee, the standard of most banks is 10 yuan/year (some banks give free discounts in the first year and when the number of credit card spending meets the requirements). When the account management fee and annual fee are added together, each account will cost about one more year in 22 yuan. At present, these two fees can be cancelled in the bank to avoid unnecessary expenses. You have to go to the bank to apply for cancellation, the bank will not take the initiative to help you cancel, and the bank does not want to lose this income.

Note: A bank can only apply for one (such as social security card, medical insurance card, wage account, housing provident fund account and other cards are not exempted), and there is no restriction on whether you apply for a new card or an old card. After handling, zero handling fee can be realized.

How to handle it: bring your ID card and bank card and go directly to any outlet.

Any outlet can handle it. If the staff asks you to cancel the annual fee and small management fee at the bank, you can call the headquarters to complain.

Little friends, hurry to the bank counter with your ID card! ! !

A penny is money. There's no need to give it to them for nothing! !

Notice on printing and distributing the government guidance price and government pricing catalogue of commercial bank services

Development and Reform Price [2065438+04] No.268

Development and Reform Commission, Price Bureau, Banking Regulatory Bureau, policy banks, state-owned commercial banks, joint-stock commercial banks and China Postal Savings Bank of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning:

In order to meet the basic financial service needs of bank customers (including natural persons, legal persons and other organizations), safeguard their legitimate rights and interests, and promote the healthy and sustainable development of the banking industry, according to the Price Law and the Measures for the Administration of Service Prices of Commercial Banks, the Catalogue of Government Pricing for Government-Guided Prices of Commercial Banks (hereinafter referred to as the Catalogue) is formulated. Is issued to you, and the relevant provisions are hereby notified as follows:

First, the basic financial services provided by commercial banks to bank customers are managed by government-guided prices and government pricing. The basic financial services subject to government guidance and government pricing include some commercial banking services such as transfer remittance, cash remittance, cash withdrawal, bills, etc. The specific charging items and charging standards shall be implemented in accordance with the Catalogue.

2. If the first two transactions of a commercial bank each month do not exceed 2,500 yuan (including 2,500 yuan), the handling fee for withdrawing cash from the personal basic pension (including pension) account signed by the social insurance agency and the bank and from other places (including bank counters and ATMs) will be exempted.

Three, for bank customers' accounts (excluding credit cards) do not enjoy free account management fees (including small account management fees) and annual fees, commercial banks should provide them with accounts free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts) according to customers' applications.

Four, commercial banks to provide bank customers with account change SMS reminder service and charge fees, should be signed with bank customers through outlets or electronic channels in advance; No fees shall be charged if a contract has not been signed with a bank customer.

Verb (abbreviation of verb) The commercial banks mentioned in this notice refer to banking financial institutions established in accordance with the Commercial Banking Law and the Regulations on the Administration of Foreign Banks. This circular applies to domestic RMB business conducted by commercial banks. These Provisions shall apply to other banking financial institutions established within the territory of People's Republic of China (PRC) with the approval of the State Council Banking Regulatory Authority.

Six, the above provisions shall be implemented from August 20 14 1 day. If the previous relevant provisions are inconsistent with this notice, this notice shall prevail.

The competent price departments of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning are requested to forward this notice to commercial banks within their respective administrative areas and urge them to implement it.

National Development and Reform Commission (NDRC)

China Banking Regulatory Commission

20 14 February 14

Related news reports:

Source:/Cai Li /i 1 10440/

Go to the bank to cancel the annual fee and management fee. You won't cancel if you don't apply to the bank! Recently, such a message has been widely circulated on the Internet and in the WeChat circle. Can I really apply to cancel these two fees? Yesterday, the reporter interviewed a number of banks and learned that there is such a good thing. But you need to apply for it yourself. Basically, a bank can only handle one card for free.

The new free regulations have been implemented for more than half a year.

The reporter saw that this "fire" post originally said that since May 1 day this year, the Measures for the Administration of Service Prices of Commercial Banks issued by the China Banking Regulatory Commission and the National Development and Reform Commission have been officially implemented. This time, the bank only reduced some debit card fees (excluding credit cards), including annual fees, cash withdrawal fees, SMS notification fees, transfer and remittance fees, and small account management fees.

The reporter then checked the documents and found that the source of the above-mentioned "free" was actually the new regulations implemented by the National Development and Reform Commission from 2065438+August 1 2004, which cancelled some bank charges, including small account management fees and annual fees. It has been implemented for more than half a year now.

The new charging standard implemented on August 20 14 stipulates that if a bank customer's account (excluding credit card) does not enjoy the account management fee (including small account management fee) and annual fee exemption, the bank shall provide the account management fee (including small account management fee) and annual fee exemption account (excluding credit card and VIP account) to the customer upon application.

Yesterday, the reporter interviewed a number of banks and all said that it is indeed possible to cancel the bank card handling fee and small account management fee for one year, which is a "double exemption".

You need to apply to the bank yourself.

"But we don't know if we can cancel it. The bank has never informed us. " Ms. Liu was very surprised when she learned the news.

According to the current general charging standard, the small account management fee charged by banks for accounts with average daily balance below a certain amount (generally 300 yuan -500 yuan, with different standards for each bank) is usually about 3 yuan in one quarter, and the annual fee charged by most banks is 10 yuan/year. Many citizens often have accounts in a number of banks, which is not a small expense in one year. It is naturally a good thing to be able to reduce this cost.

In fact, there are not a few people like Ms. Liu who are surprised by such a "free lunch". The reporter randomly surveyed 20 citizens yesterday, but no one knew of such preferential policies.

"Only customers can apply for free, not the system automatically free." The banks interviewed all said. In other words, there is nothing wrong with the online rumor that "you won't cancel if you don't apply for a bank".

The reporter saw that the Measures for the Administration of Service Prices of Commercial Banks stipulates: "Commercial banks should provide accounts free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts) according to customer applications. "Therefore, it is not groundless for banks to provide free services only after customers apply. In addition, the bank did not take the initiative to publicize the notice, so many cardholders did not know that there was such a policy.

In this regard, citizens have expressed the hope that banks can take the initiative: "Now many people simply don't know that banks have this requirement, and I hope banks can take the initiative to cancel it for everyone." Some citizens also said that even if banks can't take the initiative to cancel, it is best to post a notice telling customers that there is such a policy.

Special reminder

Most banks need to apply at the counter.

Then, how do citizens handle the "double exemption" of bank cards?

Most banks said that they should go to the counter and bring their ID cards and bank cards. Only a few banks can apply over the counter or online. Take recruitment behavior as an example. After entering the popular version of personal online banking, enter "account management", and you will see options such as account fee management inquiry, and apply according to the prompts. The public may wish to call the relevant bank in advance to ask if they can apply online.

The bank only has a debit card to enjoy a free lunch?

Not absolute.

According to the Measures for the Administration of Service Prices of Commercial Banks, banks can provide citizens with free accounts. Does this mean "only one"?

The reporter learned from the bank that if a customer has previously opened an account in a bank that enjoys the small account management fee exemption, then it is deemed that an account has enjoyed the small account management fee exemption and cannot apply for other accounts under its name. For example, a bank's salary card originally enjoyed the free policy. If you get another card in the bank, you can't get a new card for free.

However, this does not mean that only one card can be free. For example, China Merchants Bank said that if an ordinary debit card successfully applied for a small account management fee exemption, and then a salary card, it means that both cards are free.

For example, Mr. Wang used to run an ordinary debit card at China Merchants Bank and successfully applied for the "double exemption" policy this year. Now, Mr. Wang has gone to a company and his salary card has become China Merchants Bank. Then, the salary card itself can be exempted from small account management fees and annual fees. In this way, Mr. Wang has two free cards.

Therefore, it is recommended that the public call the relevant banks in advance to consult clearly.

Hope to adopt. Good luck.