Why are the SMS charges of major banks not uniform?

In fact, not all banks charge SMS service fees, and in this respect, the charging standards among banks are not the same.

But generally speaking, six major banks, such as industry and commerce, agriculture and China Merchants Bank, charge customers for SMS service, ranging from 2 yuan to 4 yuan. For example, Ping An Bank charges 36 yuan an annual fee, while Bank of Communications divides it into message reminder and repayment notice. Fees are different and charged quarterly.

Generally speaking, the trend is that big banks generally charge SMS notification fees. Maybe everyone will think that the SMS service fee is only a few dollars, which is very small. Is it necessary for banks to charge customers this fee every month? But have you ever thought that banks are profit-making institutions after all, and the ultimate goal is to maximize profits? If it's useless to charge SMS service, why bother?

According to relevant data, there are about 6.7 billion bank cards issued by banks in China, of which more than 5 billion are issued by six major banks, and there are 2 joint-stock banks/KLOC-0. Even according to 3 yuan's monthly tariff, it can reach more than 654.38+0.2 billion a year.

From the perspective of big banks, their development scale is large, their business scope is broader and more perfect, and they have outlets all over the country. Therefore, relatively speaking, the customer base of big banks is relatively solid, and they are not worried about losing customers by charging SMS service fees, but will strive for income in this respect. On the other hand, local small banks are different. Compared with the number of customers of big banks, there is definitely no comparability. However, in order to attract customers and expand the scale, we can only launch a service free of SMS service fee.

This shows that, not to mention the service fee of only a few dollars, it is of great significance for banks to raise the price by one dollar. So even if the news can spread through the network, the bank will still charge the service fee by SMS notification. Welcome everyone to discuss together.