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What is a mobile messenger? What's the use of talking? How to deduct the fee?

Take ICBC messenger as an example:

The function of ICBC Messenger is to send a short message to the designated mobile phone when the balance in the account (card) changes. This service fee is the courier fee of ICBC, which is paid in 2 yuan every month.

Courier fee: the fee charged by the bank for sending various financial and accounting information to customers through SMS and e-mail. At present, most banks do not charge this fee, but there are