Is there an annual fee for bank cards?

First of all, no matter what bank's debit card is charged an annual fee.

1, annual debit card fee of China Industrial and Commercial Bank 10 yuan.

2. China Bank Debit Card Annual Fee 10 yuan.

3. Annual fee of China Construction Bank 10 yuan, U shield 18 yuan (returned in six installments).

4. Annual fee of Bank of Communications 10 yuan.

5. Annual fee of China Agricultural Bank 10 yuan.

Debit card refers to a bank card without overdraft function that can be consumed (or withdrawn) after deposit. According to their different functions, it can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. It also has many functions such as transfer, fund trading, stock trading and payment, and also provides many value-added services.

Debit cards can also be withdrawn by ATM transfer and cannot be overdrawn. The amount in the account pays interest according to the current deposit. The international debit card has the same appearance as the credit card, and the logo of the international payment card institution is printed on the lower right corner. It is very popular in all the sales points that accept credit cards. The only difference is that when using a debit card, the amount will be automatically deducted from the bank account instead of being included in the credit line.

Debit cards can be used with passwords and signatures.

In recent years, the problem of new crimes in telecommunication network has become increasingly prominent. In order to implement the State Council's decision, fully cooperate with the public security organs to do a good job in cracking down on new illegal crimes in telecommunication networks and protect people's property safety, the China Banking Regulatory Commission recently issued the Notice on Matters Related to the Banking Industry's Cracking Down on New Illegal Crimes in Telecommunication Networks (No.48 [2065438+05]), which made comprehensive arrangements for the banking industry's cracking down on new illegal crimes in telecommunication networks.

First, strict real-name management. Banking financial institutions are required to make full use of online verification of identity cards and other technical means, carefully examine the identity documents of managers, and resolutely put an end to problems such as illegal card opening, random card opening and batch card opening.

The second is to strictly limit the number of cards opened. In principle, the same commercial bank may not open more than four debit cards for the same customer. For customers who have handled more than 4 debit cards, banking financial institutions should take the initiative to contact the card-issuing customers for verification. After verification, if it is found that it is not handled by me, the service will be suspended and properly handled. [6]

The third is to comprehensively improve the security management level of bank cards. Banking financial institutions are required to comprehensively sort out and improve their business processes, improve the level of internal control, effectively strengthen the safety management of bank cards, constantly strengthen industry self-discipline and strictly implement social responsibilities.

In addition, Circular 48 also puts forward comprehensive requirements for the supervision and management of bank card business from the aspects of establishing contact mechanism, strengthening publicity and education, establishing and improving the system of assessment, reward and punishment and accountability.

reference data

Debit card? Baidu baike