Is the handling fee for withdrawing cash from ICBC bank cards to CCB's ATMs charged by ICBC or CCB?

I think ICBC collected the handling fee, but ICBC must pay part of the handling fee to CCB. The most direct evidence is that the handling fee is deducted directly from your ICBC card. The specific reason is as follows. Because the card you opened is an ICBC card, there is an agreement between you and ICBC (that is, the bank card service agreement that ICBC asked you to sign when you opened the account). ICBC has the right to handle funds between you and ICBC. . The reason why you think it may be related to CCB is because CCB did not deposit your money. This process is actually that ICBC uses its own commercial channels (the commercial relationship between ICBC and China Construction Bank) to provide you with special convenient services for withdrawing money from other banks. In fact, it is similar to ICBC picking up money from CCB and giving it to you; then Under this special service, ICBC has consumed a certain amount of cost (ICBC needs to handle the flow of funds with CCB). Since CCB also provides services based on its business dealings with CCB, ICBC will charge you a special service fee. , part of the handling fee will definitely be given to CCB (we don’t know the specific amount). In fact, you spent extra money in this process, but you may have gained convenience (for example, there are no ICBC branches nearby, but there are CCB branches, so you don’t have to go too far to withdraw money from CCB), while ICBC and CCB are Business dealings and success in business. To put it simply, if you want to save trouble, you need to spend more money; if you don’t want to spend more money, then go to the same bank to withdraw money.