Do you still deduct the bank SMS service fee every month? These banks don't accept it.

"Is there any violation for the bank to charge this SMS service fee?" Miss Yang's bank account has never been charged SMS service fee before, but recently she found herself charged SMS service fee for three consecutive months. How do major banks charge SMS service fees? Is there a uniform charging standard? Recently, Du Nan Aoyi News evaluated 18 banks.

Suddenly deducting the SMS service fee, the charging standard is difficult to ponder.

At the beginning of August this year, Ms. Liu found that her bank card was charged twice for SMS service. "The Postal Savings Bank just sent me a text message saying that 30 yuan's SMS service fee was deducted every year, but seven days later she informed me that 30 yuan's SMS service fee was deducted. I was detained twice in just 7 days. "

Coincidentally, Dandan, who is also a user of the Postal Savings Bank, also broke the news that he has never been deducted from the SMS service fee after opening his bank card. However, at the beginning of last month, he was suddenly deducted from the SMS service fee without knowing it, 30 yuan.

Mr. Xie is also deeply touched by Mr. Yang's doubts. He has two ABC accounts. At first, 2 yuan's SMS service fee was deducted from each account every month. For several years, since this year, the SMS service fee of 1 yuan has been deducted from each account every month. "The charging standard is so flexible? But nobody told me. Four dollars has been collected every month for several years, and now it is automatically reduced to two dollars. " .

Thank you, teacher. The SMS fee for the same account has changed. /The picture is provided by the reporter.

The general charge is 3 yuan per month, and some banks cancel the charge.

After the actual measurement, the evaluation team found that the charging standards of SMS service fees in banks are different and varied.

First of all, banks such as Bank of China, HSBC and Citibank do not charge SMS service fees. But most banks charge 3 yuan SMS service fee per card per month or 30 yuan service fee per year. Such as China Merchants Bank, Bank of Communications, China Guangfa Bank, Industrial and Commercial Bank of China and China Everbright Bank. 3 yuan service fee is charged for each card every month; The Postal Savings Bank stipulates that it shall not be higher than 3 yuan every month and 30 yuan every year.

In addition, many banks will make corresponding adjustments and changes according to different customers and different card types.

For example, CITIC Bank debit card 3 yuan every month, but gold card, platinum card and diamond card are free; Bank of East Asia Ctrip co-branded credit card, East Asia Qunar co-branded credit card monthly 3 yuan, other cards are free; Ping An Bank Diamonds, private bank cards are free, featured debit card products are free, and ordinary debit cards are 3 yuan per card every month.

The rules of Industrial Bank are formulated in more detail, such as the monthly 3 yuan of ordinary credit cards, which are charged quarterly; Platinum credit card is free; The minimum amount for sending free SMS by gold card and credit card is a single 500 yuan. Savings card SMS service fee per month 1 yuan; Diamonds, black gold and platinum customers are free; Capital card (including universal capital card), leisure card and universal life card are free; Industrial Securities Co-branded IC card is free; The support card of Industrial Bank is free; Social security cards are free; Xing Global Debit Card (including Bayern Debit Card) is free; The salary card is free.

SMS service fees of major banks/Wu Haojue

There are many fragmentary rules, which will be missed if you are not careful.

In addition, depending on the transaction amount, some banks will use this to specify whether to charge or send SMS reminders.

If the single change amount of Ping An Bank's gold card and platinum card includes the above-mentioned free notification SMS, the following amount of 500 yuan will be charged according to the monthly 3 yuan of each card; CCB conducts small credit card transactions below 500 yuan, and each account in 3 yuan, 500 yuan and above is free every month, while other accounts such as savings cards and quasi-credit cards are in 5 yuan every month. Huaxia Bank's single transaction above 300 yuan is free, and each card below 300 yuan is 1 yuan. Special cards such as platinum card, diamond card and military support card can provide free services.

Other banks will decide whether to provide SMS notification service according to the age of customers. For example, Shanghai Pudong Development Bank has stopped providing SMS notification service for ordinary customers under the age of 65, and customers can choose app or WeChat Bank. Users who originally opened SMS service can choose free or charge. The former will only be sent when the initial notification amount is reached.

In addition to the SMS notification fee for some special cards, some banks also stipulate that SMS service fees will be exempted for a certain period of time. For example, Industrial Bank will waive the monthly service fee for new savings card users who apply for this service, and then charge as usual, which is worth noting.

In a similar situation, there is Minsheng Bank. According to the regulations, Minsheng Bank charges 2 yuan service fee every month for single transactions in 300 yuan and below, and special cards such as business cards and gold cards are free. However, after the new card customers sign up for the service, they will be given a six-month free period from the month when the card is opened, and the fees will be charged in the seventh month and deducted in the eighth month. However, this benefit will be cancelled from this year1October 22nd, 65438.

However, if you hold any products of Minsheng Bank's personal online banking, mobile banking and WeChat banking, you can enjoy a 10% discount on SMS service fee.

Producer: Aoyi Metrology Institute

Appraisal team: Liu Jie Feng Xiaohui Tan Xiaohan Wu Haojue

Poster design: Zheng Baiqi

Related question and answer: Is it free to withdraw money from the bank now? No, some banks still charge. In the recent salary reduction announcement issued by the Economic Commission, the charging standards before and after the adjustment were: cash withdrawal from self-service equipment among banks in the same city and the handling fee was reduced to 3.5 yuan/pen. ; The handling fee for cash withdrawal from remote inter-bank self-service equipment is reduced from "transaction amount +4 yuan/0.5% of the transaction, up to 50 yuan/transaction" to 3.5 yuan/transaction. The bank also said that since July 25, the cash withdrawal fee for the above-mentioned inter-bank self-service equipment in the same city and different places will be temporarily waived, and the recovery time will be notified separately. Five other state-owned banks, Industrial and Commercial Bank of China and Postal Savings Bank, also reduced the handling fee for inter-bank withdrawals to 3.5 yuan/transaction, and provided free time limit. The recovery time will be notified separately. CCB also said that it will refund cardholders in the future after announcing that it will not automatically reduce the inter-bank cash withdrawal fee under various circumstances. United Joint-stock Bank has also uniformly adjusted the withdrawal standard of ATM inter-bank fees, and the upper limit has been reduced to 3.5 yuan/transaction. On this basis, the preferential standards are slightly different. For example, CITIC Bank exempts ATM interbank fees for the first few transactions of each month according to different card types and user asset balances; China Merchants Bank suggested that the sub-branch can protect its preference for migrant workers' special withdrawals and debit card withdrawals, thus helping farmers. ; Industrial Bank and China Everbright Bank began to implement new charging standards on July 24th. Industrial Bank, which cancels domestic inter-bank ATM machines, is free of charge for the first three transactions every month, regardless of the same city or different places, and charges 3.5 yuan handling fee from the fourth transaction; Some cards have more free transactions, and some preferential policies will be implemented until June 30, 2023. The withdrawal fee of each bank of China Everbright Bank in the same city is adjusted to 2 yuan/transaction, and the withdrawal fee of different banks is 3.5 yuan/transaction. Cross-bank withdrawal in the same city: 1. Industrial and Commercial Bank of China: 4 yuan/transaction for local interbank bank deposit fee; 2. Agricultural Bank of China: 4 yuan/transaction for cash withdrawal fees of local banks; 3. Bank of China: the bank withdrawal fee of the local bank is 4 yuan/pen; 4. China Construction Bank: the local inter-bank cash withdrawal fee is 4 yuan/pen; 5. China Trade Bank and City Bank withdraw 2 yuan/pen; 6. Bank of Communications withdraws 2 yuan/pen from banks in the same city; Generally speaking, cross-bank withdrawals are rare. If the cardholder doesn't want to pay the handling fee, you can use the mobile banking program to transfer money to the bank of the ATM you need to quit, because there is no handling fee for peer withdrawals, which can save costs. I hope I can help you.