Which banks currently do not charge annual fees for debit cards, as well as the charges of each bank in various aspects, please give me the latest answer, thank you!

I have more than a dozen bank cards, from 12 banks. Now I will tell you everything I know, I hope it can help you!

Bank debit cards that do not charge annual fees and small management fees: Hua Xia, Everbright, Minsheng, Hengfeng, Shanghai Pudong Development Bank, Jinzhou Bank, and some local banks (such as Fushun Bank, Yingkou Bank, etc.), There are also individual foreign banks, such as Hana Bank and United Overseas Bank.

Banks that do not charge annual fees but charge small management fees: Postal Service (post offices in some provinces also charge annual fees), Industrial Bank, Investment Promotion, etc. The small management fee is generally 3 yuan per quarter (charged when the average daily demand deposit is less than 300 yuan). The fee for China Merchants M Card is 3 yuan per month (charged when the average daily deposit is less than 1,000 yuan), and the fee for the China Merchants Ordinary Card is 15 yuan per month (charged when the average daily deposit is less than 10,000 yuan).

Banks that charge annual fees but do not charge small-amount management fees: Bank of Communications (BoCom has an annual fee of 10 yuan, and its small-amount management fees are only charged to passbook accounts, and debit cards do not charge small-amount management fees. Fees, don’t be misled by other information on the Internet! ) etc.

Banks that charge annual fees and small management fees: Ping An, Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of China, China Construction Bank, etc. The annual fee is generally 10 yuan/year. Small administration fee is the same as above. There is no annual fee exemption for debit cards, which is only available for credit cards. Please pay attention!

Most online banking is free, with only some charges, such as the Agricultural Bank of China. U-shield charges include: Agricultural Bank of China, Construction, Transportation, Industry and Commerce, etc. The fees vary. But I know that Bank of Communications can provide SMS password version of online banking for free (the SMS password version transfer limit seems to be no more than 1 million, I can’t remember accurately, and the u-shield is no more than 4 million, you choose according to the situation).

For withdrawals from other places or across banks, Hua Xia will waive one handling fee per day (note that it is every day), and Everbright will waive two handling fees per month (note that it is monthly). Those that do not charge fees include: Hengfeng, Jinzhou Bank, and Fushun Bank etc.

Mobile bank transfers are free of charge: Huaxia, Everbright, Minsheng, Pudong Development Bank, and Communications.

Online banking transfers are free of charge: Jinzhou Bank and China Merchants Bank.

Debit cards that charge a fee include: Agricultural Bank of China and Industrial Bank (all charge for chip cards, not ordinary cards).

Hope this helps! Are you in Kunming? I am also in Kunming, haha!