What does it mean to deduct the SMS fee from the bank card?

SMS notification fee. As soon as the bank card account changes, SMS will immediately remind you.

First, SMS notification

Generally, the SMS notification fee for debit cards is one month in 2 yuan and one year in 24 yuan. Credit cards do not charge SMS notification fees. The SMS notification service of banks is carried out in cooperation with communication operators, and banks need to pay certain service fees to the cooperative communication operators. Therefore, it is reasonable for banks to charge a certain fee while providing SMS notification service to customers, and the conditions for cooperation between banks are different, and the fees charged will definitely be different.

Second, the bank SMS fee

30 yuan, the short message fee deducted from the bank card may be the service fee for one year when handling the short message service. However, if the SMS service fee is deducted monthly, the monthly service fee will generally be 3 yuan. This fee, also called courier fee, refers to the information service fee for banks to send various financial and accounting information to customers by SMS, email and other means.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.

1, bank card

Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true. From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".

2. Bank chip

According to the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change of the original contract. We should reach an agreement with consumers to minimize the adverse effects on consumers. The bank's card changing behavior will cause many inconveniences to consumers, such as time-consuming and laborious, and the original binding transaction needs to be readjusted due to the change of card number. In line with the principle of customer first, banks try to upgrade by changing cards instead of numbers. It should be reminded that although many banks have launched the service of "changing the core without changing the number", it is only for some bank cards and customer groups. A number of banks reminded that the card number will be changed at the same time as the card is changed. What the public should pay attention to is that some businesses previously bound by bank cards need to be re-handled, such as water, electricity, gas, mortgage, car loan and other withholding businesses, as well as bound credit card accounts, Alipay accounts and securities accounts. All must be reprocessed at the first time.

3. Debit card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction. Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.