What's the difference between cash remittance and bank card remittance?

Bank remittance refers to the process of depositing cash into a designated account.

Cash remittance is direct cash remittance to the counter.

2. The handling fee is different

There is a handling fee for bank remittance. Different banks charge different fees, but they are all relatively low.

Any bank can handle cash remittance. Compared with other channels of remittance, the handling fee rate of counter remittance is higher.

Extended data:

The remittance fee at the counter is very high.

There are many ways of bank remittance, but bank counter remittance is still one of the mainstream remittance methods, especially for middle-aged and elderly people, and counter remittance will be the first choice. It is understood that the four major banks collect 0.5% of the remittance amount through the counter, with the lowest in 2 yuan and the highest in 50 yuan; Postal Savings Bank collects 0.5% of the remittance amount, ranging from 5 yuan to 50 yuan.

Other joint-stock commercial banks or city commercial banks charge a little less, but it is relatively inconvenient because there are few outlets. For inter-bank remittance in different places, the handling fees of the four major banks are all 1% of the transfer amount, which is also the lowest in 2 yuan, but the difference is that some banks have the highest handling fees in 50 yuan and some have the highest 100 yuan. Most other banks charge according to the amount.

Electronic remittance has many advantages.

During the Spring Festival, many banks introduced preferential policies for remittance fees. ICBC said that the handling fee for off-site transfer and inter-bank remittance through online banking, mobile banking or telephone banking will be 50% lower than the preferential standard of bank outlets. If you are a star-rated customer of ICBC, you can enjoy a 50% discount on the basis of the original discount. The electronic remittance of ABC is also very affordable. Online banking remittance fee is 0.4%, and mobile banking and telephone banking are free. From 20 11121to 2012 March 3 1, the remittance fee of mobile banking is only1yuan, and the highest in 5 yuan.

China Bank's preferential activities are divided in detail. It is free to transfer money to China Bank in the province through online banking, with 7.5% discount for inter-provincial bank card transfer and 20% discount for inter-provincial bank card transfer. Shanghai Pudong Development Bank also said that before March 3 1, inter-bank remittances in different places will be made through mobile banking and online banking, and each handling fee will be 2 yuan; In case of cross-bank remittance, the handling fee for cross-bank remittance of super online banking through online banking is 0.4%, with the lowest 2 yuan and the highest 20 yuan; If cross-bank payment is made through mobile banking, it can be free.

SMS remittance is also affordable.

SMS remittance service refers to the transfer and remittance service between the customer and the contracted account by editing the fixed format SMS content through the mobile phone and sending it to the corresponding port. CCB has launched this function. Customers only need to agree on the payment account number, collection account number and mobile phone number at the bank counter, and after opening the SMS remittance service, they can transfer and remit money between the agreed accounts by sending SMS. The biggest advantage of SMS remittance is that you can remit money anytime and anywhere where there is a cell phone signal. The cost of SMS remittance is also very low. Before March 3, 20 12 1, CCB can enjoy the discount of 1, with the lowest handling fee of1yuan and the highest in 5 yuan.

References:

Baidu encyclopedia-remittance