New Year's money to go home media survey mobile banking transfer fee is low

As the Spring Festival approached, many people wanted to send the hard-earned money they had made to distant families for a year. It could be as painful as a bank transfer fee of tens of yuan. How can it be safe and save money to remit money to a foreign bank account? The Yangcheng Evening News reporter consulted and investigated three kinds of remittance methods, including counters, online banking, and mobile banking. Each bank’s mobile banking transfer was saved to save money, and many were still free.

Counter off-site transfer ICBC Bank of China High

Although queuing at bank outlets is bothersome and time-consuming, for people who are not familiar with electronic channels, over-the-counter transfers are still the main means of payment. In comparison, its costs are also high.

Judging from the traditional over-the-counter transfer fees at the counter, ICBC and BOC are basically charged at 1% of the transfer amount, which is 1 yuan lower and 50 yuan higher. It is the high fees charged by the reporters surveyed, and other banks have The distinction is whether or not the Bank transfers funds and has different charging standards. For example, if the CCB’s counterparts transfer funds at different rates, they will be charged at 0.5%, while the inter-bank transfers will be charged at 1%. Banking counterparts to transfer funds according to the withdrawal amount of 0.4% charged, 50 yuan capped, inter-bank by the amount of distinction, 10,000 yuan each of the following 5.5 yuan, 10 thousand yuan -10 yuan per 10.5 yuan, but cheaper than peer transfer. GDB is charged at 0.1%, which is 1 yuan lower and 20 yuan higher.

In this case, the same transfer of 10,000 yuan, a high fee of 50 yuan for different banks, a low of 10 yuan, a difference of 4 times.

Mobile Banking hits "free card"

Electronic channels are more cost-effective than counter transfers. Online banking and mobile banking have discounts on handling fees, especially mobile banking. Many banks are still in the promotion period for this service, and many are free.

For example, ICBC, online banking transfer fee is a 50% discount on the counter, mobile banking is a 30% discount, which means that through ICBC remittance of 10,000 yuan in different places, the counter needs to pay 50 yuan processing fee, online banking is 25 yuan, mobile phone The bank only pays 15 yuan. This is still relatively high, with more bank online banking charges at a quarter of a percent and Guangfa as low as one ten-thousandth. Mobile bank transfer, Bank of China, Agricultural Bank of China, Bank of Communications, China Merchants Bank, Guangfa, China Everbright are all free of charge. Everbright Bank's online banking transfer is also free.

However, it should be noted that if you want to use free channels, you usually have certain requirements for your mobile phone. You must be able to install a smart phone with a mobile phone client. There are Android and Apple versions on the operating system. After downloading the mobile phone client, you can follow the operation. Prompt transfer is very simple. Since the mobile phone client usually needs a password, the operator must also take proper care of the key information such as his account information and password.

Third Party Payment Transfer Fee Reduction

Not only the banking channels, but also third-party payment platforms are becoming increasingly popular payment and settlement channels. In particular, near the peak of transfer on the eve of the Spring Festival, to attract users, third-party payment companies have begun to reduce the transfer fee to varying degrees. The reporter found that Alipay’s daily free limit for transferring funds to bank cards has increased from 1,000 yuan to 5,000 yuan. In other words, before February 8, 2013, the user will use Alipay to transfer funds directly to the payee’s bank account, and the first daily transfer of less than 5,000 yuan (including 5,000 yuan) will be exempt from the processing fee. Alipay also promised that Alipay will automatically withdraw the cost of collection if there is a failure to transfer or delay in the account.

Alipay transfer to bank card rate list

User type arrival time service rate service fee lower limit service fee cap

The gold account member will be credited with 0.175% 0.9 Yuan/Pen 35 Yuan/Pen (70% off) on the next day

Ordinary member arrives at the next day 0.25% 0.9 Yuan/Pen 50 Yuan/Pen

Within 2 hours to arrive 0.5% 1 yuan / pen 50 yuan / pen

Pre-February 8, 2013 offer: Free service charge of 5,000 yuan per day

List of local bank transfer fees

Bank Counter Fee Mobile Banking Fee Online Banking Fee

ICBC 1% (1-50 RMB) (on counter basis) 30% off (on counter basis) 50% off

1% of Bank of China, 50 yuan of free high-speed peers, 0.05% (1-12 yuan) in different places, 5 yuan of 10,000 yuan in different locations, 10 yuan of 10,000 yuan to 10 thousand yuan, and 15 yuan of 100,000 yuan to 50,000 yuan (August 2013) 20% off before 30 days)

CCB peers 0.5% (2-50 yuan); Interbank 1% (2-50 yuan) Peers 0.15% (1-15 yuan); Interbank 0.3% (1-15 yuan) (on counter basis) 50% off, low 2 yuan

Agricultural Bank Peer off-site 0.5% (1-50 RMB); interbank RMB 10,000 or less 5.5 RMB, RMB 10,000-RMB 10.5 RMB, and RMB 100,000-50 RMB 15.5 RMB Free Peers Offsite 0.4% (1-20 RMB)

Banking counterparts in different places 0.4% (1-50 yuan); interbank 10,000 yuan below 5.5 yuan, 10,000 yuan -10 yuan 10.5 yuan free counterparts 0.15% (1-45 yuan); interbank 0.7% (2-45 yuan)

China Merchants Bank is RMB 5.5 million and RMB 5.5, RMB 10,000-RMB 10.5 is RMB 0.2% (RMB 2-20)

GF 0.1% (1-20 RMB) free of charge as of December 31 this year, peer offsite 0.01% (1-5 yuan); interbank city (through remittance by ordinary transfer) 0.01% (1-3 yuan); General transfer method of remittance) 0.01% (1-8 yuan)

Everbright 0.5% (2-20 RMB) Free as of December 2013, Free

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