Is there a fee for bank card to bank card transfer?
When we need to make a large transfer, we usually choose the card-to-card transfer method. So, is there a fee to be paid when making this transfer? This article will take a deep dive into this issue**.
First of all, we need to make it clear that the handling fee for bank card transfer to bank card transfer is not charged by the bank to the transferor, but by the transferor and the bank where the transferee is located jointly charged to the transferor. The specific fee standard varies from bank to bank, and different transfer amounts, transfer channels and transfer nature will also affect the amount of fees.
For most banks, if it is a peer-to-peer transfer, it is generally free. However, if it is an interbank transfer, a certain fee will generally be charged. In addition, some banks charge additional fees for transfers over a certain amount.
The specific handling fee standards are as follows:
1.Industrial and Commercial Bank of China: The bank is free of charge; A handling fee of 200 yuan will be charged for each inter-bank transfer, and the amount of a single transfer shall not exceed 50,000 yuan.
2.China Construction Bank: Free of charge for both in-bank and inter-bank transfers; The amount of a single transfer shall not exceed 50,000 yuan.
3.Agricultural Bank of China: The bank transfers free of charge; A handling fee of 20 yuan will be charged for each inter-bank transfer, and the amount of a single transfer shall not exceed 100,000 yuan.
4.Bank of China: Free of charge for both in-bank and inter-bank transfers; The amount of a single transfer shall not exceed 50,000 yuan.
5.Bank of Communications: Both in-bank and inter-bank transfers are free of charge; The amount of a single transfer shall not exceed 50,000 yuan.
It should be noted that there may be differences in the fees charged by different banks, so it is best to consult the bank's staff before making a transfer to understand the specific fees and preferential policies in order to better plan your financial arrangements.
In summary, the handling fee for card-to-card transfers varies depending on factors such as the bank, the amount transferred, the channel of transfer, and the nature of the transfer. When making large-value transfers, we need to pay attention to choosing the right transfer method and bank to avoid unnecessary expenses. At the same time, it is also very important to understand the bank's charging standards and preferential policies.