how do I charge for inter-bank transfer? In our country, most banks need to charge a certain fee for inter-bank transfer, but in recent years, the inter-bank fee also tends to reduce or even exempt. So how to collect the cross bank transfer fees of major banks in 2018? Let's take a look with small editors of sihai.com. 2018 bank cross bank transfer fee collection standard summary.
What are the free inter-bank transfer banks?
At present, 12 banks including China CITIC Bank, China Merchants Bank, Shanghai Pudong Development Bank, Everbright Bank, Huaxia Bank, Minsheng Bank, Guangfa bank, industrial bank, Ping An Bank, Hengfeng bank, Zheshang Bank and Bohai bank no longer charge handling fees for inter-bank transfers.
At the same time, the following banks are also free of charge: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of communications, China Merchants Bank, China Guangfa bank, Guangda bank, Minsheng Bank, Shanghai Pudong Development Bank and China CITIC Bank.
Comparison of advantages and disadvantages of various transfer methods
With different transfer methods, the bank charges may be different. So what are the advantages and disadvantages of various transfer methods?
1. Over the counter transfer: the advantage is that it is more intuitive, and it can directly consult service personnel, which is more suitable for the elderly; the disadvantage is that it needs to queue up, and the handling fee is high.
2. ATM transfer: the advantage is that there is no need to queue up, 24 hours can be taken, and the handling fee is low; the disadvantage is that the transfer limit is low.
3. Online bank transfer: the advantage is convenient, and many inter-bank transfers are free of service charges; the disadvantage is that there is limit to the amount, which needs to be transferred several times.
4. Mobile banking transfer: the advantages are free of charge, relatively safe and user-friendly operation; the disadvantages are that different apps should be installed.
5. Third party payment and transfer: the advantages are simple and convenient operation, most of which are free. The disadvantage is that there is a limit and it is slow to get to the account.
Which is the best way to transfer money between banks?
Counter, online banking, ATM and so on are the main ways of inter-bank transfer, but which is better? Here is an analysis of their advantages and disadvantages.
1. Cross bank transfer at the counter: a handling fee of up to RMB 50 will be charged, generally 0.5% - 1% of the remittance amount. In the way of inter-bank transfer, the cost performance of the counter is low.
2. Online inter-bank transfer: compared with the counter service fee, it is very low, but it needs ukey, which costs 50-80 yuan. In addition, online banking transfer has a relatively large security risk.
3. ATM inter-bank transfer: the handling fee is slightly lower than the counter transfer, and there are certain risks.
4. Inter bank transfer of mobile banking: most banks do not charge service charges for inter-bank transfer of mobile banking, and do not leave home at all, which is very convenient.