How does the balance of Alipay account go to the bank card? How do you charge for the bank card? Alipay announced that it will charge 0.1% of the service charge to the user who has exceeded the free quota (20 thousand yuan) from October 12th. When the user carries on the two operation of "cash card to her bank card" and "transfer to another bank card", it may be charged a certain fee.
It takes a little time to fully accept the charging mode, but at present, the response of users is still stable. After all, Alipay has more usable scenes. Even if it is not mentioned, it can also be used for shopping, payment, recharge and so on. It has little impact on daily life, and the total amount of 20 thousand yuan is relatively more generous, which can meet the occasional demand for withdrawals.
1. balance treasure
Users can transfer the funds of the bank card into yu'ebao. There is no charge for transferring the funds from yu'ebao to their bank card. For example, transfer in with a card and then transfer out to B card. However, it should be noted that from October 12, yu'ebao will follow the principle of the original way in and out, that is to say, the funds transferred from yu'ebao to yu'ebao cannot be transferred into the bank card, but will only be transferred back to the balance in the original way, so please transfer now.
2. Return credit card
The account balance can be used to pay back the credit card directly, which is free of charge. To some extent, paying back the credit card is equivalent to transferring to the bank card.
3. Ant points exchange
In the announcement issued by Alipay, it is stated that the use of ant score can convert the transfer quota. After the exhaustion of the free quota, each 1 points can be exchanged for free amount of 1 yuan, and it will not be capped. Users can get more points by increasing the frequency of using Alipay. Integral query method is: Alipay - my member center.
4. There is no charge for the contracted business
Alipay signs businesses / sellers (Taobao Tmall sellers, Taobao auction sellers, Taobao sellers, village partners, help partners, village partners, 1688 sellers, Aliexpress sellers, Alipay effective contract merchants, certified enterprise accounts and national student loan accounts). Would you like to consider opening a sideline?
5. consumption
At present, Alipay covers almost all the online shopping websites in China, as well as all kinds of services such as public service payment, convenience store, travel and so on. The consumption of the balance is always free. Anyway, it is necessary to spend it. Why mention it?
6. buy money
In recent years, the Internet financial products are hot, and the balance is idle. Why don't you buy some financial products to let the money appreciate? It's more suitable than the bank card.
7. Direct transfer through online banking
If there are often large demand for transfer, I am afraid the above methods are not very suitable. Xiaobian recommends giving up the way of transfer through Alipay, directly transferring through online banking. At present, ICBC, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of communications, China Merchants Bank, Shanghai Pudong Development Bank and other mobile online bank transfer are free of charge.
At present, Alipay is the largest mobile payment platform in China, and is also one of the main payment methods for users. Alipay has been responsible for the total cost of user transfers. However, because of the rapid increase in costs, the fee is also designed to ensure that Alipay can provide more quality services to users, not for revenue. In addition, the demand for withdrawals is much smaller than the demand for payment, and Alipay only reduces the impact on users. At the same time, Alipay also said it would do its best to provide users with higher free quota.