Now, in addition to the Bank of communications in the inter-bank transfer amount of 50000 yuan, the bank will need a certain fee. Most other banks use mobile phones to transfer money between banks without charge. How do you charge for bank remittance? How much is the mobile bank transfer limit? Let's have a look.
Does mobile bank need handling charge for inter-bank transfer?
Transfer is a common behavior in life. There are many ways of transfer, but it is often accompanied by the generation of service charges. Today, we will learn how much service charge is charged for inter-bank transfer through mobile banking. First of all, we divide banks into state-owned banks and commercial banks according to their categories. State owned banks, in addition to what we often call China Agricultural and industrial construction, also have transportation Banks and postal banks, except that the Bank of communications needs to charge 0.24% of the amount of money for bank transfer of more than 50000, the rest of the banks do not need to charge fees for inter-bank transfer through mobile banking. If you want to completely charge no fees, you can first transfer the money you want to transfer to the Alipay balance, then turn it out to the bank card you want to receive, so you will not charge any fees.
Take a look at commercial banks. Common commercial banks include China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank, China CITIC Bank, industrial bank, etc. these banks do not need to charge any handling fees for inter-bank transfer through mobile banking.
Mobile bank transfer limit:
Different banks have different transfer limits according to different types of transfer.
For example, China CITIC Bank uses mobile phone to transfer money, which can be divided into standard version and professional version. The Standard Version refers to the personal online banking that is self registered or opened through dynamic password version. The single transaction limit of external transfer is 50000 yuan, and the daily cumulative limit is also 50000 yuan. The professional version is generally the online banking opening or upgrading of UK certificate version, with a single transaction limit of 500000 yuan and a daily cumulative daily amount of 500000 yuan.
Another example is the Construction Bank, through the bank SMS password verification transfer, the single limit is 50000 yuan, the daily cumulative limit is 50000 yuan; through the dual verification of SMS dynamic password and equipment binding, the single limit is 500000 yuan, the daily cumulative limit is 1 million yuan; through the general shield authentication transfer, the single limit is 5 million yuan, and the daily cumulative limit is also 5 million yuan.
There are also China Merchants Bank, through the professional version of the document certificate login transfer, a maximum limit of 50000 yuan per day, no total limit per day; through online banking public version transfer, no more than 200000 yuan per day, no single limit limit limit; through the "ordinary" mode of all-in-one card transfer, ukey can be adjusted to the maximum without a single limit.