The big five mobile phone transfer fee free: free competition is order is five line transfer fee free mobile phone in the future, the use of the five big state-owned banks mobile phone bank transfers, users will no longer pay the transfer fee. Yesterday, ICBC, Agricultural Bank of China, Bank of China, construction bank, Bank of communications announced that the current use of mobile banking transfer will be free of fees. The "free era" of the bank or the opening. The free transfer fee for mobile phone yesterday, the five lines in the "strengthening account management, promoting Inclusive Finance joint signing ceremony, announced that the mobile phone bank for RMB remittance transfers remittance, waive the fee waiving fees to customers 5000 yuan RMB in Internet banking. Since February 25th, ICBC has implemented a free policy for the transfer and remittance of mobile banking." Yesterday, ICBC relevant responsible person said to the Beijing morning news reporters, mobile phone bank of China remittance free coverage of debit cards, credit cards, financial card and wealth account. Free online banking time will be notified. Banks, such as CCB, ABC, BOC and bocom, have also indicated that the use of mobile banks in the territory transfers fees free of charge. While the five free time of online banking is different, the CCB and ABC have started free since yesterday, and the Bank of China will be free from April 1st. In fact, the Bank of China, CCB and other end of the year since the beginning of the transfer of mobile phone free of charge policy. Previously, most of the bank’s mobile phone banking and online banking transfers are also relatively counter relief. ICBC mobile phone bank, off-site transfer is the implementation of the standard implementation of counter 80 percent off, counter standard 70 percent off ABC mobile phone bank fee policy; ICBC, Agricultural Bank of China, China Construction Bank online banking, interbank transfers are subject to different counter standard 50 percent off policy. It is understood that the current state-owned bank counter or offsite interbank transfer charges is 2 thousand yuan each (including 2 yuan); 2 thousand -0.5 million yuan (including 5 yuan); 5 thousand -1 million yuan (including 10 yuan); 10 thousand -5 million yuan (including 15 yuan) of more than 50 thousand yuan; the amount of the transfer, by 0.03%, the highest 50 yuan pen". Many banks reiterated the transfer free of charge, CITIC Bank as early as December 1, 2015 ushered in the "online banking transfer all free" era." At the same time, the banks that have already cancelled the transfer fee have also been "busy", and reiterated that the transfer is free. Last September, China Merchants Bank, Ningbo bank and other banks have announced online transfer free personal customers for any domestic transfer business by China Merchants Bank online banking, mobile phone banking APP, enjoy zero tariff. This action caused the shock of the banking industry, other joint-stock banks, city commercial banks have followed. Last December, the central bank issued "on the improvement of personal bank account service notice" to strengthen the management of accounts, to encourage banks to depositors through the remittance business free of charge a certain amount of online banking, mobile phone bank for the following. According to a survey conducted by the China electronic banking network, there are 70 theories by the end of the year

五大行手机转账免手续费:免费是命令也是角逐   五大行手机转账免手续费   今后,使用五大国有银行的手机银行转账,用户将不再支付转账手续费。昨日,工商银行、农业银行、中国银行、建设银行、交通银行集体宣布,即日起用手机银行转账将免收手续费。银行的“免费时代”或就此开启。   国有行全免手机转账手续费   昨日,五大行在“加强账户管理,推进普惠金融”联合签约仪式上宣布,手机银行办理境内人民币转账汇款免收手续费、对客户5000元以下的境内人民币网上银行转账汇款免收手续费。   “从2月25日开始,工行对手机银行境内转账汇款业务实行全免费政策。”昨日,工商银行相关负责人向北京晨报记者表示,手机银行境内转账汇款免费的范围覆盖借记卡、信用卡、理财金卡及财富账户。网银免费时间将另行通知。   建行、农行、中行、交行等银行也纷纷表示,使用手机银行在境内转账,均免收手续费。而网银免费时间五大行时间相异,建行、农行昨日起已经开始免费,中行将自4月1日起免费。   实际上,中行、建行等自去年底就已经开始了手机转账免收手续费的政策。此前,大多数银行的手机银行以及网银也相对柜面转账进行了减免。工行手机银行跨行、异地转账实行的是柜面标准的2折,农行手机银行则实行柜面标准3折的收费政策;工行、农行、建行网银异地、跨行转账均实行柜面标准5折的政策。   据了解,目前国有银行柜面异地或跨行转账收费的标准是“每笔0.2万元(含)以下的2元;0.2万-0.5万元(含)的5元;0.5万-1万元(含)的10元;1万-5万元(含)的15元;5万元以上的,按转账金额的0.03%,最高50元 笔”。   多家银行重申转账免费   “中信银行早在2015年12月1日起就迎来了‘网银转账全免费’时代。”在国有行抱团发布转账免费声明的同时,此前早已取消转账手续费的银行也纷纷“凑热闹”,重申转账免费。   去年9月,招商银行、宁波银行等多家银行相继宣布网上转账全免,即个人客户通过招商银行网上银行、手机银行APP办理境内任何转账业务,均享受零费率。这一举动引起了银行业界的震动,其他股份制银行、城商行纷纷效仿。   去年12月份,央行发布《关于改进个人银行账户服务加强账户管理的通知》,鼓励银行对存款人通过网上银行、手机银行办理的一定金额以下的转账汇款业务免收手续费。   一项来自中国电子银行网的调查显示,至去年底,已有70家银行开展网银、手机银行转账免费政策。而今年,更有如平安银行等多家银行也加入转账免费大军。更有如恒丰银行,在其他银行均表示“境内转账免费”之时表示,恒丰银行在全球转账均免费。   免费是命令也是角逐   业内人士对北京晨报记者表示,虽然央行上述相关文件中的是“鼓励”之词,但其实央行态度十分坚决,今年4月1日起,央行将对还未实施落实减免手续费的银行进行收费,以督促银行实现免费。   不过,虽然有央行文件的督促,但转账免费也源于另一场看不见的战争。   “银行都在抢夺用户,降低转账手续费不仅可以带来更多的新用户,也会让老用户的黏性更高。”中央财经大学中国银行业研究中心主任郭田勇表示,银行取消网上银行转账手续费,与银行自身竞争激烈及银行互联网化程度加深有关,随着互联网金融服务的日益深化,网上转账成本降低,也促使银行减免手续费。   融360分析师认为,银行业竞争的压力,还来源于第三方支付巨头的崛起。随着支付宝、微信等第三方支付渠道的普及,客户通过第三方支付渠道完成转账等业务往往不需要承担手续费。五大行免收手机银行转账手续费只是顺应了“免费时代”的趋势。   值得注意的是,此前微信发布公告,虽然将在3月1日起收取提现手续费,但却暂停了微信转账的手续费。至此,通过第三方支付手机APP渠道进行转账均恢复免费。   ■链接   五大行推进账户分类   Ⅲ类账户可用于绑定非银行支付账户   昨日,五大国有银行在北京举行“加强账户管理,推进普惠金融”联合签约仪式,共同推进如银行账户实名制、账户分类等相关事宜。   据介绍,此次签约后,五行将进一步加强客户信息安全保护,严格开户过程个人客户的身份审核,避免客户账户信息泄露。同时,按照人民银行关于账户分类管理的规定,在4月1日前完成对存量账户的Ⅰ、Ⅱ、Ⅲ类账户区分标识,支持客户通过线上或自助设备开立Ⅱ、Ⅲ类账户,满足客户存款、购买投资理财产品等金融产品、限定金额的消费和缴费支付等服务需求。面对目前层出不穷的外部互联网欺诈和线上支付风险,五大行主动为客户开立Ⅲ类账户,客户自行激活后可用于对外绑定非银行支付账户进行小额消费和缴费支付,从而将“金库”和“钱包”隔离,有效保护资金安全。   ■提示   那些已经免费的银行服务   ●小额管理费   2014年8月份起,银监会、国家发改委发布的《商业银行服务价格管理办法》正式实施,银行小额管理费用取消。所谓小额管理费用,是银行向银行卡内低于某一金额资金的客户收取的管理费。按照此前多数银行收费标准,日均余额低于一定数额(300元至500元)的账户收取小额账户管理费,每季度3元。   ●普通银行卡年费   2014年8月份起,普通银行卡的年费取消。此前,大部分银行的年费收费标准是10元 年,有的银行会给予客户首年免费,刷卡消费达到一定次数免费的优惠。 进入【新浪财经股吧】讨论相关的主题文章: