Card application, transfer,
1 Industrial and Commercial Bank of China: 5 yuan for card application, 10 yuan/year for annual fee, 3 yuan/quarter for small account management fee below 300 yuan, and 2 yuan/pen for inter-bank withdrawal in the same city
2 Agricultural Bank of China: 5 yuan for card application, 10 yuan/year for annual fee, 3 yuan/quarter for small account management fee below 300 yuan, 2 yuan/pen for inter-bank withdrawal in the same city (4 yuan in Guangdong Province)
3 China Construction Bank: card fee of 5 yuan, annual fee of 10 yuan/year, less than 500 yuan, small account management fee of 3 yuan/quarter, and such accounts do not give interest, intra-city inter-bank withdrawals of 4 yuan/pen + 1% of the withdrawal amount (that is to say, it is higher than the cost of other banks to withdraw money from other places, and the black heart is at home, obviously forcing their customers not to go to other banks to withdraw money, so that other bank customers can sit and receive commissions when they come to their ATM withdrawals, so even if you take other bank cards for free, don't go to CCB to withdraw money)
4 Bank of China: Card application fee of 5 yuan, annual fee of 10 yuan/year, no small account management fee, inter-bank withdrawal in the same city of 4 yuan/pen
5 Bank of Communications: The card application fee is 5 yuan, the annual fee is 10 yuan/year, the small account management fee is 3 yuan/quarter for less than 500 yuan, and the inter-bank withdrawal in the same city is 2 yuan/pen.
6 Postal savings: free card application, 2 yuan/pen for inter-bank withdrawals in the same city, most provinces and cities do not charge annual fees and small account management fees
7 China Minsheng Bank: Free card application, no annual fee, no small account management fee (except Shenzhen), the first 3 withdrawals per month in the same city are free, and the next 2 yuan/pen
8 China Everbright Bank: Free card application, no annual fee, no small account management fee, the first 3 withdrawals per month in the same city are free, and the next 2 yuan/pen
9 China CITIC Bank: Free card application, no annual fee, no small account management fee, the first 2 withdrawals per month in the same city are free, and the next 2 yuan/pen
10 Hua Xia Bank: Free card application, no annual fee, no small account management fee, cross-bank withdrawal in the same city every day (note 1 is every day, not every month) The first 1 is free, and the next 2 yuan/pen
11 Shanghai Pudong Development Bank: card application is free, no annual fee, intra-city inter-bank withdrawals are 2 yuan/pen, and account management fees are 12 yuan/year. If the balance in the account is always more than 1,000 yuan, or if the POS card is used for consumption during the year (it doesn't matter how much, they are just encouraging the use of cards), it will be exempted.
12 Industrial Bank: Free card application, no annual fee, no small account management fee, the first 3 withdrawals per month in the same city are free, and the next 2 yuan/pen
13 China Merchants Bank: card free, no annual fee, intra-city inter-bank withdrawals 2 yuan/pen, account management fee: the same customer in the bank's assets are less than 10,000 yuan, 1-5 yuan/month (each branch decides by itself, Beijing 1 yuan, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, I don't know the rest), the "daily average assets" here refers to the sum of all deposits and national debt in the bank, for example, you deposit 10,000 yuan in China Merchants Bank fixed deposit certificate, 10 bank cards, each card has no money, then these 10 cards will not receive money, but you have 3 cards, the card deposits are 3000 yuan, 2000 yuan, 2000 yuan, the total is less than 10000, then each card All will be charged.
14 Shenzhen Development Bank: card free, no annual fee, less than 300 yuan to charge a small account management fee of 1 yuan/month, but only POS card consumption once can be exempted for one year, so basically will not be charged, the same city cross-bank withdrawal is completely free (Shenzhen, Chengdu, Chongqing except, 2 yuan/pen)
15 Guangdong Development Bank: Free card application, no annual fee, no small account management fee, no matter in the same city or in different places, the first 3 withdrawals per month are free, and the next 3 yuan/pen
16 Bohai Bank: In principle, the card is 20 yuan, the annual fee is 20 yuan/year, and the account management fee is 5 yuan/month for less than 5,000 yuan, but in fact the card is free, no annual fee, no small account management fee, and intra-city inter-bank withdrawals are completely free. This is a newly established bank with national licenses (18 in total). It currently only has business outlets in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan, and Chengdu.
17 Hengfeng Bank: free card, no annual fee, no small account management fee, nationwide cross-bank withdrawals of 2 yuan/pen, currently only in Yantai, Qingdao, Jinan, Hangzhou, Nanjing has business outlets.
18 Zheshang Bank: 10 yuan for card application, 10 yuan/year annual fee, no small account management fee, the first 3 withdrawals per month for cross-bank in the same city are free, and the next 2 yuan/pen. At present, the bank only has business outlets in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi'an and Tianjin.
19 Bank of Nanjing: All fees are free, and there are no fees for withdrawing money from any ATM machine in China.
The above is the specific situation of the 18 banks with national licenses.
In online banking, Industrial and Commercial Bank of China, China Merchants Bank, Minsheng Bank, and Shanghai Pudong Development Bank have the most complete functions. Agricultural Bank of China, CCB, Bank of China, Bank of Communications, Huaxia, Industrial Development, Shenzhen Development, and Everbright are also fully able to meet the needs. Guangfa's functions are weaker, as are the three small banks. The postal service does not have a complete sense of online banking.
