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这些手续费取消后,你能省多少?

2017-08-04 04:02:58   中国青年网

漫画/何朝霞

长沙晚报讯(记者 刘琼萍)近日,发改委、银监会联合印发通知,自2017年8月1日起取消、暂停商业银行部分基础金融服务收费。新规如何解读?长沙市内各大银行执行情况如何?近日,记者进行了一番调查。

此次新规,银行取消的相关手续费

●取消个人异地本行柜台取现手续费。各商业银行通过异地本行柜台(含ATM)为本行个人客户办理取现业务实行免费(不含信用卡取现)。

●暂停收取本票和银行汇票的手续费、挂失费、工本费6项收费。

●对客户指定的一个本行账户(不含信用卡、贵宾账户)免收年费和账户管理费(含小额账户管理费)。

同行异地取现已免费 单笔最高减50元

日前,记者在交通银行长沙分行看到一则电子海报,称“取消个人异地本行柜台(含ATM)取现手续费”。据了解,其实从今年1月1日起,在工行、农行、中行、建行、交行等银行ATM机上取款,无论本地还是异地均已实行手续免费政策,但柜台取现仍然收取费用。

此次印发的通知,将银行柜台也纳入同行异地取现免费的范畴。据了解,此前,多数银行个人客户同行异地存取款、转账均要收取手续费,按照取款金额的0.5%收取,50元封顶。简单来说,在异地同行柜台取一笔3万元的现金,新规前你可能需交50元的手续费,但今后全免。

值得一提的是,异地同行取现手续费取消并不代表去任意银行取钱不收手续费。通俗来讲,如果你的卡是中国银行的,去中行全国各大网点取现属同行取款,可享零手续费,但如果去工商银行或别的银行取现则属跨行取款,还是要收取一定费用的,各大银行信用卡取现也在收费范围内。

记者走访过程中发现,长沙市内各大银行均已执行同行异地取现免费的新规。不少银行通过张贴公告、轮流播放电子海报等方式告知客户,交行省分行负责人表示,该行还将通过分批群发短信的方式广而告之。

一个账户年费自动免 每年每卡少交10元

自8月1日起,各行银行卡账户年费与管理费也进行了调整。在此之前,多数银行对于日均存款余额低于一定数额(一般为300-500元)的账户,除去所有用户都需要缴纳的10元年费,还会收取小额账户管理费,一般为每季度3元。也有包括华夏银行在内的部分银行从未收取过该项费用。

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