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8月银行将施行一批新规:异地同行取现手续费取消

2017-07-31 08:28:13   澎湃

从明日(8月1日)起,不论你是通过自助渠道还是网点柜面,用借记卡或者存折在发卡行境内任意网点取现,都将免手续费。

根据6月30日发改委和银监会下发《国家发展改革委中国银监会关于取消和暂停商业银行部分基础金融服务收费的通知》(下称《通知》),8月1日起,取消个人异地本行柜台取现手续费,暂停收取本票、汇票的手续费、挂失费、工本费6项收费,各商业银行应主动对客户在本行开立的唯一账户免收账户管理费和年费。

据估算,相关措施实施后,预计每年可减轻客户负担61.05亿元。

取消个人异地柜台取现手续费

继去年12月1日取消ATM机同行异地存取款的手续费后,从8月1日起,同行异地柜台取现也将免费。

《通知》要求,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)。

此前,按照政府指导价,个人异地柜台取消手续费是按照“每笔按取现金额的0.5%,最高50元/笔”收取,不过,包括工商银行、建设银行等在内的多家银行,目前已经对个人本行异地柜台取现实施“免费”的优惠。

一家银行可指定一个账户免年费

从8月1日开始,根据客户申请,银行对其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)。同时,发改委和银监会特别强调,各银行应“主动”对客户在本行开立的唯一账户免收账户管理费和年费等。

此前,当个人活期账户季度日均存款余额低于一定限额时,部分银行就会收取账户管理费用,一般为3元/季。

其实,早在2014年8月,国家发改委、银监会就联合下发通知,要求银行有条件免收借记卡年费和个人账户管理费,不过,并不是每家银行都在执行。

不过,需要注意的是,对于2017年8月1日前已经产生的应收未收小额账户管理费(指由于账户没有余额而未收的历史欠费),银行可以继续收取,不过,商业银行应采取适当方式告知客户,说明收费对应的时间。

同时,如果你已经在一家银行开立了代发工资账户、退休金账户、低保账户、医保账户、失业保险账户、住房公积金账户等免收账户管理费的的账户,银行可以不另外提供免收管理费的账户。

本票、汇票的手续费、挂失费、工本费6项收费暂停

还有一项对个人和企业都有利的举措则是,暂停收取本票、汇票的手续费、挂失费、工本费6项收费。

这六项费用此前一直由政府定价或政府指导价。按照《中国人民银行商业汇票承兑、贴现暂行办法》第6条第二款,“承兑银行应按票面金额在千分之零点五至千分之一幅度内,酌情向承兑申请人收取承兑手续费。承兑手续费每笔不足5元的,按5元计收。”

一般来说,为个人或对公客户办理本票和汇票业务的手续费为1元/笔,挂失费则按照票面金额的0.1%收取,最低5元/笔,工本费则是0.48元/份。

而从8月1日起,银行将不得收取上述费用。

责任编辑:杨晓晨 CN067、任冲 CN062
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两部门:8月起取消个人异地本行柜台取现手续费

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8月1日起免收银行卡年费及异地取现手续费等6项费用

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