How much is the withdrawal fee for foreign banks in China?

1. China Bank's overseas withdrawal fee is 3% for overseas international organizations' credit card withdrawals, with the highest withdrawal fee for UnionPay machines 15 yuan and the highest withdrawal fee for debit cards 15 yuan.

2. Handling fee for overseas cash withdrawal of CCB bank card and UnionPay system: debit card 12 yuan+1%; Credit card 12 yuan +0.5% 0.5% Minimum 2 yuan.

3. ICBC bank card overseas withdrawal fee. ICBC's bank cards are withdrawn through UnionPay ATM, and the handling fee is 1%+ 12 yuan, with the lowest 14 yuan and the highest 1 12 yuan.

4. Use the bank card of Agricultural Bank of China to make overseas cash withdrawal through the overseas UnionPay network. The handling fee is calculated at 1% of the cash withdrawal amount, and the overseas handling fee is charged at 12 yuan. Overseas non-UnionPay network: the handling fee is calculated at 3% of the cash withdrawal amount, and the minimum handling fee is USD 3 per transaction or equivalent in other foreign currencies.

5. The free time of each bank is not uniform with the five major banks of industry, agriculture, China, construction and exchange. From 20 17, 1, Bank of China implemented the new free policy from 65438+February 26th. There is still a charge for crossing banks.

Extended data

debit card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

credit card

Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Semi-credit card

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When you pay by credit card? [ 12]? When the balance of the cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the prescribed limited credit limit, and charge a certain interest. There is no interest-free repayment period.

Quasi-credit card is a kind of credit card with China characteristics, and there is no such credit card abroad. At the end of 1980s, China banking introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, China's banking industry carried out some reforms on foreign credit card products, changing the traditional interest-free and interest-free overdraft of foreign credit card deposits into deposit interest-bearing and overdraft interest-bearing ones.

Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, the cardholder can make a small overdraft within the limit approved by the issuing bank, but the overdraft amount bears interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.

On the whole, the characteristics of quasi-credit cards mainly include:

(1) Generally, it is necessary to pay a deposit or provide a guarantor to apply for a quasi-credit card;

(2) Interest is calculated for deposits in quasi-credit cards;

(3) Quasi-credit cards can be overdrawn, but there is no interest-free repayment period for overdrawn funds. Interest shall be calculated from the date of overdraft and must be paid off in one lump sum, with no minimum repayment amount.

As a transitional product in the development of China's credit card industry, quasi-credit cards are gradually withdrawing from the historical stage. In our real life, the use and significance of quasi-credit cards are gradually decreasing.

Baidu Encyclopedia: Bank Card