Is there a handling fee for the elderly to apply for a social security card to receive a pension?

This should be divided into different situations.

First of all, it must be clear that the current social security card is actually a financial integration card, which can be used to pay pensions, which is actually no different from ordinary debit cards. Ordinary debit cards have the same functions as social security cards, such as normal cash withdrawal and normal transfer, as well as various functions such as mobile banking and online banking.

This is no different from ordinary debit cards, so its inter-bank cash withdrawal fee is the same as that of ordinary debit cards.

Let's take a look at the current interbank fees of major banks in China.

In the past, when it comes to inter-bank fees, everyone will feel cold behind them, because in the past, major banks had to charge high fees whether they were in the same city or in different places, or even in different places. For example, the inter-bank handling fee of some banks is as high as 1%, which means that taking 100 yuan will cost 100 yuan, which retirees cannot afford.

However, in recent years, the regulatory authorities in China have stepped up efforts to rectify bank charges. Especially since 2020, in order to benefit the real economy, the regulatory authorities have repeatedly issued a document asking banks to reduce fees, so the inter-bank charges of major banks have dropped significantly, and even some inter-bank charges have been cancelled.

As for the current interbank fees of major banks, they are divided into several categories.

1.

In the past, the same bank could withdraw cash at different outlets in the same city without charging fees, but it had to charge fees across cities. However, at present, the same bank has completely cancelled the handling fee for cash withdrawal at different outlets in the same city or in different places.

2. Inter-bank handling fee.

Inter-bank charges are divided into inter-bank charges in the same city and inter-bank charges in different places.

The term "inter-bank in the same city" here simply refers to the withdrawal of cash from different bank outlets in the same city. For example, the social security card of a retiree belongs to ICBC, but because there are no outlets nearby and there is a branch of CCB recently, the retiree can withdraw cash directly through the branch of CCB.

Cross-bank in different places means withdrawing money from different banks in different cities. For example, the money for retired people was issued by the Industrial and Commercial Bank of China, and the outlet for handling it was Shenzhen, but later I went to Shanghai and went to the Agricultural Bank to withdraw money. The Agricultural Bank was a cross-bank in different places.

According to the regulations of major banks in the past, is the handling fee the same between banks in the same city and banks in different places? Under normal circumstances, the handling fee for inter-bank travel in different places is higher than that for inter-bank travel in the same city.

However, according to the requirements of the regulatory authorities, after September 30, 20021year, the fees charged by major banks for inter-bank cash withdrawals cannot exceed each 3.5 yuan, and the fees charged by banks in the same city or in different places are the same.

At present, many banks can only withdraw about 5,000 yuan from a single ATM, which means that to withdraw 5,000 yuan, 3.5 yuan has to pay a handling fee, which is much lower than before.

But different banks have different rules. Some banks only accept 2 yuan as the maximum amount of inter-bank cash withdrawal fees. For example, the inter-bank ATM withdrawal fees of Huaxia Bank, Jiangsu Bank, Zheshang Bank and Qingdao Bank are all in 2 yuan.

In addition, some banks will charge customers a certain number of times a month for cross-bank cash withdrawals. For example, Guangfa Bank is exempted from inter-bank ATM withdrawal fees for the first three times every month, and will be charged according to 3.5 yuan from the fourth time; Other banks may also have such regulations, which shall be subject to the regulations of their respective banks.

In addition, in July of 20021,industrial and commercial bank, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank all issued announcements at the same time. From July 25th, 20021year, the inter-bank withdrawal fee is temporarily exempted. At present, these banks have not issued a notice to resume inter-bank withdrawal fees, which means that the five major banks are still free at present, but when to resume fees in the future is still unknown.

conclusion

Judging from the current charging standards of major banks, many banks stipulate that cross-bank withdrawals are indeed free, and some banks stipulate that cross-bank withdrawals are free several times a month, but some banks continue to charge, so we still have to take the actual situation as the standard.