The number of charges, the bank can arbitrarily?

Recently, with the cost of private Lingchao Counting the abolition of depositors of the bank "arbitrary" fees continue to denounce the phenomenon, many banks have on the reasonableness of fees generated questions.

Zhang is a consulting firm in Beijing, Financial Street white-collar work, not long ago, he saw the Internet by the China Banking Regulatory Commission, the National Development and Reform Commission jointly drafted the "price of commercial banking services management approach (draft)" ("the request the draft "), you suddenly realize:" Banks really 'black'! "

Zhang from the published "draft" to see the bank's various fees add up to nearly 3,000 are numerous number of directly involved in the majority of depositors have more than 30. Although the "draft" clearly a seven service shall not charge any fees, and has issued the commercial banks and the local pricing department for advice. But Ming will be looking at these fees and charges prohibited or startled, "I do not know these items actually have been charged!"

Zhang unclear how much consumers like him caught in a variety of shops and bank fees in the program. He did not know that the "comments" after the introduction of the corresponding management practices of banking services can reach the arbitrary charges of the "Achilles heels."

So, what bank charges dispute it?

Small account management fees

- "Bank Pingsha Xianpinaifu"

Chinese people have a "rainy day" tradition, most people used to put money in the bank, because they think "money into the Dell INSPIRON 1720 Battery, not lost, there is interest, it would not be devalued."

Case: chai Beijing residents to the bank to withdraw money in 2009 and found nine years ago, kept the 100, was banking buckle down to the more than 60 yuan.

Controversy: Consumers believe that, technically, bank management 100 management of one million yuan accounts and accounts of the workload is the same, why have not heard of one million to clean up deposits in the account? Banks to small savers such acts of discrimination, is a typical Xianpinaifu. Small banks in the account management fee income until the balance is not enough to remind depositors charge directly through the system, wait until after the discovery of depositors, the money has been designated to go. If financial management to improve customer awareness, banks should take the initiative to advise, not direct "stealing money."

Bank believes that many customers are often among the different banks to open multiple accounts, the formation of many idle years of inactivity, "Sleep account" of the financial accounts created a huge waste of resources. Bank hopes to receive account management fees, making it idle account customers can effectively merge under the name of the bank account, to enhance their awareness of financial planning clients.

Charge: The Case of Beijing, ICBC, deep distribution below 300 yuan, China Construction Bank, Agricultural Bank of China, Beijing Rural Commercial Bank account for less than 500 micro-management fee 12 yuan per year; Bank and Minsheng Bank, China Bank, Industrial Bank, China CITIC Bank, China Everbright Bank, Guangdong Development Bank, Bank of Beijing free of small account management fees; CMB than 10,000 small account management fee is 36 yuan per year.

Password reset costs

- "Not understand, do not understand"

If you forget the password bank card or passbook how to do? Is very simple to the bank to re-replacement of a like, but the banks have to charge you a password reset fee, and the price is not cheap.

Case: Beijing depositors Ms. Wang since forgotten the password had to go to the bank card network to re-organize a counter, did not expect that such a simple business, banks actually have to charge 10 yuan opening password reset fee.

Controversy: the consumer think that they bring their identity cards and other documents sufficient to prove that the card is their own, but the bank insisted that this is a requirement to be paid. Bank reset the password as an easy task in the service business, should not have to charge extra fees back to customers, but did not think banks or the "Lion's Mouth", which made it difficult to accept her as a client. Insiders said the bank card password reset costs for the banks business is almost zero in just a few seconds to complete.

Banks that cardholders forget your password, you must first reported the loss, and then set a new password. Report of loss with the book and bank cards as password forgotten need to report the loss, the money is actually the password report the loss costs. The banks report the loss to customers when handling code, to pay a certain amount of manpower, material resources, the banks only "according to labor charges."

Fee: The Bank of China, Construction Bank, Agricultural Bank of China, ICBC, Bank, China Merchants Bank, Minsheng Bank, Industrial Bank, Beijing Bank, Shanghai Pudong Development Bank password reset fee shall be 10 yuan.

Charge transfer failure

- "No dry 'live' also collect money"

When you make interbank transfers, the bank is to charge a fee, and this uncommon, but when the transfer failed banks still want to ask you whether you charge, how can you do?

Case: Beijing residents very fact that not long ago to a bank network to a friend's account a sum of apple powerbook g4 battery exchange and was told to submit successfully. In accordance with the provisions of the banks, she paid a 50 yuan fee. A day later, Ms. Zhang received a friend's phone, the other party that did not receive the money. She go to the bank a check to know, transfer is not successful, exchange money and were returned out of her account. But let her figure out that some banks do not give back 50 handling fee.

Controversy: the consumer that this is caused banking system itself, not its cause. No dry "live" approach also can not accept money. The banks can not accept such deductions, is a typical "Overlord clause."

Bank that the banks accept Interbank funds transfer business, to the receiving bank can not Heshi accurate information, but fee is for customers Caozuo Interbank funds transfer transaction costs incurred, even if the transfer did not succeed, but if the Bank completed the transfer formalities , would charge a fee. Interbank funds transfer between banks now need the help of the central bank's large business, micro-payment system to complete, each transaction needs to pay the fee to the bank. This fee is actually the cost of using the channels.

Charges of: ICBC, China Construction Bank, Agricultural Bank of China, Bank of China, Bank, CITIC Bank and other banks on the interbank transfer fees have similar requirements: that both the client's own reasons, or the whole process of running the reasons, the final lead to cross-bank transfer did not succeed, banks must charge a fee.

Replacement passbook fee

- "'IOU' have to spend money on?"

Depositors with the book a long time, inevitably lead to demagnetization of the wear occurs, if withdrawals to the bank when the book can not be used, the banks will let you and back to a book, the old to the bank, the new must pay Buy.

Case: Ms. Sun to the bank depositors withdraw money, the bank informed the book is degaussing, and need for a book, Ms. Sun agreed, but the banks have to spend 6 dollars production cost of its purchase of a new Dell INSPIRON 8600 Battery.

Controversy: the consumer that the money is very small but very uncomfortable. Moreover, the book degaussing may also be caused by the banking production quality, and can not blame the customer. As an example, is like me to lend you money, you should give me a promissory note, this is a matter of course, but you called me a promissory note, an IOU that you let me give it to you, it is too unreasonable. By the same token, I saved money in your bank, you gave me the credentials to be more normal, why the credentials to make the money to pay depositors?

This, a bank that the book is cost, and did not have any charges, we used to enjoy the free service, so not used to Bale. The new book needs to be replaced after use, the bank wanted to reduce the book this way of charging and usage, to promote low-carbon environment. At the same time, fees can also guide clients through the rational use of bank accounts, such as debit cards can be used to do as much as possible cards, debit cards can handle the majority of ATM banking, this can also reduce the manpower.

Charge: The Merchants Bank passbook replacement cost 10 yuan, Bank of China and Agricultural Bank passbook replacement cost five yuan, China Construction Bank passbook replacement costs 3 yuan, the bank passbook replacement cost 2 yuan.

Print on the bill charges

- "Should not be charges"

How much money, go to the bank to print a bill; would like to see the recent extraction of housing fund and the loan details of eyes and tables, you can, but need 交钱.

Case: before, the people of Beijing Liu to a bank for nearly a year of mortgage loan repayment details, 5 A4 paper, bank "asking price" 10 yuan.

Controversy: Consumers think it is to print an A4 copy paper, a general store up to 0.2 yuan, even in high-end business, but also a place to print yuan, bank charges Why so high? Should be provided on the bill is a project bank card services, bank account to manage the cost of annual income per card annual fee, customers need a service which charges CMB then, this patently unreasonable.

Banks that print on the bill for the APPLE A1175 Battery, mainly in two ways cost. On the one hand, this requires paper and printing equipment; the other hand, one needs to print Liushui Zhang backstage access to information, which occupied the bank's network resources, while the print generally takes a long time, which takes up staff time bank may delay the processing of other client's business.

Fee: The Bank of China, ICBC charges 5 yuan to 100 yuan from the range, the more long time to print the bills, charges more expensive. Bank of China, 3 years ago, the printing fee bill 100. Wide from July 1 issue of charge from the bill printing costs, print a year on the bill, a transaction flow 10 per year / month / time. Agricultural Bank of China and China Construction Bank to print bills of charge.

SMS notification fee

- "Why do not press 'articles' fees?"

"Your tail number is × × × × × × a bank card when spending 1,000 yuan, in particular, prompt." Many consumers have received such a bank in an SMS tips, consumers also feel that such a convenient way to remind practical. But few people know, the banks will facilitate the prompt way for this charge two yuan a month to 3 yuan costs down and have to spend more than 30 yuan a year.

Case: Aunt Zhang retired workers, when in view bank statements and found that 36 yuan deducted "SMS fee."

Controversy: the consumer that she did not use the phone, do not apply over the business, why get their 36 yuan? The current monthly fee is not reasonable, because once opened cardholders SMS notification services, regardless of whether the consumption of the month, fees are not errors according to income. If the press section to pay the more reasonable. The user also said that banks charge an annual fee on the card itself, SMS should be included within the annual service fee, not to mention that some banks are free of charge for this service.

Bank believes that this short message is to remind depositors money out of account the security situation.

Charges of: ordinary savings acer batcl50l laptop battery, for example, the Agricultural Bank, China Merchants Bank SMS notification free of charge; Minsheng Bank provides, opened the business charged two yuan, then monthly fee-free; China Construction Bank, ICBC monthly charge 2 yuan.