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[讨论] [转帖]各种银行卡的收费情况

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发表于 2010-6-2 22:53:00 | 显示全部楼层 |阅读模式
本帖最后由 银行卡没密码 于 2012-7-20 23:43 编辑

<p align="left" style="TEXT-ALIGN: left; MARGIN: 0cm 0cm 9.6pt;"><span style="FONT-FAMILY: Tahoma; COLOR: rgb(51,51,51); FONT-SIZE: 9pt;"><a href="http://www.renren.com/profile.do?id=257304677&_ua_flag=83"><span style="COLOR: rgb(128,0,128);">1 <span style="FONT-FAMILY: 宋体;"><span>中国工商银行:办卡费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,低于</span></span>300<span style="FONT-FAMILY: 宋体;"><span>元收小额账户管理费</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>季度,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>2 <span style="FONT-FAMILY: 宋体;"><span>中国农业银行:办卡费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,低于</span></span>300<span style="FONT-FAMILY: 宋体;"><span>元收小额账户管理费</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>季度,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔(广东省</span></span>4<span style="FONT-FAMILY: 宋体;"><span>元)</span></span>
                                        <br/><br/>3 <span style="FONT-FAMILY: 宋体;"><span>中国建设银行:办卡费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,低于</span></span>500<span style="FONT-FAMILY: 宋体;"><span>元收小额账户管理费</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>季度,且这类账户不给利息,同城跨行取款</span></span>4<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>+<span style="FONT-FAMILY: 宋体;"><span>取款额的</span></span>1%<span style="FONT-FAMILY: 宋体;"><span>(就是说比其他银行异地取款的费用还高,黑心到家了,明显逼着自己的客户不去别的银行取钱,这样别的银行客户来自己</span></span>ATM<span style="FONT-FAMILY: 宋体;"><span>取钱可以坐收佣金,所以大<span>家即便拿着别的银行的卡跨行免费也不要去建行取钱)</span></span></span>
                                        <br/><br/>4 <span style="FONT-FAMILY: 宋体;"><span>中国银行:办卡费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,不收小额账户管理费,同城跨行取款</span></span>4<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>5 <span style="FONT-FAMILY: 宋体;"><span>交通银行:办卡费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,低于</span></span>500<span style="FONT-FAMILY: 宋体;"><span>元收小额账户管理费</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>季度,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>6 <span style="FONT-FAMILY: 宋体;"><span>邮政储蓄:办卡免费,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,绝大多数省市没有收取年费、小额账户管理费</span></span>
                                        <br/><br/>7 <span style="FONT-FAMILY: 宋体;"><span>中国民生银行:办卡免费,无年费,无小额账户管理费(深圳除外),同城跨行取款每月前</span></span>3<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>8 <span style="FONT-FAMILY: 宋体;"><span>中国光大银行:办卡免费,无年费,无小额账户管理费,同城跨行取款每<span>月前</span></span></span>3<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>9 <span style="FONT-FAMILY: 宋体;"><span>中信银行:办卡免费,无年费,无小额账户管理费,同城跨行取款每月前</span></span>2<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>10 <span style="FONT-FAMILY: 宋体;"><span>华夏银行:办卡免费,无年费,无小额账户管理费,同城跨行取款每天(注一是每天不是每月)前</span></span>1<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>11 <span style="FONT-FAMILY: 宋体;"><span>上海浦东发展银行:办卡免费,无年费,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,账户管理费</span></span>12<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,如果账户内余额始终在</span></span>1000<span style="FONT-FAMILY: 宋体;"><span>元以上,或者年内</span></span&gtOS<span style="FONT-FAMILY: 宋体;"><span>刷卡消费一笔(多少都没关系,他们只是在鼓励用卡),则免收。</span></span>
                                        <br/><br/>12 <span style="FONT-FAMILY: 宋体;"><span>兴业银行:办卡免费,无年费,无小额账户管理费,同城跨行取款每月前</span></span>3<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>13 <span style="FONT-FAMILY: 宋体;"><span>招商银行:办卡免费,无年费,同城跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,账户管理费:同一客户在该行资产少于</span></span>10000<span style="FONT-FAMILY: 宋体;"><span>元的,</span></span>1-5<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>月(各分行自行决定,北京</span></span>1<span style="FONT-FAMILY: 宋体;"><span>元,青岛</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,天津</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元,深圳</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元,其余我不清楚),这里的</span></span>“<span style="FONT-FAMILY: 宋体;"><span>日均资产</span></span>”<span style="FONT-FAMILY: 宋体;"><span>指的是在该行的所有存款和国债之和,比如,你在招商银行存了</span></span>10000<span style="FONT-FAMILY: 宋体;"><span>元的定期存单,办了</span></span>10<span style="FONT-FAMILY: 宋体;"><span>张银行卡,每张卡都没钱,那么这</span></span>10<span style="FONT-FAMILY: 宋体;"><span>张卡都不会收钱,但是你有</span></span>3<span style="FONT-FAMILY: 宋体;"><span>张卡,卡内存款分别为</span></span>3000<span style="FONT-FAMILY: 宋体;"><span>元,</span></span>2000<span style="FONT-FAMILY: 宋体;"><span>元,</span></span>2000<span style="FONT-FAMILY: 宋体;"><span>元,总和不到</span></span>10000<span style="FONT-FAMILY: 宋体;"><span>,那么每张卡都会被收费。</span></span>
                                        <br/><br/>14 <span style="FONT-FAMILY: 宋体;"><span>深圳发展银行:办卡免费<span>,无年费,低于</span></span></span>300<span style="FONT-FAMILY: 宋体;"><span>元收取小额账户管理费</span></span>1<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>月,但是只需</span></span&gtOS<span style="FONT-FAMILY: 宋体;"><span>刷卡消费</span></span>1<span style="FONT-FAMILY: 宋体;"><span>次就可以免一年,所以基本上不会被收,同城跨行取款完全免费(深圳、成都、重庆除外,</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔)</span></span>
                                        <br/><br/>15 <span style="FONT-FAMILY: 宋体;"><span>广东发展银行:办卡免费,无年费,无小额账户管理费,无论同城还是异地跨行取款每月前</span></span>3<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>3<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔</span></span>
                                        <br/><br/>16 <span style="FONT-FAMILY: 宋体;"><span>渤海银行:原则上办卡</span></span>20<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>20<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,低于</span></span>5000<span style="FONT-FAMILY: 宋体;"><span>元收取账户管理费</span></span>5<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>月,但实际上办卡免费,无年费,无小额账户管理费,同城跨行取款完全免费,这是一家新成立的有全国牌照的银行(总共全国就</span></span>18<span style="FONT-FAMILY: 宋体;"><span>家),目前只在天津、北京、济南<span>、太原、杭州、唐山、成都有营业网点。</span></span></span>
                                        <br/><br/>17 <span style="FONT-FAMILY: 宋体;"><span>恒丰银行:办卡免费,无年费,无小额账户管理费,全国范围内跨行取款</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,目前该行只在烟台、青岛、济南、杭州、南京有营业网点。</span></span>
                                        <br/><br/>18 <span style="FONT-FAMILY: 宋体;"><span>浙商银行:办卡</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元,年费</span></span>10<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>年,无小额账户管理费,同城跨行取款每月前</span></span>3<span style="FONT-FAMILY: 宋体;"><span>笔免费,以后</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,目前该行只在杭州、宁波、温州、义乌、上海、南京、成都、西安、天津有营业网点。</span></span>
                                        <br/>19 <span style="FONT-FAMILY: 宋体;"><span>南京银行</span></span>:<span style="FONT-FAMILY: 宋体;"><span>所有费用全免,在中国境内任何一台</span></span>ATM<span style="FONT-FAMILY: 宋体;"><span>机上取款不收取任可费用。</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>以上是拥有全国牌照的</span></span>18<span style="FONT-FAMILY: 宋体;"><span>家银行的具体情况。</span></span>
                                        <br/><br/><span style="FONT-FAMILY: 宋体;"><span>网上银行中,工商银行、招商银<span>行、民生银行、浦发银行的功能最全。农行、建行、中行、交行、华夏、兴业、深发展、光大也完全能够满足需要。广发的功能弱一些,三小行也是,邮政还没有完整意义上的网上银行。</span></span></span>
                                        <br/><br/><span style="FONT-FAMILY: 宋体;"><span>此外,地方性银行、城市商业银行、城市信用社(大城市肯定没有)、农村商业银行(大城市郊区)、农村信用社(中小城市郊区)的卡也不错,收费一般都比较低,可以尝试。</span></span>
                                        <br/><br/><span style="FONT-FAMILY: 宋体;"><span>大型地方性城市商业银行:</span></span>
                                        <br/><br/><span style="FONT-FAMILY: 宋体;"><span>北京银行</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>上海银行</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>天津银行</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>深圳平安银行</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>徽商银行</span></span>
                                        <br/><span style="FONT-FAMILY: 宋体;"><span>廊坊银行</span></span>……<br/><br/><br/><span style="FONT-FAMILY: 宋体;"><span>从上面的收费标准看,如果使用建设银行的卡,千万尽量减少跨行取款。最好不要办理建设银行<span>的卡,除广东外,农业银行同城都是</span></span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔,工商银行全国都是</span></span>2<span style="FONT-FAMILY: 宋体;"><span>元</span></span>/<span style="FONT-FAMILY: 宋体;"><span>笔。</span></span><span><span>
                                                </span></span><span style="FONT-FAMILY: 宋体;"><span>最好的且好用的就是南京银行了,因为它在全国都不收任何费用,包<span>括它行的取款<span>机</span></span></span></span></span></a></span></p><p style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 11.5pt;"><span style="FONT-FAMILY: Times New Roman;"> </span></span></p>

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