Industrial Bank Comprehensive Service Price List

Business category	No.	Service item	Charging rates	Incentives	Service Content	Remarks
Domestic Payment and Settlement	000101	Account Management	Retail customers: Annual fees for credit cards (50% for supplementary cards unless otherwise specified): Common card: RMB 80–100/card (or set); Gold card: RMB 200/card (or set); Platinum credit card (elite version)/titanium credit card: RMB 500/card (principal card/supplementary card); Platinum credit card (edge version): RMB 600/principal card (no supplementary card temporarily); Platinum credit card (YOU series): RMB 900/principal card, RMB 600/supplementary card; Platinum credit card (standard version): RMB 2,600/principal card, RMB 1,200/supplementary card; Centurion Platinum Card: RMB 6,000/principal card, RMB 3,000/supplementary card; Diamond card: RMB 15,000/card (principal card/supplementary card) Additional charging rates for special credit card products: GOLF platinum credit card: principal card/supplementary card: RMB 9,000/card; Shanghai Benz Platinum Joint Credit Card: RMB 3,500/card; QQ Show Credit Card (Physical Card): MINI card: RMB 40/card.		Retail customers: Annual fees for credit cards: to provide the cardholders with financial service, relevant value-added service and rights and benefits.	Retail customers: Annual fees for credit cards: as to any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as to any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified. IB will not refund any annual fees that have been collected. If the personal credit record suffers any unfavorable affects due to the failure to pay the annual fees on time, the cardholders should bear such affects themselves.
			Institutional clients: Account opening: The handling charge of RMB 50 in a lump sum for each RMB corporate settlement account; Account management charge: If a RMB corporate settlement account is opened for three months and the daily mean balance in the three months is not more than RMB 10,000 (inclusive), RMB 30 -150/account will be charged each quarter; if the daily mean balance in the three months is more than RMB 10,000, RMB 15-75/account will be charged each quarter. Annual fees for credit card: Business card (UnionPay): RMB 300 / card; MasterCard Business Travel Credit Card / VISA Corporate Card: gold card: RMB 300 / card; standard card: RMB 100 / card.	Institutional clients: 1. The account opening fee for the corporate bank settlement account of all customers is charged at a 50% discount of the charging standard, which extends from April 30, 2022 to June 30, 2025; 2. Account management charge and annual fee for credit card are exempted, which extends from September 30, 2021 to June 30, 2025.	Institutional clients: 1. Account opening: to open RMB corporate banking settlement accounts for customers according to their application; 2. Annual fees for credit cards: to provide the cardholders with financial service, relevant value-added services and rights and benefits.	Account opening and management fees: excluding escrow accounts. Annual fees for credit card: As to any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as to any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified; IB will not return the annual fee that has been paid; any adverse effect on personal credit record caused by overdue payment of annual fee should be borne by the card holder.
	000102	Production cost	Retail customers: 1. Production cost of IC credit cards: RMB 5 a card, except for cards with separate charging standards; 2. Production cost of specially designed credit cards: RMB 0–3888 a card (the price is determined according to the card theme, design, supporting production process and optional card number and other individualization services); 3. Production cost of dynamic tokens: charged according to the cost price; 4. Production cost of Bluetooth Webprotect prefabricated certificate: charged according to the cost price; 5. Production cost of the Deluxe Card for Collection (Metal Version): RMB 2880 a card.	Retail customers: Bluetooth Webprotect prefabricated certificate: diamond customers are free of charge, which is valid from July 1, 2021 to June 30, 2025.	Retail customers: 1. Production cost of IC credit cards: to issue a new IC credit card or replace an IC credit card, including  issuing a new IC credit card, replacing an IC credit card with a new IC credit card, and replacing a magnetic strip credit card with an IC credit card. 2. Production cost for specially designed credit cards: to issue or replace a specially designed credit card for clients. 3. Production cost for dynamic tokens: a kind of security verification means for electronic banking, used for handling electronic banking transactions with risks. 4. Production cost of Bluetooth Webprotect prefabricated certificate: IB adopts the third-party digital certificate issued by China Financial Certification Authority (CFCA), the only state-level electronic certification institution in the field of finance in China, to identify and authenticate the Mobile banking and personal Internet banking customers. 5. Production cost of the Deluxe Card for Collection (Metal Version): to open or replace the Deluxe Card for Collection (Metal Version) for clients.	Retail customers: 1. Production cost of IC credit cards: it is charged for new card issuance, card re-issuance or replacement , but not for card renewal. Production cost of IC credit cards and specially designed credit cards are charged after the cards are activated. 2. Production cost is charged for opening or replacing a Deluxe Card for Collection (metal version), enjoying no preferential policies about concession or exemption; 3. Production cost for specially designed credit cards: it is charged for new card issuance, card reissuance or replacement and card renewal (including optional card surface) after the card is activated; the optional service of the same card number is only charged once after the new card is activated.
			Institutional clients: Production cost of prefabricated certificate: the production cost of 2nd-generation Bluetooth prefabricated certificate and 1st-generation Bluetooth prefabricated certificate are charged at the cost price; Production cost of corporate settlement card: RMB 10/card; Production cost of IC credit card: RMB 5 a card; Certificate production cost: charged according to the certificate printing cost prices.	Institutional clients: IB Steward App blue tooth prefabricated certificate: From December 30, 2016 to June 30, 2025, the 2nd-generation blue tooth prefabricated certificate is free of charge. Note: The preferential measures above are applicable to the newly-bound blue tooth prefabricated certificate after the opening of IB Steward App service during the implementation of the preferential measures.	Institutional clients: 1.Prefabricated certificate: Device provided to Internet banking customers for digital signature and secure encryption of the online service for customers. IB adopts the third-party digital certificate issued by the certificate issuing institution with the electronic certification service license such as China Financial Certification Authority (CFCA) for customer identification and certification. 2. Production cost of corporate settlement card: production costs of opening and replacement (including reissuance for loss) of corporate settlement card. 3. Production cost of IC credit card: To issue a new IC credit card or replace an IC credit card, including issuing a new IC credit card, replacing an IC credit card with a new IC credit card, and replacing a magnetic strip credit card with an IC credit card. 4. Certificate production cost: production costs of other vouchers like entrustment letter for settlement business are collected from recipients according to the printing cost prices.	Institutional clients: Production cost of IC credit cards: it is charged for new card issuance, card reissuance or replacement , but not for  card renewal. The production cost of credit cards is charged after the card is activated.
	000103	Default Penalty of Credit Cards	Charged at 5% of the outstanding balance of the minimum repayment, minimum RMB 20 or USD 3		The handling charge collected because the amount repaid by the cardholder before the due repayment date (inclusive) is less than the minimum repayment.
	000104	Handling Charges for Cash Withdrawal or Transfer of Credit Cards	1. Handling charges for cash advancement (including overdraft transfer): 2% of the amount, not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction (regardless of being local or non-local); 2. Handling charges for cash withdrawal or transfer of overflow payment: charged at the rate of 0.5% of the amount, not less than RMB 5 or USD 1 per transaction and not more than RMB 50 or USD 10 per transaction,and cardholders can transfer the overpayment of credit card to their domestic account in the same bank free of charge; 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit cards, VISA/MasterCard single-brand credit cards): 2% of the amount, not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction.		1. Handling charges for cash advancement (including overflow transfer): to provide the cardholders with the service of cash advancement (including overflow transfer) via multiple channels; 2. Handling charges for overpayment cash withdrawal or transfer: to provide a customer with a withdrawable channel and service for the amount of funds over the overflow limit in the credit card account of the customer. 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit cards, VISA/MasterCard single-brand credit cards): this Bank and the card association jointly provide emergent support service for the oversea travel of a customer in case of  emergent circumstance that may occur to the customer overseas.	Institutional clients: The business procurement credit card (standard business card) does not have the functions of cash advancement, cash withdrawal of overpayment and overseas emergency cash withdrawal.
	000105	Charges for Loss Report	Retail customers: Report loss fee for credit card (excluding replacement card): RMB 50/card for common cards and UnionPay business cards; no charge for other cards.		Retail customers: The service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or occupied unlawfully by another person.
			Institutional clients: Report loss fee for credit cards (excluding card re-issuance): RMB 50/card for common cards and UnionPay business cards, and no charge for other cards. Report loss fee for commercial bills: 0.1% of the par value (with the minimum charge of RMB 5);		Institutional clients: Report loss of credit cards: the service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or occupied unlawfully by another person; Report loss of commercial bills: the service provided to safeguard the property safety of an acceptor or a drawer in the event of loss or theft of commercial bills.
	000106	Handling Charge for Withdrawal	Retail debit card customers: Overseas ATM Withdrawal: RMB (12+0.5%* cash withdrawal amount) is charged for each transaction (excluding the ATM service fees additionally charged by overseas ATM acquirers from cardholders); Domestic Inter-bank ATM Withdrawal: the first 3 transactions each month are free of charge regardless of local or non-local withdrawal, and RMB 3.5 is charged for each transaction from the 4th transaction of the month. “UnionPay Counter Pass” Inter-bank Withdrawal: charged at 0.1% of each transaction amount, with a minimum of RMB 3 and a maximum of RMB 50 for each transaction. Farmer Assisting Withdrawal: charged at 0.45% of each transaction amount, with a maximum of RMB 9 per transaction. Special service for Migrant Worker Bank Cards: the handling fee for each withdrawal is charged at 0.5% of the withdrawal amount, with a minimum of RMB 1 per transaction and a maximum of RMB 20 per transaction.	Retail customers: Overseas ATM Withdrawal: 1. The diamond, black gold and platinum customers may enjoy exemption of fees for the first 3 transactions each month, and gold card users may enjoy 50% discount for the first 3 transactions in each month, which extends from January 1, 2017 to June 30, 2025. 2. The Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users may enjoy the exemption for the first 3 transactions each month, which extends from January 1, 2017 to June 30, 2025. Among them, the preferential treatment for Unbounded Debit Cards and Teacher Respect Cards extends from the product’s launch date to June 30, 2025. 3. The Universal Wage Card users may enjoy the exemption for the first 5 transactions in each month, which extends from the product’s launch date to June 30, 2025. 4. The Enjoyable Life Card users may enjoy the exemption for the first 3 transactions each month, which extends from September 1, 2021 to June 30, 2025. Domestic Inter-bank ATM Withdrawal: 1. The diamond, black gold and platinum customers may enjoy the exemption for the first 10 transactions each month. Gold card users may enjoy a 50% discount for the 4th–10th transactions in each month, which extends from January 1, 2017 to June 30, 2025. 2. The Wage Card (including Universal Wage Card) users may enjoy the exemption for the first 20 transactions each month, which is valid from July 1, 2024 to June 30, 2025. 3. The IB Military Support Card users may enjoy the exemption for the first 10 transactions each month, which is valid from June 1, 2019. 4. The Financial Social Security Card users may enjoy the exemption for the first 10 transactions each month, which extends from April 1, 2021 to June 30, 2025. 5. The Enjoyable Life Card users may enjoy the exemption for the first 10 transactions each month, which extends from July 24, 2021 to June 30, 2025. 6. Migrant Worker Salary Card (including New Citizen Debit Card) users may enjoy the exemption for the first 20 transactions each month, which extends from April 1, 2021 to June 30, 2025.Among them, the preferential treatment for New Citizen Debit Card users extends from the product’s launch date to June 30, 2025. Farmer Assisting Withdrawal is free for the first transaction per card each month, which extends from May 1, 2022 to June 30, 2025.	Retail customers: Overseas ATM withdrawal/domestic inter-bank ATM withdrawal: to provide debit card users of IB with the service of handling inter-bank withdrawal via the ATM of another overseas/domestic bank with the symbol of “UnionPay” and other card association; “UnionPay Counter Pass” inter-bank withdrawal: to provide IB debit card users with inter-bank withdrawal service via UnionPay network over the counter of member outlets which jointed “UnionPay Counter Pass” business; Farmer assisting withdrawal: to provide debit card clients of this Bank with the service of small amount withdrawal, through bank card acquiring terminals set up by UnionPay acquirers in designated cooperative merchant service points in villages and townships (or towns). Special service for migrant worker bank cards: to provide inter-bank withdrawal services over the counter to the debit card clients of this Bank at a county-level regional credit cooperative, the Postal Savings Bank of China and other acquiring institutions.	Retail customers: The regions where “UnionPay Counter Pass” service has been opened include Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian) and Heilongjiang. The latest opened regions are subject to the latest announcement of this Bank. The specific acquiring outlets are subject to the announcement of other banks.
			Institutional clients: Handling charge for inter-bank ATM withdrawal with corporate settlement cards: The first 3 transactions each month are free of charge regardless of local or non-local withdrawal, and RMB 3.5 is charged for each transaction from the 4th transaction of the month.		Institutional clients: Handling charges for inter-bank ATM withdrawal with corporate settlement cards: to provide cardholders with inter-bank withdrawal service via UnionPay-labeled ATM.
	000107	Commission Fee for Settlement of Franchised Merchants	The handling fee for settlement of franchised merchants is collected by acquirers from merchants, including handling charges of the issuing bank, UnionPay transfer service fee and the acquiring bank service fee, which are charged according to agreements.	Bank card swiping and acquiring business: 1. For the debit card acquiring service fee of standard merchants, the fee is charged at a 10% discount of the guiding price standard of bank card swiping fees set by this Bank in 2016 (0.45% for debit card), capped at RMB 20 per transaction. The preferential treatment is valid from September 30, 2021 to June 30, 2025; 2. For the acquiring service fee of preferential merchants, the fee continues to be charged at the rate of not less than 22% discount of the guiding price standard of bank card swiping fee set by this Bank in 2016. The preferential treatment is valid from September 6, 2016 to June 30, 2025; 3. This Bank has implemented exemption for the acquiring service fee of reduced or exempted merchants.	To provide the service of acquiring bank card payment and code bar payment, capital settlement, inquiry and for the franchised merchants of this Bank.
	000108	Charge for Re-issuance and Replacement of Credit Cards	RMB 20 each card; no additionally fee for ordinary mailing, and an additional charge of RMB 20 each letter for necessary express delivery.		When cardholders cannot use their credit cards due to damage, breakage, indistinct signature or demagnetized magnetic strip of their cards, or under other special circumstances, card re-issuance and replacement services may be provided to customers. Express delivery and mailing service is also available upon the request of customers.	Retail customers: No such charge for the following products: UnionPay VIP platinum credit cards, GOLF platinum credit cards, Xing platinum credit cards, IB & Xiamen Airlines Egret co-branded platinum credit cards, IB & Shanghai Benz co-branded platinum credit cards, Business Express diamond credit cards, and platinum credit cards (standard version).
	000110	Credit card Overseas Emergency Services	1. Service charge for overseas urgent card re-issuance: VISA card: USD 175 each card only for the common cards are charged. Other cards are free of charge. 2. Service charge for overseas urgent cash withdrawal: USD 175 each card and USD 95 each card only for the common cards of VISA card And MasterCard respectively. Other cards are free of charge; The above overseas urgent services should be subject to the charging standard of the card association.		1. Overseas urgent card re-issuance: urgent card re-issuance service for cardholders who need emergency card due to card loss, theft or damage overseas. 2. Overseas urgent cash withdrawal: urgent cash withdrawal service for cardholders who need emergency cash due to card loss, theft or damage overseas.	1. Service charge of overseas reissuance of an urgent replacement card: only for VISA dual-currency credit card, VISA single-brand credit card. 2. Service charge of overseas urgent withdrawal: only for dual-currency credit card, and VISA/MasterCard single-brand credit card. Among them, the business procurement credit card (standard business card) has no cash advance function.
	000111	Handling Fee for Remittance in Overseas Transactions (only for dual-currency credit cards, VISA/MasterCard single-brand credit cards)	Charged at the rate of 1.5% of the transaction amount.		This Bank provides the service of converting the card settlement currency into the local currency to a customer who settles non-USD consumption with VISA or MasterCard gateway in overseas transactions.
International Payment and Settlement	000301	Handling Fee for Dishonor of Clean Collection	RMB 50 each transaction.		If the clean bill for collection is refused overseas, the service of applying for dishonor of the clean bill overseas is provided to the customer.
	000302	Outward Remittance	1. Handling charges for outward remittance (Retail customer): Charged at the rate of 0.1% of the remittance. Down to RMB 50 and up to RMB 200 is charged for each transaction of overseas remittance. Down to RMB 20 and up to RMB 100 is charged for each transaction of domestic remittance. Remittance to domestic accounts of this Bank will be exempted from the handling charge. Telecommunication fee (if any) for overseas or domestic remittance and the charge collected on behalf of other banks (if any) are otherwise collected from the customer. For cross-border foreign exchange remittances opting for the small amount full amount credited service (for remittance amounts equivalent to USD 10,000 or less), an additional fee of 50 RMB per transaction will be charged on top of the handling fee and telecommunication fee (if any), and no further charges for intermediary bank fees will be collected. 2. Handling charges for outward remittance (Organization clients): Charged at the rate of 0.1% of the remittance.Down to RMB 50 and up to RMB 1,000 will be charged for each transaction of overseas remittance. Down to RMB 20 and up to RMB 200 will be charged for each transaction of domestic remittance. Telecommunication fee (if any) for overseas or domestic remittance and the charge collected on behalf of other banks (if any) will be otherwise collected from customer. For cross-border foreign exchange remittances opting for the small amount full amount credited service (for remittance amounts equivalent to USD 10,000 or less), an additional fee of 50 RMB per transaction will be charged on top of the handling fee and telecommunication fee (if any), and no further charges for intermediary bank fees will be collected. 3. For the remittance from a cash account, cash-to-remittance fee is charged at the price differences of foreign exchange rate announced on the current day. 4. Handling charges for inquiry of outward remittance: RMB 100 is charged for an inquiry of a transaction within three months, RMB 200 for a transaction beyong three months but within six months and over RMB 300 for a transaction beyond six months.The telecommunication fee and the charge collected on behalf of other banks are otherwise collected from the customer. 5. Handling charges for modification of remittance instruction/countermand and return of remittance: RMB 100/transaction. The telecommunication fee and the charge collected on behalf of other banks are otherwise collected from the customer.	Outward remittance (Retail customer): 1. Remittance handling charges: VIP customers may enjoy concession/exemption of fees i.e. the diamond, niello and platinum customers may enjoy exemption and gold card users may enjoy a 50% discount, which extends from January 1, 2016 to June 30, 2025. Such preferential treatment for VIP customers is not applicable to other fees, such as telecommunication fee, cash-to-remittance fee and those charged by overseas banks. 2. For Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users, cross-border foreign exchange remittance is exempted from the handling charge, which extends from January 1, 2023 to June 30, 2025. 3. For Universal Wage Card, if the deposit balance reaches an amount equivalent to RMB 5000 (inclusive), cross-border foreign exchange remittance is exempted from the handling charge, which extends from the product’s launch date to June 30, 2025. 4.For Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users, cash-to-remittance fee is exempted from  charge, which extends from July 1, 2024 to June 30, 2025. Outward remittance (Institutional customer): For the outward remittance between domestic branch systems of this Bank, the handling charge is exempted, which extends from July 1, 2023 to June 30, 2025.	1. Outward remittance: to provide remitters with the payment services of cross-border foreign currencies, domestic foreign currencies and cross-border RMB to domestic and overseas payees. 2.Small amount full amount credited service: In cross-border foreign exchange remittance transactions, this innovative service allows remitters to send small amounts equivalent to $10,000 or less. The fees charged by foreign banks are no longer deducted from the principal amount of the remittance but are instead collected directly from the remitter as a fixed fee. This ensures that the overseas recipient can quickly receive the full amount of the remittance. 3. Cash-to-remittance fee:to provide remitters with the service of converting foreign currency banknotes to foreign currency cash remittances. 4. Inquiry of outward remittance: to handle the inquiry about outward remittance for customers. 5. Modification of remittance instruction/countermand and return of remittance: to modify the remittance instruction or cancel and return the remittance.	1.Communication fee is charged based on “Communication Fee” item of the Comprehensive Service Price List. 2.amount must be within the equivalent of US$10,000 and all banks in the remittance chain must have launched the service. The remittance interface will prompt customers that they can use the small amount full amount credited service.
	000303	Handling Fee for Return of Inward Remittance	USD 20/transaction (including telecommunication fee)		To handle remittance return service for customers.	The beneficiary of the clean collection requires re-exchange: charged at the rate of return of inward remittance if paid already (the beneficiary of the clean bill for collection requires re-exchange of the paid notes).
	000305	Communication Fees	Retail customers: Telecommunication fee of message: RMB 100/transaction; the telecommunication fee of SWIFT message borne by other banks or the beneficiaries is charged at the rate of USD 25/transaction or other equivalent value from the party bearing the expense.	1. Diamond customers are free of telecommunication fees. 2. Telecommunication fees of cross-border foreign exchange remittance messages of Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers are exempted for the first 30 transactions during the preferential treatment period, which extends from  July 1, 2024 to June 30, 2025. 3. For a non-diamond customer, if balance in a Universal Wage Card reaches an amount equivalent to RMB 5000 (inclusive), the telecommunication fee is charged RMB 50 per transaction for cross-border foreign exchange remittance messages, which extends from the product’s launch date to June 30, 2025. 4. If SWIFT message fee is assumed by other banks or beneficiaries, the said preferential treatment is not applicable.	Retail customers: To send various messages outwards as applied by customers.
			Institutional clients: Telecommunication fees for  telegraphic transfer letter of credit: RMB 200 per transaction; Telecommunication fee for a letter of guarantee (including standby letter of credit): RMB 100 per transaction; Telecommunication fee: RMB 100 per transaction; bank-enterprise direct global fund management account reporting telecommunications fee may be charged according to the monthly package of the account and the agreement; the telecommunication fee of message like SWIFT borne by other banks or beneficiaries is charged at the rate of USD 25 / transaction or other equivalent value; Mailing fee (common registered mail or EMS): Charged at the rate of charges of the express delivery supplier or the post office.	Reporting telecommunications fee of bank-enterprise direct global fund management account is waived from September 15, 2021 to June 30, 2025.	Institutional clients: 1. Telecommunication fees for telegraphic transfer letter of credit: At the request of the client, this Bank provides clients with the service of telegraphic transfer letter of credit by message and telecommunication; 2. Telecommunication for a letter of guarantee (including standby letter of credit): At the request of the client, this Bank provides clients with the service of issuance of a letter of guarantee (including standby letter of credit) by message and telecommunication; 3. Telecommunication: According to clients’ application, provide the service of sending various messages like SWIFT, including the service of sending messages to provide account report to clients in bank-enterprise direct global fund management service. 4. Mail: The service of mailing various documents according to clients application.	If bank-enterprise direct global fund management business involves transfer and remittance, the fee will be collected based on standards of the handling fees for transfer and remittance.
	000307	Handling Fee for Acknowledgement of Pledge	RMB 100 each transaction		To provide customers with the separate service of acknowledgement of authentication keys through message in such cross-border settlement business as remittance, letter of credit, etc.
	000308	Inquiry/collection Handling Fee	RMB 100 for each transaction; USD 30 for each transaction from overseas.		To provide customers with the service of inquiry and collection through message in such cross-border settlement business such as remittance, letter of credit, etc.
	000309	Handling Fee for Loss Report and Countermand of Foreign Currency Bills	RMB 100 each transaction		To provide services of loss report and countermand for foreign currency bills for customers in case of loss of the bills.
	000805	Foreign Exchange Collection and Settlement Business of Export Cross-border E-commerce	Handling charges for foreign exchange collection and settlement businesses of export cross-border e-commerce: 0.1%–0.6% of the amount received by merchants from overseas.	waived from July 1, 2021 to June 30, 2025.	For customers who register on this Bank's management platform for cross-border e-commerce foreign exchange business and receive payments through the platform, thish Bank provides the service such as overseas collection, domestic settlement of foreign exchange (enforced according to the foreign exchange rate announced by this Bank), and fund payment reception into accounts.	Charge will be collected according to the currency of withdrawal.
Agency Service	000401	Fund Custody Transfer Charge	RMB 20 per transaction generally		To provide a holder of fund shares with the service of transferring out the fund shares held in the account of this Bank in a whole or in part into an account of another sales institution.
	000402	Handling Charge for Entrusted Loans	Charged by agreements		This Bank (i.e., the entrustee) provides agency loan origination, monitors the use of loans and assists to call in the loans according to the loan target, purpose, amount, term, and interest rate decided by the entruster.	The method to collect the handling charge from the entruster for entrusted loan from the entruster should be stipulated in the entrustment contract by and between the entruster and IB.
	000403	Handling Charges for Agency of Precious Metal	Retail customers: Transaction type: 0.8‰ of the transaction amount. Customers of deferred products may enjoy the exemption of handling charge for the day trade transaction.	Retail customers: Notice on Adjusting the Preferential Rate of Handling Charges for Agency Precious Metal Investment Products of the Shanghai Gold Exchange for Personal Customers	Retail customers: Transaction type: this Bank, as a finance member of the Shanghai Gold Exchange, acts as an agency of customers to handle such transactions as precious metal trading, and relevant capital settlement and delivery settlement within the SGE.	Retail customers: Agent precious metal handling fee includes the handling charge collected by the Shanghai Gold Exchange.
			Institutional clients: Transaction type: handling charge for transaction is not more than 0.20% of the transaction amount.		Institutional clients: Transaction type: this Bank, as a finance member of the Shanghai Gold Exchange, acts as an agency of institutional customers to handle such transactions as precious metal trading, delivery settlement, leasing, pledge, and relevant capital settlement inside SGE.	Institutional clients: Transaction type: including transaction handling charges collected on behalf of the Shanghai Gold Exchange; the default handling charges for investment customers that trade precious metal independently is collected at 0.11%, and the specific preferential treatment may be negotiated with the local sub-branch according to the policies of IB.
	000404	Handling Charges for Other Agency Trading	Charged by agreements.		Making use of our industrial advantages in resources, channels, customers, projects, network, technology and information, this Bank provides agency trading service for customers regarding products of bond, interest, exchange rate and bulk commodity.
Wealth Management Service	000601	Bank Management Fees for Wealth Management Products	It should be collected as stipulated in the sales documents of wealth management products.		Various services provided for customers to purchase the wealth management products of this Bank or other institutions, including but not limited to product design, product introduction, guidance on signing agreement, purchase of products, information disclosure, and product operation.
Other services	000801	SMS Service Charge	Retail customers: “SMS Smart” service:RMB 1 per card per month. Service charge for SMS notification upon transaction of credit cards: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit cards (including titanium cards) and diamond cards.	Retail customers: “SMS Smart” service: 1. The service charge for the month of application is exempted for a customer applying the service for the first time; 2. It is free for diamond, black gold and platinum customers; 3. It is free for Wage Card (including Universal Wage Card), Enjoyable Life card and Universal Life Card (including Unbounded Debit Card and Teacher Respect Card), the preferential treatment for Enjoyable Life card and Universal Life Card extends from August 1, 2014, to June 30, 2025, while the preferential treatment for Wage Card extends  from July 1, 2024, to June 30, 2025; wherein, the preferential treatment for the Universal Wage Cards, Unbounded Debit Cards and Teacher Respect Cards extends from the products’ launch dates to June 30, 2025. 4. It is free for IB-Huafu Bank-Securities Joint Card, which extends from January 1, 2018 to June 30, 2025. 5. It is free for Industrial Security Joint IC Debit Card, which extends from January 1, 2019 to June 30, 2025. 6. It is free for IB Military Support Card, which extends from June 1, 2019 to June 30, 2025. 7. It is free for Financial Social Security Card, which extends from July 1, 2020 to June 30, 2025. 8. It is free for Migrant Worker Salary Card (including New Citizen Debit Card), which extends from April 1, 2021 to June 30, 2025. Among them, the preferential treatment for the New Citizen Debit Cards extends from the product’s launch date to June 30, 2025.	Retail customers: “SMS Smart” service:the basic SMS value-added service provided to the customers of IB, with which customers may, according to their own need, independently choose notification upon change in account, over-limit balance, net value of fund,  over-limit net value of fund, monitoring of precious metal quotation, and SMS interaction. Service charge for SMS notification upon transaction of credit cards: After a card-holder activate the transaction SMS notification service, the mobile phone number of the card-holder reserved in the system can receive the transaction SMS notification once the card-holder initiates any transaction with his or her credit card. In this way, the customer may comprehensively know the state of his or her credit card and ensure security in using the card.	Retail customers: The credit card transaction alerts and balance change notification services on the Industrial Bank Life APP and the "Industrial Bank Credit Card" WeChat official account are free of charge.
			Institutional clients: Elf Messenger: Charged on a monthly basis, at a rate of RMB 10 per month for not more than 20 messages (including 20 messages), and RMB 0.3 for each message of the exceeding part. Service charge for SMS notification upon transaction of credit cards: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit cards (including titanium cards) and diamond cards.		Institutional clients: 1. SMS Smart: Customers may, according to their own need, independently choose services such as notification upon change in account, over-limit balance and maturity of loan. 2. Service charge for SMS notification upon transaction of credit cards: after a cardholder activate the transaction SMS notification service, the reserved mobile phone number of the cardholder in the system can receive the transaction SMS notification once the cardholder initiates any transaction with his or her credit card. In this way, the customer may know the state of his or her credit card and ensure security in using the card.	Institutional clients: The credit card transaction alerts and balance change notification services on the Industrial Bank Life APP and the "Industrial Bank Credit Card" WeChat official account are free of charge.
	000802	Fees for VIP service at Overseas Airports (credit card)	RMB 200/person-time		To provide designated cardholders with designated overseas airport VIP services.
	000803	Customized service	Charged by agreements		To provide individualized financial service according to customers’ demands.
	000804	Platform Service Charge	Charged by agreements		Making use of IB’s advantages in technology, channels, and information to provide customers with account payment and settlement, clearing, information exchange, product trading and other comprehensive services through estalishing the system or taking this Bank as the platform or other methods.