About IB

Industrial Bank Comprehensive Service Price List

Business category No.          Service item Charging rates Incentives Services Remarks
Account Settlement Service 000101 Account Management charge Retail customers:

Annual fees for credit card:
Common card: Principal card -- RMB card: RMB 80 a card (set),Principal card -- dual-currency card: RMB 100 a card (set);Gold card: Principal card -- RMB /dual-currency card: RMB 200 a card (set);Platinum credit card (elite)/titanium credit card: Principal card/supplementary card: RMB 500 a card;Platinum credit card (edge): Principal card: RMB 600 a card (no supplementary card temporarily);Platinum credit card (YOU series): Principal card: RMB 900 a card, supplementary card: RMB 600 a card;Platinum credit card (standard version): Principal card: RMB 2,600 a card, supplementary card: RMB 1,200 a card;Diamond card: Diamond card: main card: RMB 15000 / card, additional card: RMB 15000 / card;
Additional charging rates for special credit card products:
Garfield credit card: dual currency / RMB standard card: RMB 80 / card (set card / standard card), dual currency / RMB gold card: RMB 200 / card (set card / standard card); Star Card / QQVIP credit card: dual currency / RMB standard card: RMB 100 / card (set), dual currency / RMB gold card: RMB 200 / card (set); Motorists' Club credit card: distinguished card: RMB 200 / card, elite card: RMB 100 / card; GOLF Platinum Credit Card: main card / supplementary card: RMB 9000 / card; Shanghai Benz Platinum Joint Credit Card: RMB 3500 / card; DIY credit card: main card / supplementary card: RMB 80 / card; debit and credit all-in-one card: RMB 200 / card;QQ show credit card (physical card): standard card: RMB 80 / card, MINI card: RMB 40 / card
Retail customers:

Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card.

Retail customers:

Annual fees for credit card: As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for 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 standing suffers any unfavorable impacts due to the failure to pay the annual fees on time, the cardholders shall bear such impact themselves.
Organization clients:

Account opening: The handling charge of RMB 50-2000 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, RMB 30 -150 will be charged each quarter; if the daily mean balance in the three months is more than RMB 10,000, RMB 15-75 will be charged each quarter;Account balance management/income and expenditure control: RMB 100 each account a month, or it may be charged at the agreed price;

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
Organization clients:

1. The account opening fee for the first (or designated one) corporate bank settlement account opened from September 30, 2021 will be charged at 50% discount of the charging standard;
2. No charge for account management charge and annual fees for credit card.

The above offer is valid from September 30, 2021 to September 30, 2024.
Organization clients:

1. Account opening: To open corporate banking settlement accounts for customers according to their application;2. Account management charge: To provide daily management services for corporate banking settlement accounts;3. Account balance management/income and expenditure control: To control account balance or control and manage collection and payment of account funds according to the funds management requirements of customers;4. Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card.    
Organization clients:

Account management charge: The charging rate in each quarter may be decided by each handling branch within the price scope provided by the Head Office considering such factors as business development, prices of other banks, and market positioning, etc.; the daily mean balance may also be determined by each branch, but not less than RMB 10,000; the fee will be charged on the 15th day of the month immediately after the end of each quarter. If the account balance is insufficient, the fee will be charged on the 15th day of each following month.
Annual fees for credit card:
As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for 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 shall be borne by the card holder;
000102 Production cost Retail customers:
Production cost of IC debit card: RMB 5 a card, excluding cards with respective charging rates;
Production cost of IC credit card: RMB 5 a card;
Urgent preparation cost of credit card (including the express delivery charge): RMB 100 a card (pure express delivery charge of RMB 20 a card);
Garfield credit card (magnetic strip), MINI-SHINY Constellation credit card (magnetic strip), and QQ VIP credit card (magnetic strip): RMB 40 a card (set);
DIY credit card: RMB 80 a card;
Credit card surface DIY function (principal card/supplementary card): RMB 80 a card;
Production cost of Internet banking Webprotect certificate/dynamic token: RMB 25 a certificate/token;
Bluetooth Webprotect prefabricated certificate: RMB 35 a certificate;
Production cost of Tibet card premium (metal version): RMB 2880 a card;
Production cost of specially designed credit card: RMB 0-3888 a card (Price will be determined according to card theme, design, supporting production process and optional card number and other personalized services), the special design production cost of CIB Inheritance UnionPay platinum credit card is RMB 1688 a card; the special design production cost of Mashimaro PASS card (charged version) is RMB 58 a card.
Retail customers:
Production cost of IC debit card:
1. VIP customers may enjoy concession/exemption, i.e. the diamond, black gold and platinum customers may enjoy exemption and gold card users may enjoy 50% discount;
2. A wage card (including universal wage card) is free of charge;
3. A Enjoyable Life Card is free of charge;
4. It is free for IB-Huafu Bank-Securities Joint Card;
5. It is free for Financial Social Security Card;
6. It is free for Bayern Themed Debit Card;
7. It is free for IB military support card;
8. No charge for renewing a card upon maturity;
9. No production cost will be charged for replacing a magnetic strip debit card with an IC debit card;
10. No production cost will be charged for an IC debit card issued by self-service device.
The above items 1-3 and 8-10 are valid from April 20, 2015 to June 30, 2022; the above item 4 is valid from January 1, 2018 to June 30, 2022; the above item 5 is valid from July 1, 2020 to June 30, 2022; the above item 6 is valid from August 10, 2019 to June 30, 2022; the above item 7 is valid from June 1, 2019 to June 30, 2022.
Bluetooth Webprotect prefabricated certificate: diamond customers are free of charge and valid from July 1, 2021 to June 30, 2022.
Retail customers:

1. Production cost of IC debit card: To issue a new IC debit card or reissue an IC debit card, including to issue a new IC debit card, to renew a IC debit card, and to replace a magnetic strip debit card with an IC debit card;
2. Production cost of IC credit card: To issue a new IC credit card or reissue an IC credit card, including to issue a new IC credit card, to renew a IC credit card, and to replace a magnetic strip credit card with an IC credit card;
3. Urgent preparation cost of credit card: The service provided to customers when they ask for urgent card production on their own initiative;
4. Production cost of Internet banking Webprotect certificate/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 verify and authenticate the Internet banking customers;
5. Production cost for dynamic token: A kind of security verification means for electronic banking, used for handling electronic banking transactions with risks.
6. Production cost of Deluxe Card for Collection (metal version): to open or renew Deluxe Card for Collection (metal version) for clients;
7. Production cost for specially designed credit cards: issue a new card or replace the old card with a specially designed credit card for clients.
Retail customers:
1. IC debit cards cover IC card and magnetic strip IC combi-card;
2. Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. The production cost of IC card will be charged after the card is activated. The production cost will be charged separately for all IC cards unless it is otherwise specified;
3. Garfield credit card (magnetic strip card), MINI-SHINY Constellation credit card (magnetic strip card), and QQ VIP credit card (magnetic strip card): The production cost will be charged after the card is activated;
4. Production cost of DIY credit card: The production cost will be charged after the card is activated; upon the replacement of mature card, that is card renewing, the production cost will be charged again;
5. Credit card surface DIY function (principal card/supplementary card): The production cost will be charged from new customers applying for the card, but no charge from customers applying for reissuing or replacing card and renewing card. The production cost will be charged after the card is activated;
6. No urgent preparation cost for the following credit card products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version);
7. No urgent production service available to DIY credit card;
8. Production cost will be charged for opening or renewing a Deluxe Card for Collection (metal version), enjoying no preferential policies about reduction or exemption;
9. Production cost for specially designed credit card: It is charged for new card, reissued or replaced card and renewed card (including card surface optional), and charged after the card is activated; the optional service of the same card number is only charged once after the new card is activated.
10. Production cost of CIB Inheritance UnionPay platinum credit card: It is charged for new card, reissued or replaced card and renewed card. The production cost will be charged after the card is activated.
It will be charged according to the service price standard from October 1, 2021
Organization clients:

Production cost of prefabricated certificate: the production cost of 2nd-generation bluetooth prefabricated certificate and 1st-generation bluetooth prefabricated certificate is charged at the cost price;
Production cost of payment stick: divided into premium payment stick with integrated payment cipher function and common payment stick without integrated payment cipher function, and the production cost is charged at the cost price.
Production cost of corporate settlement card: RMB 10 a card;
Production cost of IC credit card: RMB 5 a card;
Urgent preparation cost of credit card (including the express delivery charge): RMB 100 a card (pure express delivery charge of RMB 20 a card).
Certificate production cost: the production cost of commercial acceptance bill/bank acceptance bill is RMB 12 / book, and the production cost of other certificates is charged by each branch according to the local printing cost price from the recipient.
Organization clients:


IB Steward blue tooth prefabricated certificate: From December 30, 2016 to June 30, 2022, clients can apply the 2nd-generation IB Steward blue tooth prefabricated certificate for free.
IB Steward payment stick: From July 1, 2020 to June 30, 2022, IB Steward payment stick is free of charge.

Note: The above preferential measures are applicable to the newly-bound IB Steward blue tooth prefabricated certificate and payment stick after the opening of IB Steward service during the implementation of the preferential measures.
Organization clients:

1.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 verify and authenticate the Internet banking customers
2.Production cost of IC credit card: To issue a new IC credit card or reissue an IC credit card, including to issue a new IC credit card, to renew a IC credit card, and to replace a magnetic strip credit card with an IC credit card;
3.Urgent preparation of credit card: The service provided to customers when they ask for urgent card production on their own initiative.
4.Production cost of corporate settlement card:
Production cost of opening, replacement (including replacement due to card loss) of corporate settlement card;
5.Payment stick: It verifies the identification of and authenticates clients via the digital certificate issued by China Financial Certification Authority (CFCA), and it is provided by IB for signed clients of IB Steward, it is the digital signature and security encryption equipment necessary forcustomer online settlement.
6.Certificate production cost:It is charged according to the production costs of bills such as commercial acceptance bills, bank acceptance bills, authorization of business settlement, income receipt, cash deposit certificate, pickup sheet of blank certificate, discounting voucher, collection certificate (entrusted collection of payment/collection with acceptance), payment refuse reason statement, reason statement for re-collection, refund reason statement.
Organization clients:

Production cost of prefabricated certificate and payment stick will be charged according to this service price standard from September 30, 2021.
Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. The production cost of IC card will be charged after the card is activated. The production cost will be charged separately for all IC cards unless it is otherwise specified.

Urgent preparation cost of credit card (including the express delivery charge)  will be charged according to the service price standard from October 1, 2021
000103 Default penalty of credit card 5% of the outstanding minimum repayment, minimum RMB 20 or USD  3 The handling charge collected by our bank because the amount repaid by the card holder before the due repayment date (inclusive) is less than the minimum repayment.
000104 Handling charges for cash withdrawal or transfer of credit card 1. Handling charges for cash advancement (including overdraft transfer): 2% of the amount, minimum RMB 20 or USD 2 per transaction (regardless of being local or non-local);
2. Handling charges for cash withdrawal or transfer of overpayment: It will be 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
3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): 2% of the amount, minimum 20 yuan/transaction or 2 US dollars/transaction;
4.Handling charge for money borrowed at any time: One-time handling charge for money borrowed at any time: RMB 10 for each transaction.
1. Handling charges for cash advancement (including overdraft transfer): To provide the cardholders with the service of cash advancement (including overdraft transfer) via multiple channels;
2. Handling charges for cash withdrawal or transfer of overpayment: To provide a customer with a withdrawable channel and service according to the amount of funds over the overdraft limit in the credit card account of the customer.
3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): The bank and the card association jointly provide emergent support service for the oversea travel of a customer for emergent circumstance that may occur to the customer at abroad.
4.Handling charge for money borrowed at any time:To provide cash advance transfer service to card holders.
Organization 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 withdrawals
000105 Charges for loss report Retail customers:

Charges for loss report of credit card (excluding card re-issuance): RMB 50 for a common card and business card (UnionPay); 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 seized unlawfully by another one.
Organization clients:

Charges for loss report of credit card (excluding card re-issuance): RMB 50 for a common card and business card (UnionPay); no charge for other cards;Loss report for the opening certificate of corporate fixed deposit account/corporate notice deposit receipt / corporate fixed deposit receipt/corporate certificate treasury bond voucher: RMB 10 each one;
Loss report charge of other bills: 0.1% of the par value excluding the loss report of checks, promissory notes and bank drafts (with the minimum charge of RMB 5);
Organization clients:

Report loss of credit card: 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 seized unlawfully by another one;Loss report for the opening certificate of corporate fixed deposit account/corporate notice deposit receipt/corporate fixed deposit receipt /corporate certificate treasury bond voucher: Loss report for and resetting of important vouchers for fixed deposit, etc.                     
000106 Handling charge for withdrawal Retail customers:

Overseas ATM Withdrawal: RMB 16 each transaction (excluding the ATM service fees charged by overseas ATM acquiring institutions from cardholders additionally);
Domestic Inter-bank ATM Withdrawal: the first 3 transactions in a month will be free of charge regardless of local or non-local withdrawal, and RMB 3.5 will be charged for each transaction from the 4th transaction in the month.
"UnionPay Counter Pass" Inter-bank Withdrawal: it will be 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: it will be charged at 0.45% of each transaction amount, with a minimum of RMB 0.9 and a maximum of RMB 9.
Migrant Worker Bank Card Features: the handling fee for each withdrawal is charged at 0.5% of the withdrawal amount, with a minimum of RMB 1 and a maximum of RMB 20.
Retail customers:

Overseas ATM Withdrawal:
1. The diamond, niello and platinum customers may enjoy exemption for the first 3 transactions in 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, 2022.
2. The Universal Life Debit Card users may enjoy exemption for the first 3 transactions in each month, which extends from January 1, 2017 to June 30, 2022.
3. The Universal Wage Card users may enjoy exemption for the first 5 transactions in each month, which extends from the product's launch date to June 30, 2022.
4. The Bairen Themed Debit Card users may enjoy exemption for the first 1 transaction in each month, which extends from August 10, 2019 to June 30, 2022.
5. The Enjoyable Life Card users may enjoy exemption for the first 3 transactions in each month, which will be implemented from September 1, 2021.

Domestic Inter-bank ATM Withdrawal:
1. The diamond, niello and platinum customers may enjoy exemption for the first 10 transactions in each month, gold card users may enjoy 50% discount for the 4th - 10th transactions in each month, which extends from January 1, 2017 to June 30, 2022.
2. The Wage Card (including Universal Wage Card) may enjoy exemption for the first 5 transactions in each month, which will be implemented from January 1, 2017.
3. The IB Military Support Card users may enjoy exemption for the first 10 transactions in each month, which will be implemented from June 1, 2019.
4. The Financial Social Security Card users may enjoy exemption for the first 10 transactions in each month, which extends from April 1, 2021 to June 30, 2022.
5. The Enjoyable Life Card users may enjoy exemption for the first 10 transactions in each month, which will be implemented from July 24, 2021.

"UnionPay Counter Pass" Inter-bank Withdrawal:
1. The fee for the "UnionPay Counter Pass" debit card withdrawal business of Ningbo Branch’s customers is exempted, which is valid from August 1, 2018 to June 30, 2022.
2. The fee for the "UnionPay Counter Pass" debit card withdrawal business of Hangzhou Branch’s customers is exempted, which is valid from May 13, 2019 to June 30, 2022.
Retail customers:

Overseas ATM withdrawal/domestic inter-bank ATM withdrawal: To provide debit card customers of IB with the service of handling inter-bank withdrawal via the ATM of another bank with the symbol of “UnionPay” and other card association both at home and abroad; UnionPay Counter Pass inter-bank withdrawal: provide IB debit card users with inter-bank withdrawal service at counters of member outlets which jointed UnionPay Counter Pass program via UnionPay network.
Farmer assisting withdrawal: provide debit card clients of our bank with service of small amount withdrawal, through bank card acceptance terminal set up by Unionpay acquirer in designated cooperative merchant service points of villages and towns.
Migrant worker bank card features:
Provide inter-bank counter withdrawal services to the clients holding our wealth management card at a county-level regional credit cooperative and Postal Savings Bank of China. Including the issuing bank fee, UnionPay transfer service fee and the acquiring bank service fee, which are charged according to the agreement.
Retail customers:

1. The wage card customers shall be verified by the Bank according to the agency wage criteria for the wage cards, and the wage card meeting the criteria may enjoy preferential changes;
2. 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 the Bank. The specific acceptance sites are subject to the announcement of other banks.

Domestic inter-bank ATM withdrawal will be charged according to this service price standard from July 24, 2021.
Organization clients:

Handling charge for inter-bank ATM withdrawal with corporate settlement card:
The first 3 transactions in a month will be free of charge regardless of local or non-local withdrawal, and RMB 3.5 will be charged for each transaction from the 4th transaction in the month.
Organization clients:

Handling charge for inter-bank ATM withdrawal with corporate settlement card: provide cardholders with inter-bank withdrawal service on UnionPay labeled ATM.
Organization clients:

Handling charge for ATM inter-bank withdrawal with corporate settlement card will be charged according to this service price standard from July 24, 2021.
000107 Commission fee for settlement of special merchants The commission fee for settlement of special merchants is collected by acquiring bodies from merchants, including handlding charges of the issuing bank, UnionPay transfer service fee and the acquiring bank service fee, which are charged according to agreements. For bank card payment:
1. For the debit card acquiring service fee of standard merchants, 10% discount will be charged according to the guiding price standard of bank card swiping fee set by the Bank in 2016 (0.45% for debit card), capped at RMB 20 per transaction. The offer is valid from September 30, 2021 to September 30, 2024;
2. For the acquiring service fee of preferential merchants, continue to be charged at 22% discount of the guiding price standard of bank card swiping fee set by the Bank in 2016(0.45% for debit card), capped at RMB 20 per transaction. The offer is valid from September 6, 2016 to September 30, 2024;
3. The Bank has implemented exemption for the acquiring service fee of reduced or exempted merchants.
We provide acceptance of bank card payment and code bar payment, capital settlement, inquiry and other services for our special merchants.
000108 Charge for re-issuance and replacement of credit card RMB 20 each card; in case of needing express delivery, an additional express delivery charge of RMB 20 each letter. Card re-issuance and replacement services may be provided to customers and express delivery is also available upon the request of customers when cardholders cannot use their credit cards due to damage, rupture, indistinct signature or demagnetized magnetic strip of their cards, or under other special circumstances. Retail customers:

No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version).
000109 Handling charge for reading transaction receipt of credit card (duplicate) RMB account: 20 yuan/transaction
USD account: 5 USD/transaction
The service of reading duplicate transaction receipts provided to customers when they need to read the transaction receipts as they have doubt on the transactions listed on their statements or under other circumstances. Retail customers:

No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version).
000110 Credit card overseas emergency services 1. Service charge for urgent card re-issuance overseas:
VISA card: USD 175 each card; MasterCard: USD 148 each card. Only the common cards are charged, and other cards are free of charge;
2. Service charge for urgent cash withdrawal overseas:
VISA card: USD 175 each card; MasterCard: USD 95 each card. Only the common cards are charged, and other cards are free of charge;
The above overseas urgent services shall be subject to the charging standard of the card association.
1. Urgent card re-issuance overseas: urgent card re-issuance service for holders who need emergency card due to card lost, stolen or damaged overseas;
2. Urgent cash withdrawal overseas: urgent cash withdrawal service for holders who need emergency cash due to card lost, stolen or damaged overseas. 
only for dual-currency credit card, and VISA/MasterCard single-brand credit card

Organization clients:
The business procurement credit card (standard business card) does not have the functions of cash advancement.

It will be charged according to the service price standard from October 1, 2021
000111 Commission fee for exchange in overseas transactions (only for dual-currency credit card, VISA/MasterCard branded credit card) It will be charged at the rate of 1.5% of the transaction amount The bank provides the service of converting local currency with card settlement currency automatically to a customer when he or she settles non-USD  consumption with VISA or MasterCard gateway at abroad.
000112 Handling charge for reproduction of paper account statement of credit card The account statement for transactions in the latest 12 months can be provided for free (only once in each calendar year). RMB 5 will be charged each time for re-mailing; in case of needing express delivery, RMB 20 will be collected as the charge for express delivery additionally for each letter. To provides the service of account statements to customers to help them learn the transaction details of their accounts. Retail customers:

No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version)
Foreign Exchange Service 000301 Dishonor of clean bill for collection RMB 50 each transaction If the clean bill for collection is refused overseas, an application for dishonor of the clean bill overseas is provided to the customer.
000302 Outward remittance 1.Outward remittance (Retail customer):
It will be charged at the rate of 0.1% of the remittance.
Down to RMB 50 and up to RMB 200 will be charged for each transaction of overseas remittance, and the telecommunication fees and oversea banking charges will be collected separately.
Down to RMB 20 and up to RMB 100 will be charged for each transaction of domestic remittance. For domestic remittance through overseas routes, the communication fee and overseas banking charges (if any) will be separately collected as overseas remittance.
2.Outward remittance (Organization clients: ):
It will be 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, and the charges of other banks and telecommunication fees collected by the bank as an agency will be collected from customers.
Down to RMB 20 and up to RMB 200 will be charged for each transaction of remittance at home. For domestic remittance through overseas routes, the communication fee and overseas banking charges (if any) will be separately collected as overseas remittance.
3.Upon the remittance from a cash account, cash arbitrage fee will be charged at the conversion percentage of foreign exchange rate announced on the current day.
4.Inquiry of outward remittance:RMB 100 is charged for an inquiry of a transaction incurred in the past three months, RMB 200 for a transaction in the past three to six months and over RMB 300 for a transaction earlier than the past six months. The communication fee and overseas banking charge is separately collected.
5.Modification of remittance instruction/countermand and return of remittance: RMB 100 / transaction, the communication fee and overseas banking charge is separately collected.
Outward remittance (Retail customer):
1. Remittance charge: VIP customers may enjoy concession/exemption i.e. the diamond, niello and platinum customers may enjoy exemption and gold card users may enjoy 50% discount, which extends from January 1,2016 till June 30, 2022. Such concession/exemption is not applicable to other fees, such as communication fee, arbitrage fee and those charged by overseas banks.
2. For clients whose deposit balance of Universial Life debit card or Universial wage card reach an amount equivalent to RMB 5,000 (inclusive), the foreign exchange service fee will be exempted, which is valid from January 1, 2019 to June 30, 2022. (wherein, Universial wage card’s discount is available from the date of product launch until June 30, 2022).
1.Outward remittance: The remitter entrusts IB to make payment to payee at home or abroad.
2.Inquiry of outward remittance: To handle the inquiry about outward remittance for customers.
3.Modification of remittance instruction/countermand and return of remittance: Modification of remittance instruction/cancellation and return of remittance.
Communication fee will be charged based on "Communication Fee" item of Comprehensive Service Price
000303 Return of inward remittance USD 20 / transaction (including communication fee) Return of remitted money. The beneficiary of the clean bill for collection requires re-exchange:  it will charged at the rate (the beneficiary of the clean bill for collection requires re-exchange regarding the paid notes) if paid already
000305 Communication fees Retail customers:

Telecommunication fee: RMB 100 / transaction: the telecommunication fee of SWIFT message borne by other banks or the beneficiary will be charged at the rate of USD 25 / transaction or other equivalent value;
Mailing (common registered mail or EMS): It will be charged according to the rate of charges of the express delivery supplier or the post office.
Telecommunication fee for diamond customers is free of charge, and the deposit balance of “Universal Life” card, Universal wage card reached an amount equivalent to RMB 5000 (inclusive), telecommunication fee for non-diamond customers will be charged RMB 50 per transaction. For customers whose SWIFT message fees are paid by other banks or beneficiaries, the offer is not applied. Discount is offered from July 1, 2019 to June 30, 2022 (where the Universal wage card’s discount is available from the date of product launch to June 30, 2022). Retail customers:

To send various messages or deliver various documents outwards as applied by customers.
Organization clients:

Telecommunication fees for cabled letter of credit: RMB 200 per transaction;
Telecommunication fee: RMB 100 per transaction; SWIFT bank-enterprise direct global fund management account reporting telecommunications fee can be charged according to the monthly package of the account and the agreement; the telecommunication fee of SWIFT message borne by other banks or the beneficiary will be charged at the rate of USD 25 / transaction or other equivalent value;
Mailing fee (common registered mail or EMS): It will be charged according to the rate of charges of the express delivery supplier or the post office;

SWIFT bank-enterprise direct global fund management account reporting telecommunications fee will be waived from September 15, 2021 to September 15, 2023. Organization clients:
1. Telecommunication fees for cabled letter of credit: At the request of the customer, we provide clients with the service of cabled letter of credit by message telecommunication;
2. Telecommunication: According to clients application, provide the service of sending various SWIFT messages, including the service of sending message to provide account report to clients in SWIFT bank-enterprise direct global fund management service.
3. Mail: The service of sending various documents according to clients application.
If   SWIFT bank-enterprise direct business involves transfer and remittance, the transfer and remittance fee will be charged separately. 
000306 Traveler's check business Cashing: 0.75% of the cashed amount
Agency sale: 0.75% of the sell amount
Compensation for loss report: USD 15 / transaction
Cashing for traveler's check: our bank advances money for customers to cash for traveler's checks.
Agency sale of traveler's check: to sell traveler's checks on behalf of the issuers of traveler's checks.
Compensation for loss report of traveler's check: to handle the refund or re-issuance for the loss report of traveler's checks.
000307 Acceptance of pledge Telecommunication fees plus the actual acceptance charges of another bank; RMB 100 per transaction for the acceptance of pledge for another bank. To provide customers with separate services of acceptance of pledge of message in such cross-border settlement business such as remittance, letter of credit, etc.
000308 Inquiry/collection expediting RMB 100 for each transaction; USD 30 for each transaction overseas. The charges incurred for reasons attributable to the bank can be exempted. To provide customers with services of message inquiry and collection expediting in such cross-border settlement business such as remittance, letter of credit, etc.
000309 Loss report and countermand for foreign currency bill RMB 100 each transaction To provide services of loss report and countermand for them for customers in case of loss of foreign currency bills.
Agency Service 000401 Fund-to-trust charge
RMB 20 per transaction usually
To provide a holder of fund shares with the service of transferring out the fund shares held in the trading account of our bank in whole or part and transferring such shares into the trading account of another sales agency.
000402 Handling charge for consignment loan Charged by agreements Our bank (i.e., the consignee) provides agency loan extension, monitors the use of loans and assists to take back loans according to the loan target, purpose, amount, term, and interest rate decided by the consigner. The method to collect the handling charge for consignment loan from the consigner shall be stipulated in the consignment contract by and between the consigner and IB. 
000403 Handling charges for agency of precious metal Retail customers:

0.8‰ of the transaction amount. Customers of deferred products may enjoy the exemption of handling charge for close position transaction.
Retail customers:

Circular on Adjustment to the Preferential Rate of Handling Charges for Agency Precious Metal Investment Products of Shanghai Gold Exchange for Personal Customers
Retail customers:

Our bank, as a finance member of Shanghai Gold Exchange, acts as agency for customer to handle such transactions as precious metal trading, relevant capital settlement and physical delivery inside SGE.
Retail customers:

It covers the handling charge collected by Shanghai Gold Exchange.
Organization clients:

1. Transaction type: Handling charge for transaction: Not more than 0.20% of the transaction amount
2. Physical type: Charged by agreements
Organization clients:

1. Transaction type: Our bank, as a finance member of Shanghai Gold Exchange, acts as agency for institutional customer to handle such transactions as precious metal trading, physical delivery, leasing, pledge, and relevant capital settlement inside SGE.
2. Physical type: accept the entrust of precious metal corporate and provide customers with service regarding promoting physical precious metal products.
Organization clients:
1. Transaction type: including transaction handling charges for Shanghai Gold Exchange; The default standard handling charges for investment customers that trade precious metal independently is 0.11%, and the specific preferential treatment may be negotiated with the local branch according to the policies of IB;
000404 Handling charges for other agency transaction Charged by agreements Making use of our industrial advantages in resources, channels, customers, projects, network, technology and information, we provide agency transaction service for customers regarding products of bond, interest, currency rate and bulk commodity.
000405 Account opening service fee of counter business in inter-bank bond market No more than 5 yuan/household, charged by agreements. Temporarily free of charge from February 1, 2019 to June 30, 2022 Open a bond escrow account for clients at China Central Depository & Clearing Co., Ltd. and provide related settlement services of counter business in inter-bank bond market.
Wealth Management Service 000601 Bank-charged management fees for wealth management products It shall be collected as agreed in the sales documents of wealth management products. Various services provided for customers to purchase the wealth management products of the 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. It will be charged according to the service price standard from October 1, 2021
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 card:  RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit card (including titanium card) and diamond card.
Retail customers:

“Smart Messenger” Message Service:
1. The service charge for the first month will be 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 universial wage card), "Enjoyable Life" card, "Universal Life" card;
4. It is free for IB-Huafu Bank-Securities Joint Card;
5. It is free for Industrial Security Joint IC Debit Card.
6. It is free for IB military support card.
7. It is free for Financial Social Security Card.
8. It is free for Xingdong Global Debit Card (including Bayern Debit Card).
The offers in the above-mentioned 1st-3rd items are valid from August 1, 2014 to June 30, 2022 (in which the offers for universial wage card are valid from the date of issuance to June 30, 2022); the offer in the 4th item is valid from January 1, 2018 to June 30, 2022, the offer in the 5th item is valid from January 1, 2019 to June 30, 2022, the offer in the 6th item is valid from June 1, 2019 to June 30, 2022, the offer in the 7th item is valid from July 1, 2020 to June 30, 2022, the offer in the 8th item is valid from August 1, 2020 to June 30, 2022.
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, notice for over-limit balance, notice for net value of fund, notice for over-limit net value of fund, monitoring of precious metal quotation, and interactive SMS; Service charge for SMS notification upon transaction of credit card: 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 know the state of his or her credit card and ensure security in using card.
Retail customers:

The wage card customers shall be verified by the Bank according to the agency wage criteria for the wage cards, and the wage card meeting the criteria may enjoy preferential changes.
Organization clients:
SMS Smart:  It will be charged on a monthly basis, RMB 10 for not more than 20 messages, and RMB 0.3 each for messages over 20; Service charge for SMS notification upon transaction of credit card: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit card (including titanium card) and diamond card.
Organization clients:

1. SMS Smart: Customers may, according to their own need, independently choose services such as notice upon change in account, notice for over-limit balance, notice for maturity of loan, and interactive SMS.2. Service charge for SMS notification upon transaction of credit card: Service charge for SMS notification upon transaction:  After a cardholder activate the transaction SMS notification service, the bundled mobile phone number of the cardholder can receive the transaction SMS notification once the cardholder initiates any transaction with his or her credit card (except for gold card and principal card). In this way, the customer may know the state of his or her credit card and ensure security in using card.
000802 Fees for VIP service at  overseas airports (credit card) RMB 200/person-time To provide designated cardholders with designated airport VIP services abroad.
000803 Personalized service Charged by agreements To provide customized financial service according to customers' demand.
000804 Service charge of platform Subject to relevant agreement, it will be charged according to the services provided to customers. Taking advantage of IB's advantages in technology, channels, and information, IB provides customers with account payment and settlement, clearing, information exchange, product trading and other comprehensive services through the establishment of the system or platform.
000805 Foreign exchange collection and settlement business of export cross-border e-commerce Handling charges for foreign exchange collection and settlement business of export cross-border e-commerce: 0.1%-0.6% of the amount of RMB after settlement of foreign exchange received by merchants overseas. Be waived from July 1, 2021 to June 30, 2022. For customers registered with the Bank's cross-border e-commerce foreign exchange business management platform, provide services such as overseas collection, domestic settlement of foreign exchange (executed according to the foreign exchange rate advertised by the Bank), and fund payment cancellation and posting.
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