| Business category | No. | Service item | Charging rates | Incentives | Services | Remarks |
| Account Settlement Service | 010101 | Handling charge for deposit | UnionPay and other card association ATM inter-bank deposit/ “UnionPay Counter Pass” Inter-bank Deposit: Each transaction will be charged at the rate of 0.1% of the deposit amount. Not less than RMB 3 but not more than RMB 50 each transaction. | UnionPay and other card association ATM inter-bank deposit:provide IB debit card users with inter-bank deposit service at UnionPay and other card association labeled ATMs of other banks, subject to announcements of other banks.UnionPay Counter Pass inter-bank deposit: provide IB debit card users with inter-bank deposit service at counters of member outlets which jointed UnionPay Counter Pass program via UnionPay network. | At present, UnionPay Counter Pass service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian), Heilongjiang, subject to the latest announcements of other banks. | |
| 010102 | Handling charge for inter-bank transfer | UnionPay and other card association self-service channels Inter-bank transfer/UnionPay Counter Pass inter-bank transfer/Farmer assisting transfer/Farmer assisting cash remittance: not matter local or non-local, the first transaction of each month is free of charge, and the second transaction starts with a handling charge of RMB 4 per transaction | 1. Individual customers who conduct RMB domestic transfer and remittance via IB electronic channels (including internet banking, mobile banking app and WeChat banking) may enjoy exemption not matter the amount, local or non-local, intra-bank or inter-bank. 2. The fee for IB military support debit card inter-bank transfer is exempted, which is valid from June 1, 2019 to June 30, 2024. 3. The fee for first 10 domestic ATM inter-bank transfers of financial social security card customers per month are exempted, which is valid from April 1, 2021 to June 30, 2024. 4. UnionPay and other card association self-service channels Inter-bank transfer/UnionPay Counter Pass inter-bank transfer/Farmer assisting transfer/Farmer assisting cash remittance: diamond, black gold and platinum customers are free for the first 3 transactions per card per month, and gold card customers have a 50% discount for the 2-3 transactions per card per month, which is valid from January 1, 2021 to June 30, 2024. 5. UnionPay Internet channel transfer is exempted, which is valid from January 1, 2021 to June 30, 2024. |
"1. Non-local common inter-bank transfer via electronic channels: To transfer the money of a personal customer from its IB account (excluding credit card) into an account of another bank (only non-local) via electronic channels; 2. Real-time inter-bank transfer via electronic channels: It allows handling RMB transfer and remittance to an organization’s account or a personal account opened in another bank through the online payment inter-bank settlement system of the People’s Bank of China (super internet banking), and after completing the operation, the funds will be remitted to the receiving account instantly; 3. Inter-bank transfer via UnionPay ATM (local/non-local transfer): To provide debit card customers of IB with the service of handling local/non-local inter-bank transfer via the ATM of IB or another bank with the symbol of “UnionPay” at home. 4. UnionPay and other card association Counter Pass inter-bank transfer (local and non-local): provide IB debit card users with inter-bank transfer service at counters of member outlets which jointed UnionPay Counter Pass program via UnionPay and other card association network. 5. Farmer assisting transfer: It refers to the service that the UnionPay acquirer institutions set up bank card handling terminal in designated cooperative service points (hereinafter referred to as “farmer assisting points”) in towns and villages, and transfer the fund from the debit card of remitter of IB to designated UnionPay account; Farmer assisting cash remittance means the service that the farmer assisting points collect small account of cash from remitter, deduct the account money of debit card account of IB in service point and transfer equal amount of fund into the UnionPay card account designated by remitter. |
"The real-time inter-bank transfer via electronic channels refers to the transfer via super internet banking, which can be handled in the following channels: internet banking, mobile banking and telephone banking. The amount of single transfer should not exceed RMB 1,000,000. At present, UnionPay Counter Pass service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian), Heilongjiang, subject to the latest announcements of other banks. The daily UnionPay ATM inter-bank transfer (local and non-local) limit is RMB 50,000. |
|
| 010103 | Overseas ATM Inquiry | RMB 2 each transaction | 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 October 1, 2016 to June 30, 2024. | To provide debit card customers of IB with the service of handling inter-bank inquiry via the ATM of another bank with the symbol of “UnionPay” and other card association at abroad. | ||
| 010104 | Inter-bank electronic cash binding and recharge | RMB 0.5 for each transaction | Provides the service of recharging electronic cash account from debit card current account of IB bound for customers via UnionPay inter-bank channels. | |||
| Foreign Exchange Service | 010301 | Foreign currency holding certificate | RMB 10 each certificate | 1. The Universal Wage Card users may enjoy exemption, which extends from the product's launch date to June 30, 2024; 2. The Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users may enjoy exemption, which extends from August 1,2014 to June 30, 2024. Among them, the preferences for Unbounded Debit Card and Teacher Respect Card users extend from the products' launch dates to June 30, 2024. |
Relevant certification issued by the bank to the applicant for him or her to bring foreign currency. | |
| Agency Service | 010401 | Transfer handling charges for UnionPay fund subscription | RMB 2 will be charged for each transfer not more than RMB 5,000, RMB 3 for each transfer more than 5,000 but not more than 50,000, RMB 5 for each transfer more than 50,000 but not more than 100,000, and RMB 8 for each transfer more than 100,000. | 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, valid from August 1, 2014 to June 30, 2024. | To provide debit card customers of IB with the funds remittance service to purchase funds under all cooperating fund companies in the UnionPay fund supermarket online directly by way of inter-bank transfer via the UnionPay internet banking system. | |
| 010402 | Advance cashing business of treasury bond | Charges at 1‰ of the principal advanced cashed; | Advance cashing business of saving bonds (electronic) and savings bonds (certificate) is handled for clients according to regulations | Charged according to the Ministry of Finance’s notice on the issuance of each national bond | ||
| Other services | 010801 | Safe Deposit Box service | 1. Rent for safe deposit box: RMB 120-8000 each per year, different rates apply in different sizes and renting period and offers provided for VIP clients. The specific rates are determined by the branch operation and clients. 2. Rent for postponed return of safe deposit box: charged based on the actual days of postponed return and the rent standard. 3. Liquidated damage for safe deposit box: no higher than "days of postponed return * (annual rent * 0.5%)", or may be exempted by branch operations as per the actual condition. 4. Box breaking fee for safe deposit box: RMB 500-800 each break, the specific rates will be announced by each branch operation. 5. Lock-changing / key-making fee for safe deposit box: RMB 200-500 each time, the specific rates will be announced by each branch operation. |
Offers for VIP clients are developed by each branch operation. | Provide renting, lock changing, key remaking and box breaking services of safe deposit box. | |
| 010802 | Personal deposit certificate | Time period certificate and time point certificate will both charged at the rate of RMB 20 each certificate | 1. 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 August 1, 2014 to June 30, 2024; 2. No fees for a Universal Wage Card. The above preferential exemption extends from the product's launch date to June 30, 2024; 3. Universal Life Debit Card (including Unbounded Debit Card, Teacher Respect Card) customers may enjoy exemption, which extends from August 1, 2014 to June 30, 2024, among them, the preference for Unbounded Debit Card and Teacher Respect Card extends from the product's launch date to June 30, 2024. |
To provide written document to the applicant with a view to certifying the personal deposits and savings bonds of the applicant in the bank. | ||
| 010803 | Handling charge for credit card installment service | 1. Interest for credit card installment service Charged by agreements. Approximate converted annualized interest rate for interest of credit card installment business (simple interest method): 0% - 18.25%. (The above benchmark ratio is the annualized internal rate of return calculated based on the cardholder's cash flow, and will be floated according to the customer's comprehensive situation, and there will be differences due to different situations like instalment products, bill intervals, actual number of days per month, early repayment, and partner merchants.) |
We provide service that allows clients to pay by a certain number of installments or repay our bank for the amount that our bank has advanced beforehand, including but not limited to consumption installment, bill installment and cash installment,etc. | |||
| 2. Default payment for credit card installment prepayment If the client applies to settle the installment in advance, the default payment for prepayment of credit card shall be charged according to the 3% of the remaining outstanding principal in the installment or the agreed pricing. |
If the client applies to settle the installment in advance, the credit card will be charged for default payment in advance. | |||||