| Business category | No. | Service item | Charging rates | Incentives | Service Content | Remarks |
| Domestic Payment and Settlement | 010101 | Handling charge for deposit | UnionPay and other card association ATM inter-bank deposit/“UnionPay Counter Pass” Inter-bank Deposit: Each transaction is 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: providing IB debit card users with inter-bank deposit service at ATMs of other banks labeled UnionPay and other card association, subject to announcements of other banks. “UnionPay Counter Pass” inter-bank deposit: provide IB debit card users with inter-bank deposit service via UnionPay network over the counter of institutional outlets of members which jointed “UnionPay Counter Pass” program . |
“UnionPay Counter Pass” service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian) and Heilongjiang. The latest opening area is subject to the latest announcement of this Bank. The specific acceptance outlets are subject to the announcement of other banks. | |
| 010102 | Handling charge for inter-bank transfer | UnionPay and other card association inter-bank transfer through self-service channels/“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 a handling charge of RMB 4 per transaction begins with the second transaction. | 1. Individual customers who conduct RMB domestic transfer and remittance via IB electronic channels (including internet banking, mobile banking APP, WeChat banking and telephone banking) may enjoy exemption of the fee regardless of 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, 2025. 3. The fee for first 10 domestic ATM inter-bank transfers of financial social security card users per month are exempted, which is valid from April 1, 2021 to June 30, 2025. 4. UnionPay and other card association Inter-bank transfer through self-service channels/“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 users have a 50% discount for the 2-3 transactions per card per month, which is valid from January 1, 2021 to June 30, 2025. 5. UnionPay transfer thtough Internet channels is exempted, which is valid from January 1, 2021 to June 30, 2025. |
1. Non-local common inter-bank transfer via electronic channels: to transfer funds of a personal customer from its IB account (excluding credit cards) 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 a corporate account or personal account opened in another bank through the online payment inter-bank settlement system of the People’s Bank of China (Super Internet Banking). After completing the operation, the funds will be remitted to the receiving account on a real-time basis; 3. UnionPay and other card association inter-bank transfer through self-service channels (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 other domestic banks with the symbol of “UnionPay”. 4. “UnionPay Counter Pass” inter-bank transfer (local/non-local transfer): provide IB debit card users with inter-bank transfer service via UnionPay network over the counter of institutional outlets of members which jointed UnionPay Counter Pass program. 5. Farmer assisting transfer: It refers to the service that the UnionPay acquirer institutions set up bank card handling terminal in designated service points for cooperative merchants (hereinafter referred to as “farmer assisting points”) in townships (or towns) and villages, and transfer the fund from the IB debit card of the remitter to the designated UnionPay account; farmer assisting cash remittance means the service that the farmer assisting points collect small account of cash from the remitter, and then deduct funds of equal amount from the IB debit card account in service points which will be transferred into the UnionPay card account designated by the remitter. |
1. Real-time inter-bank transfer via electronic channel: internet banking, mobile banking and telephone banking. The amount of single transaction should not exceed RMB 1,000,000. 2. “UnionPay Counter Pass” service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian) and Heilongjiang. The latest opening area is subject to the latest announcement of the Bank. The specific acceptance outlets are subject to the announcement of other banks. 3. The maximum daily limit of ATM inter-bank transfer (local and non-local) of UnionPay and other card association is RMB 50,000. |
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| 010103 | Overseas ATM Inquiry | RMB 2 each transaction | The diamond, black gold and platinum customers may enjoy exemption of the fee for the first 3 transactions each month, and gold card users may enjoy a 50% discount for the first 3 transactions each month, which extends from October 1, 2016 to June 30, 2025. | To provide debit card customers of IB with the service of handling inter-bank inquiry via the ATM of another overseas bank with the symbol of “UnionPay” and other card association. | ||
| 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 channel. | |||
| International Payment and Settlement | 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, 2025; 2. The Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users may enjoy exemption of fees, which extends from August 1, 2014 to June 30, 2025. Among them, the preferential treatment for Unbounded Debit Cards and Teacher Respect Cards users extends from the products’ launch dates to June 30, 2025. |
Relevant certificates issued by the bank to the applicant of permission to hold foreign currencies. | |
| Agency Service | 010401 | Transfer handling charges for UnionPay fund subscription | RMB 2 is charged for each transfer transaction of not more than RMB 5,000 (inclusive), RMB 3 for each transfer transaction of more than 5,000 but not more than 50,000 (inclusive), RMB 5 for each transfer transaction of more than 50,000 but not more than 100,000 (inclusive), and RMB 8 for each transfer transaction more than 100,000. | VIP customers may enjoy concession/exemption of the fee, i.e., the diamond, black gold and platinum customers may enjoy the exemption and gold card users may enjoy a 50% discount, valid from August 1, 2014 to June 30, 2025. | To provide debit card customers of IB with the funds remittance service of online direct purchase of fund under all cooperative fund companies in the UnionPay fund supermarket 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 notices of the Ministry of Finance on the issuance of each national debt. | ||
| Other services | 010801 | Safe Deposit Box service | 1. Rent for safe deposit box: RMB 120-8000 per year. Different rates are applied in line with the sizes and renting periods. The specific rates are determined and announced by each branch. 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 more than “days of postponed return * (annual rent * 0.5%)”, the specific rates will be determined and announced by each branch according to the local regulatory requirements and market conditions. 4. Box drilling fee for safe deposit box: RMB 500-800 each time, the specific rates are determined and announced by each branch. 5. Lock replacement / key replacement fee for safe deposit box: RMB 200-500 each time, the specific rates are determined and announced by each branch. |
Offers for VIP clients are developed and announced by each sub-branch. | To provide renting, lock replacement, key remaking and box drilling services of safe deposit box for customers. | |
| 010802 | Personal deposit certificate | Personal deposit certificates include point-in-time certificates and time-period certificates. Paper certificates are charged at RMB 20 per copy, while electronic certificates are free of charge. | 1. VIP customers may enjoy concession/exemption of fees, i.e., the diamond, black gold and platinum customers may enjoy exemption and gold card users may enjoy a 50% discount, which extends from August 1, 2014 to June 30, 2025; 2. No fees for a Universal Wage Card. The preferential treatment above extends from the product’s launch date to June 30, 2025; 3. Universal Life Debit Card (including Unbounded Debit Card, Teacher Respect Card) customers may enjoy the exemption, which extends from August 1, 2014 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. |
To provide written documents to the applicant with a view to certifying the personal deposits and savings bonds of the applicant in this 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.) |
To provide the service that allows clients to pay by a certain number of installments or repay this Bank for the amount that the Bank has advanced beforehand, including but not limited to consumption installment, bill installment and cash installment, etc. | |||
| 2.Liquidated damages for the advance repayment of credit cards If a customer applies for payoff the installments in advance, the liquidated damages for the advance repayment of credit cards should be charged at the rate of 3% of the remaining principal or the agreed price. |
If the client applies to settle the installment in advance, the liquidated damages for the advance repayment of credit cards will be charged. | |||||