| strNo. | Service Item | Charging Rate | Preferential Measures | Services | Remarks |
| 010101 | Handling charge for deposit | UnionPay 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 ATM inter-bank deposit:provide IB debit card users with inter-bank deposit service at UnionPay 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 inter-bank deposit service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong(excluding Qingdao), Liaoning(excluding Dalian), subject to announcements of other banks. | |
| 010102 | Handling charge for inter-bank transfer | Non-local common inter-bank transfer via electronic channels/real-time inter-bank transfer via electronic channels: RMB 2 for a transaction not more than RMB 2,000; RMB 5 will be charged for each transaction more than RMB 2,000 but not more than RMB 5,000; RMB 10 will be charged for each transaction more than RMB 5,000 but not more than RMB 10,000; RMB 15 will be charged for each transaction more than RMB 10,000 but not more than RMB 50,000; 0.03% of the transferred amount for a transaction more than RMB 50,000, maximum RMB 50. Inter-bank transfer via Unionpay self-service channels (local)/ UnionPay Counter Pass inter-bank transfer (local)/Farmer assisting transfer (local)/Farmer assisting cash remittance (local): For an amount not more than RMB 10,000, RMB 3 is charged for each transaction; for an amount more than RMB 10,000 but not more than RMB 50,000, RMB 5 is charged for each transaction. For an amount more than RMB 50,000 but not more than RMB 100,000, RMB 8 is charged for each transaction; For an amount more than RMB 100,000, RMB 10 is charged for each transaction; Inter-bank transfer via Unionpay self-service channels (non-local)/UnionPay Counter Pass inter-bank transfer (non-local)/Farmer assisting transfer (non-local)/Farmer assisting cash remittance (non-local): 1% of the transaction amount will be charged as the transaction handling charges, minimum RMB 5 and maximum RMB 50. Handling charge for inter-bank transfer through Credit Card Cash installment: RMB 20 for each transaction |
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. | "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 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 network. 5. Inter-bank transfer of cash installment: It refers to the service that the bank transfers into the savings settlement account of another bank the cash withdrawn with the cash installment service offered to a credit card customer of the bank. 6. 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 50,000. UnionPay Counter Pass inter-bank transfer (local and non-local): fees will be charged from October 1, 2016." The daily UnionPay ATM inter-bank transfer (local and non-local) limit is RMB 50,000. |
| 010103 | Overseas ATM Inquiry | RMB 2 each transaction | Ever since October 1st, 2016, 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 Sunday, January 01, 2017 till December 31, 2017. | 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” 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. |
Notes: 1. The "local" scope is not smaller than the administrative division of a prefecture-level city, including the municipality directly under the central government, provincial capital, and city specifically designated in the state plan.
2. The charging rates for real-time inter-bank transfer or other services with an IB E-card are the same as the rates with IB debit card. Specifically, if there is any IB outlet at the place where the paying bank is located, no handling commissions will be charged for common inter-bank transfer with an IB E-card via internet banking or mobile banking (designated transfer / free transfer).
3. All oversea banking charges will be collected in line with the actual cost.
4. Changes to the charging rates and preferential policies of service items are subject to our latest notice.
5. If the local charging administration authorities set down unified prices for the above charging items, the branches in question may follow the relevant provisions.
6. The currency of price in all charging standards is RMB unless otherwise indicated.
7. Complaint hotline: “95561”; complaint email: “95561@cib.com.cn”; approach of written complaint: “Official Wechat Service Account of IB”.