What Is a Processing Fee?

Handling fee: Expenses incurred during handling. The term "procedure" is interpreted as "procedures." For example, handle "borrowing procedures", "transfer procedures", "securities transaction procedures" and so on. Therefore, the "handling fee" can be interpreted as: a type of labor compensation charged for handling related matters on behalf of others; or for the client, it is the corresponding remuneration paid by others for handling related matters on their behalf. Such as: securities transaction fees, agency ticket handling fees, withholding fee handling fees, government bond agency handling fees, and so on.

Handling fee

Handling fee: Expenses incurred during handling. The term "procedure" is interpreted as "

From a tax perspective, the various agency fees charged by the operator should be treated as

There are two types of handling fees in the banking system:

1. Interests other than loans are collectively referred to as handling fees. For example: interest on credit card installment repayment, interest on credit card overdue;

2. Costs incurred when handling business at the bank.

1 Industrial and Commercial Bank of China: Card handling fee of 5 yuan, annual fee of 10 yuan / year, less than 300 yuan for small account management fee of 3 yuan / quarter, the same city bank debit card withdrawal is free of handling fees, and the same city cross bank withdrawal of 4 yuan Pen; credit card deposits are free of charge, and 1% of the cash withdrawal amount, minimum RMB 1 per transaction, maximum 50 RMB per transaction

2 Agricultural Bank of China: Card handling fee of 5 yuan, annual fee of 10 yuan / year, less than 300 yuan for small account management fee of 3 yuan / quarter, intra-city interbank withdrawal of 2 yuan / pen (4 yuan in Guangdong Province); credit card cash withdrawal fee 1% of the amount, with a minimum of 1 yuan per transaction, plus 2 yuan cross-bank fee

3 China Construction Bank: Card handling fee of 5 yuan, annual fee of 10 yuan / year, less than 400 yuan for small account management fee of 3 yuan / quarter, intra-city interbank withdrawal of 4 yuan / pen + 1% of withdrawal amount

4 Bank of China: 5 yuan for card processing, 10 yuan / year, no small account management fee, 4 yuan / bank withdrawal in the same city

5 Bank of Communications: Card handling fee of 5 yuan, annual fee of 10 yuan / year, less than 500 yuan to receive a small account management fee of 3 yuan / quarter, intra-bank interbank withdrawal of 2 yuan / pen

6 Postal savings: 5 yuan for card processing, 4 or 12 yuan for inter-bank withdrawals, most provinces and cities do not charge annual fees and small account management fees

7 China Minsheng Bank: Free card application, no annual fee, no small account management fee (except for Shenzhen), the same city cross-bank withdrawal for the first 3 monthly free of charge, the next 2 yuan / transaction

8 China Everbright Bank: Free card application, no annual fee, no small account management fee, the same city cross-bank withdrawal for the first 3 monthly free of charge, after 2 yuan / transaction

9 CITIC Bank: Free card application, no annual fee, no small account management fee, the same city interbank withdrawal is free for the first 2 monthly payments, and 2 yuan per transaction thereafter

10 Hua Xia Bank: Free card application, no annual fee, no small account management fee, inter-bank withdrawal in the same city every day (Note 1 is not every month), the first one is free, and the next 2 yuan /

11 Shanghai Pudong Development Bank: Free card application, no annual fee, inter-bank withdrawal of 2 yuan / transaction, account management fee of 12 yuan / year, if the balance in the account is always more than 1,000 yuan, or a POS card consumption within the year (how much are It doesn't matter, they are just encouraging the use of the card), but exempt.

12 Industrial Bank: free of charge, no annual fee, no small account management fee, inter-bank withdrawals in the same city are free for the first 3 transactions per month, and thereafter 2 yuan / transaction

13 China Merchants Bank: free of charge, no annual fee, inter-bank withdrawals of 2 yuan per transaction (different regulations for withdrawal fees in some cities), account management fee: if the same customer's assets in the bank are less than 10,000 yuan, 1-5 yuan / (Each branch decides on its own, Beijing 1 yuan, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, the rest is not clear to me), the "average daily assets" here refers to the sum of all deposits and national debt in the bank, For example, if you deposit a regular deposit certificate of 10,000 yuan at China Merchants Bank, and you set up 10 bank cards, each of which has no money, then these 10 cards will not be charged, but you have 3 cards, and the card deposit is separately For 3,000 yuan, 2,000 yuan, and 2,000 yuan, the total is less than 10,000, then each card will be charged.

14 Shenzhen Development Bank: Free of charge, no annual fee, a small account management fee of 1 yuan / month is less than 300 yuan, but only POS card consumption once can be exempted for one year, so basically it will not be charged. Cross-bank withdrawals in the same city are completely free (except Shenzhen, Chengdu, Chongqing, 2 yuan / transaction)

15 Guangdong Development Bank: Free card application, no annual fee, no small account management fee, no matter the same city or different inter-bank withdrawal, the first 3 monthly free of charge, the next 3 yuan / transaction

16 Bohai Bank: In principle, the card is 20 yuan, the annual fee is 20 yuan / year, and the account management fee is 5 yuan / month for less than 5,000 yuan, but in fact, the card is free of charge, no annual fee, no small account management fee, and the same city Cross-bank withdrawal is completely free. This is a newly established bank with a national license (18 in the country). Currently, it only has branches in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan, and Chengdu.

17 Hengfeng Bank: Free of charge, no annual fee, no small account management fee, withdrawing 2 yuan per bank across the country. At present, the bank only has branches in Yantai, Qingdao, Jinan, Hangzhou and Nanjing.

18 Zheshang Bank: RMB 10 for card, annual fee of RMB 10 / year, no small account management fee, inter-bank withdrawals in the same city are free for the first 3 transactions per month, and thereafter for 2 yuan / transaction. Currently, the bank is only in Hangzhou, Ningbo, Wenzhou , Yiwu, Shanghai, Nanjing, Chengdu, Xi'an, Tianjin have business outlets.

19 Bank of Nanjing: All fees are free. There is no optional fee for withdrawals from any ATM in China.

20 Harbin Bank: Hold ATMs bearing the "UnionPay" logo and withdraw cash at ATMs with "UnionPay" logos in cities across the country. No fees are charged.