Bank Charges Are Still "&Nbsp"; The Four Banks Still Charge New Card Fees.

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The four major state-owned banks still need to pay the cost of new cards. Most of the joint-stock banks have cancelled the charges.

Financial experts advise that when customers open accounts, it is best to know if they need to open simultaneously.

Previously, the three departments of the CBRC, the central bank and the NDRC jointly issued a document requesting the cancellation of 11 types of 34 service charges.

Yesterday, the NDRC gave severe punishment to three bank general offices which illegally collected the loss of personal account password after July 1st, and fined 2 million yuan, 2 million yuan and 1 million 800 thousand yuan respectively.

However, reporter survey found that although the password loss reporting and other prohibited items under severe penalties

Banks use regulatory loopholes

When the reporter recently opened a bank account to many banks, he was advised by the customer service manager to open a new savings card with the passbook.

"It will be more convenient to use this way, and do not need to go through the counter to do related business, which will save you valuable time."

For convenience and other reasons, most customers choose "passbook + card" account opening method.

However, most customers do not know that it is free to open a passbook, but if you want to do it with the passbook, Zhang Xinka may charge for it.

According to the requirements of the CBRC and other departments, "the account opening and handling charges for personal savings accounts" belong to one of the 34 service charges which are exempted.

However, the so-called "free" is only aimed at opening passbooks, and there is no clear provision for new cards. This also opens the door for banks to continue collecting debit card fees.

The four banks still charge new card fees.

The reporter understands, for new card work cost, each bank's charging standard is different, the customer should pay special attention to.

Some banks offer free lunches to consumers while some banks are still charging them.

According to the latest announcement of the bank, 44 new bank cards in 16 banks have stopped collecting new card fees.

Most of the state-owned banks stipulate that the cost of new cards is not charged for gold or platinum cards.

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At the same time, most joint-stock banks have cancelled the charge for new cards at all levels.

But Shanghai Pudong Development Bank, Bank of communications, postal savings bank, Hang Hang Bank, Shanghai bank and East Asia bank are still charged 5 yuan.

In addition, the 10 yuan new card fee is provided by Zhejiang Merchants Bank's business card and growth card.