Market-based Pricing: CIB Comprehensive Service Fee Schedule

Market-based Pricing: CIB Comprehensive Service Fee Schedule
Business Category	Serial Number	Service Item	Service Fee	Preferential Policy	Service Description	Remarks
Payment and Settlement Services	000101	Account Management	Retail customers: Annual fees for credit cards (50% for supplementary cards unless otherwise specified): Standard cards: RMB 80 to 100 per card (set); Gold cards: RMB 200 per card (set); Platinum (elite edition)/Titanium credit cards: RMB 500 per card (primary/supplementary); Platinum credit cards (Edge edition): RMB 600 per primary card (no supplementary currently); Platinum credit cards (YOU series): RMB 900 per primary card, RMB 600 per supplementary card; Platinum credit cards (standard edition): RMB 2,600 per primary card, RMB 1,200 per supplementary card; Centurion platinum cards: RMB 6,000 per primary card, RMB 3,000 per supplementary card; Diamond cards: RMB 15,000 per card (primary/supplementary). Supplementary fee schedule for specialty credit card products: GOLF platinum credit cards: primary/supplementary: RMB 9,000 per card; Shanghai Mercedes-Benz platinum co-branded credit cards: RMB 3,500 per card; QQ Show credit cards (physical cards): MINI cards: RMB 40 per card.		Retail customers: Annual fees for credit cards: Providing credit card financial services, related value-added services, and benefits for cardholders.	Retail customers: Annual fees for credit cards: For credit card products without supplementary cards, only the primary card fee structure applies. For products with supplementary cards, the supplementary card annual fee will be charged at half of the primary card’s annual fee unless otherwise specified. CIB will not refund annual fees once collected. Cardholders shall bear full responsibility for any adverse impact on personal credit records resulting from overdue annual fee payments.
			Institutional customers: 1.Account opening: A one-time service fee of RMB 50 per account is charged for RMB corporate settlement accounts. 2.Account management fee: For RMB corporate settlement accounts opened for at least 3 months, a quarterly fee of RMB 30 to 150 per account applies if the average daily balance in the past 3 months is RMB 10,000 or less, or RMB 15 to 75 per account if exceeding RMB 10,000. 3.Credit card annual fee: Business card (UnionPay): RMB 300 per card; Mastercard Business Travel Credit Cards/VISA Corporate Cards: RMB 300 per card for gold cards; RMB 100 per card for standard cards. 4. Cross-border Wealth Management Connect account service fee: Charged as per agreement.	Institutional customers: 1. A 50% discount on account opening fees for all corporate settlement accounts will be effective from April 30, 2022 to September 30, 2027. 2. Waiver of account management fees and credit card annual fees will be effective from September 30, 2021 to September 30, 2027.	Institutional customers: 1. Account opening: Opening RMB corporate settlement accounts based on customer applications. 2. Annual fees for credit cards: Providing credit card financial services, related value-added services, and benefits for cardholders. 3. Cross-border Wealth Management Connect account service fee: “Southbound Connect” account services for overseas partner institutions of the Cross-border Wealth Management Connect business.	1. Account opening/management fees: Excluding custody accounts. 2. Annual fees for credit cards: For credit card products without supplementary cards, only the primary card fee structure applies. For products with supplementary cards, the supplementary card annual fee will be charged at half of the primary card’s annual fee unless otherwise specified. CIB will not refund annual fees once collected. Cardholders shall bear full responsibility for any adverse impact on personal credit records resulting from overdue annual fee payments. 3. Cross-border Wealth Management Connect account service fees will be charged according to this service fee schedule effective October 1, 2025.
	000102	Production Fee	Retail customers: 1. IC credit card production fee: RMB 5 per card, excluding specially priced card variants. 2. Specially designed credit card production fee: RMB 0 to 3,888 per card (pricing varies based on card theme, design, production craftsmanship, customized card number selection, and other personalized services).  3. Bluetooth Webprotect prefabricated certificate production fee: Charged at cost price. 4. Deluxe card for collection (metal version) production fee: RMB 2,880 per card.	Retail customers: Bluetooth Webprotect prefabricated certificate: Waived for diamond customers, effective from July 1, 2021 to June 30, 2026.	Retail customers: 1. IC credit card production fee: Charged for new issuances or replacements of IC credit cards, including new IC credit card issuance, IC credit card replacement, and magnetic stripe credit card upgrades to IC credit cards. 2. Specially designed credit card production fee: Charged for new issuances or replacements of specially designed credit cards. 3. Bluetooth Webprotect prefabricated certificate production fee: Mobile banking and personal online banking customer identity verification and authentication using third-party digital certificates issued by China Financial Certification Authority (CFCA)， the sole national-level electronic certification institution in China’s financial sector. 4. Deluxe card for collection (metal version) production fee: Charged for new issuances or replacements of deluxe cards for collection (metal version).	Retail customers: 1. IC credit card production fee: Charged for new issuances or replacements of cards, but waived for card renewals. Card production fees for IC credit cards and specially designed credit cards are charged upon card activation. 2. Deluxe card for collection (metal version) production fee: Charged for both new issuances and replacements, with no eligibility for any fee waivers or discounts. 3. Specially designed credit card production fee: Charged for new issuances, replacements, and renewals (including customized card designs) upon card activation. Custom card number selection service is charged only once upon activation of a newly issued card.
			Institutional customers: 1. Prefabricated certificate production fee: Both Bluetooth Gen 2 and Gen 1 prefabricated certificates are charged at cost price. 2. Corporate settlement card production fee: RMB 10 per card. 3. IC credit cards production fee: RMB 5 per card; 4. Voucher production fee: Charged to the recipient based on the printing cost price of the voucher.	Institutional customers: CIB Butler App bluetooth prefabricated certificate: Waived for Bluetooth Gen 2 prefabricated certificates from December 30, 2016 to September 30, 2027. Note: The above preferential policy applies to newly bound Bluetooth prefabricated certificates activated after enabling the CIB Butler App service during the promotion period.	Institutional customers: 1. Prefabricated certificate: A device provided to online banking customers for digital signatures and secure encryption of online transactions. It employs third-party digital certificates issued by certificate issuing institutions with electronic certification service licenses such as China Financial Certification Authority (CFCA) for customer identification and certification. 2. Corporate settlement card production fee: Charged for card issuance and replacements (including replacement due to loss). 3. IC credit card production fee: Charged for new issuances or replacements of IC credit cards, including new IC credit card issuance, IC credit card replacement, and magnetic stripe credit card upgrades to IC credit cards. 4. Voucher production fee: Charged to the recipient based on the respective printing cost price for vouchers such as settlement business authorization letters.	Institutional customers: IC credit card production fee: Charged for new issuances or replacements of cards, but waived for card renewals. Charged upon card activation.
	000103	Credit Card Late Payment Penalty	5% of the unpaid portion of the minimum payment, with a minimum charge of RMB 20 or USD 3.		Charged when the cardholder’s payment received by the due date (inclusive) is insufficient to cover the minimum payment.	The minimum repayment amount for each period is the sum of the following amounts: 5% of the cumulative unpaid consumption amount within the credit limit and 100% of the cash advance amount, all consumption amounts and cash advance amounts in excess of the credit limit, 100% of the amount payable for each installment payment, the unpaid portion of all previous minimum repayments, and all current fees, penalties and interest.
	000104	Credit Card Cash Withdrawal or Transfer Service Fee	1. Cash advance fee (including overdraft transfers): 2% of transaction amount, minimum RMB 20 or USD 2 per transaction, maximum RMB 500 or USD 100 per transaction (intra-city and inter-region transactions are charged equally). 2. Overpayment withdrawal or transfer fee: 0.5% of transaction amount, minimum RMB 5 or USD 1 per transaction, maximum RMB 50 or USD 10 per transaction. No fee applies for transferring credit card overpayments to cardholders’ domestic CIB accounts. 3. Overseas emergency cash withdrawal fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards): 2% of the transaction amount, with a minimum of RMB 20 or USD 2 per transaction, and a maximum of RMB 500 or USD 100 per transaction.		1. Cash advance fee (including overdraft transfers): Cash advance services for cardholders (including overdraft transfers) via multiple channels. 2. Overpayment withdrawal or transfer fee: Channels and services for accessing funds exceeding the overdraft amount in credit card accounts. 3. Overseas emergency cash withdrawal fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards): Emergency support service provided jointly by CIB and card associations to address potential emergency situations that customers may encounter overseas.	Institutional customers: Business procurement credit cards (standard corporate cards) do not support cash advances, credit balance withdrawals, or overseas overpayment cash withdrawals.
	000105	Card Loss Reporting Fee	Retail customers: Credit card loss reporting fee (excluding card replacements): RMB 50 per card for standard cards and UnionPay business cards; waived for other card types.		Retail customers: Services provided to secure customers’ accounts in cases of loss, theft, unauthorized use, or illegal possession of credit cards.
			Institutional customers: 1. Credit card loss reporting fee (excluding card replacements): RMB 50 per card for standard cards and UnionPay business cards; waived for other card types. 2. Commercial draft loss reporting fee:0.1% of the par value (RMB 5 at minimum)		Institutional customers: 1. Credit card loss reporting: Services provided to secure accounts in cases of loss, theft, unauthorized use, or illegal possession of credit cards. 2. Commercial draft loss reporting: Serviceｓ provided to protect the assets of acceptors or drawers in cases of commercial draft loss or theft.
	000106	Withdrawal Service Fee	Retail debit cardholders: Overseas ATM withdrawals: Each transaction is charged (RMB 12 + 0.5% of the withdrawal amount) (excluding ATM usage/service fees additionally charged by overseas ATM acquirers). Domestic interbank ATM withdrawals: For both intra-city and inter-region transactions, first 3 transactions per month are free of charge and a fee of RMB 3.5 per transaction applies starting from the 4th transaction. “UnionPass Counter Pass” interbank withdrawals: 0.1% of the transaction amount per withdrawal, with a minimum fee of RMB 3 and maximum fee of RMB 50 per transaction. Agricultural support withdrawals: 0.45% of the transaction amount per withdrawal, with a maximum fee of RMB 9. Special service for Migrant Worker Bank Cards: 0.5% of the withdrawal amount per transaction, with a minimum fee of RMB 1 and maximum fee of RMB 20.	Retail customers: Overseas ATM withdrawals: 1. Diamond, black gold and platinum cardholders enjoy the first 3 transactions per month free of charge and gold card users enjoy a 50% discount on the first 3 transactions per month, effective from January 1, 2017, to June 30, 2026. 2. Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers enjoy the first 3 transactions per month free of charge, effective from January 1, 2017, to June 30, 2026. The preferential policy for Unbounded Debit Cards and Teacher Respect Cards is effective from the products’ launch date to June 30, 2026. 3. Universal Wage cardholders enjoy the first 5 transactions per month free of charge, effective from the product’s launch date to June 30, 2026. 4. Enjoyable Life cardholders enjoy the first 3 transactions per month free of charge, effective from September 1, 2021 to June 30, 2026. Domestic interbank ATM withdrawals: 1. Diamond, black gold and platinum cardholders enjoy the first 10 transactions per month free of charge and gold card users enjoy a 50% discount on the 4th–10th transactions per month, effective from January 1, 2017, to June 30, 2026. 2. Wage Card (including Universal Wage Card) customers enjoy the first 20 transactions per month free of charge, effective from July 1, 2024 to June 30, 2026. 3. CIB Military Support cardholders enjoy the first 10 transactions per month free of charge, effective from June 1, 2019. 4. Financial Social Security cardholders enjoy the first 10 transactions per month free of charge, effective from April 1, 2021 to June 30, 2026. 5. Enjoyable Life cardholders enjoy the first 10 transactions per month free of charge, effective from July 24, 2021 to June 30, 2026. 6. Migrant Worker Salary Card (including New Citizen Debit Card) customers enjoy the first 20 transactions per month free of charge, effective from April 1, 2021 to June 30, 2026. The preferential policy for New Citizen Debit Cards is effective from the products’ launch date to June 30, 2026. Agricultural support withdrawals are free for the first transaction per card each month, effective from May 1, 2022 to June 30, 2026.	Retail customers: Overseas ATM withdrawals/domestic interbank ATM withdrawals: Interbank ATM withdrawal services for CIB debit cardholders at overseas/domestic ATMs displaying card association logos (e.g. UnionPay).​ “UnionPay Counter Pass” interbank withdrawals: Interbank withdrawal services provided to CIB debit cardholders via UnionPay network over the counter of member outlets participating in the “UnionPay Counter Pass” program. Agricultural support withdrawals: Small-amount withdrawal services provided to CIB debit cardholders through bank card acquiring terminals set up by UnionPay acquirers in designated cooperative merchant service points in villages and townships (or towns). Special service for Migrant Worker Bank Cards: Interbank withdrawal services over the counter provided to CIB debit cardholders at acquirers such as county-level regional credit cooperatives and the Postal Savings Bank of China.	Retail customers: The regions where the “UnionPay Counter Pass” service is available include Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian), and Heilongjiang. The latest service coverage areas are subject to CIB’s most recent announcement. The specific participating outlets are subject to the announcements of other banks.
			Institutional customers: Corporate settlement card interbank ATM withdrawal service fee: For both intra-city and inter-region transactions, first 3 transactions per month are free of charge and a fee of RMB 3.5 per transaction applies starting from the 4th transaction.		Institutional customers: Corporate settlement card interbank ATM withdrawal service fee: Interbank withdrawal services provided to cardholders via UnionPay ATMs.
	000107	Acquiring Services (valid until September 30, 2025, inclusive)	Special merchant settlement service fees are charged to merchants by acquirers per agreement, including card issuer service fees, UnionPay switching service fees, and acquiring bank service fees.	The domestic debit card transaction fees at standard merchants and the domestic bank card transaction fees at preferential merchants are implemented in accordance with the industry association’s fee reduction initiatives and bank card clearing institutions’ price discount plans. The discount period is subject to the notifications of bank card clearing institutions. The domestic bank card transaction fees are waived for exempted merchants. If there are any changes in relevant policies or regulatory requirements during this period, the latest notification from the regulatory authorities or bank card clearing institutions will be followed.	CIB provide its special merchants with bank card payment acceptance, barcode payment acceptance, fund settlement and account inquiry and reconciliation services.	The original service item name is “Special Merchant Settlement Service Fee (000107)”
		Acquiring Services (valid from October 1, 2025)	Charged according to the agreed price or the regulations of card associations or clearing institutions.	The domestic debit card transaction fees at standard merchants and the domestic bank card transaction fees at preferential merchants are implemented in accordance with the industry association’s fee reduction initiatives and bank card clearing institutions’ price discount plans. The discount period is subject to the notifications of bank card clearing institutions. The domestic bank card transaction fees are waived for exempted merchants. If there are any changes in relevant policies or regulatory requirements during this period, the latest notification from the regulatory authorities or bank card clearing institutions will be followed.	Acquiring services for customers.
	000108	Credit Card Replacement Fee	RMB 20 per card. No additional charge for standard mailing. Express delivery incurs an extra fee of RMB 20 per envelope.		CIB provides cardholders with card replacement services when their credit cards become unusable due to damage, breakage, faded signature, demagnetization, or other special circumstances. Express delivery service is also available upon the customer’s request.	Retail customers: The following credit card products enjoy waived fees: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, CIB & Xiamen Airlines Egret co-branded platinum credit card, CIB & Shanghai Mercedes-Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version).
	000110	Credit Card Overseas Emergency Services	1. Overseas emergency replacement card service fee: VISA Cards: USD 175 per card. Applicable to Standard Cards only; waived for other card types. 2. Overseas emergency cash withdrawal service fee: VISA Cards: USD 175 per card; MasterCards: USD 95 per card. Applicable to Standard Cards only; waived for other card types. For the above overseas emergency services, final fees are subject to the card association’s official pricing.		1. Overseas emergency replacement card service fee: Services of providing emergency replacement card issuance to cardholders when their original card is lost, stolen, or damaged overseas and an emergency replacement card is required. 2. Overseas emergency cash withdrawal service fee: Services of providing emergency cash disbursement to cardholders who have lost, had stolen, or damaged their cards overseas and require immediate funds.	1. Overseas emergency replacement card service fee: Applicable to VISA dual-currency credit cards and VISA single-brand credit cards only. 2. Overseas emergency cash withdrawal fee: Applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards. Business procurement credit cards (standard corporate cards) do not support cash advances.
	000111	Foreign Transaction and Currency Conversion Fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards)	Charged at 1.5% of the transaction amount.		For automatic local currency conversion services to the card’s settlement currency provided by CIB for cardholders’ overseas transactions settled through VISA or Mastercard networks in non-USD currencies.
	000301	Clean Collection Dishonor Fee	RMB 50 per transaction.		Services provided when clean collection items are dishonored overseas, assisting customers in requesting international return of the clean collection items.
	000302	Outward Remittance Services	1. Outward remittance service fee (retail customers): Charged at 0.1% of the remittance amount. Minimum RMB 50 per transaction for overseas remittances, maximum RMB 200; Minimum RMB 20 per transaction for domestic remittances, maximum RMB 100. No service fee for transfers to CIB’s domestic accounts. Additional charges may apply for overseas and domestic remittances, including telecommunication fees (if applicable) and third-party bank charges (if applicable). For cross-border foreign exchange remittances opting for the ​small amount full arrival service (remittance amount equivalent to ≤ USD 10,000), an additional RMB 50 per transaction will be charged on top of the service fee and telecommunications fee (if applicable). No third-party bank fees will apply in this case. 2. Outward remittance service fee (institutional customers): Charged at 0.1% of the remittance amount. Minimum RMB 50 per transaction for overseas remittances, maximum RMB 1,000; Minimum RMB 20 per transaction for domestic remittances, maximum RMB 200. Additional charges may apply for overseas and domestic remittances, including telecommunication fees (if applicable) and third-party bank charges (if applicable). For cross-border foreign exchange remittances opting for the ​small amount full arrival service (remittance amount equivalent to ≤ USD 10,000), an additional RMB 50 per transaction will be charged on top of the service fee and telecommunications fee (if applicable). No third-party bank fees will apply in this case. 3. Additional cash-to-remittance conversion fee for cash account outward remittances:​​ Charged at the price differences of foreign exchange rate announced on the current day. 4. Outward remittance inquiry fee: RMB 100 for each transaction within three months, RMB 200 for each transaction beyond three months but within six months, RMB 300 for each transaction beyond six months. Telecommunication fees and charges collected on behalf of other banks will be separately charged. 5. Remittance instruction modification / remittance countermand and return service fee: RMB 100 per transaction. Telecommunication fees and charges collected on behalf of other banks will be separately charged.	Outward remittances (retail customers): 1. VIP customers enjoy fee waivers of remittance service fees, i.e., the diamond, black gold and platinum card customers enjoy full fee waivers and gold card users enjoy a 50% discount on standard fees, effective from January 1, 2016 to June 30, 2026. Other fees, including telecommunications fees, cash-to-remittance conversion fees, and overseas bank charges, are not eligible for VIP customer preferential policies. 2. Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers enjoy full waiver of cross-border foreign exchange remittance service fees, effective from January 1, 2023 to June 30, 2026. 3. Universal Wage Card customers maintaining a minimum deposit balance of RMB 5,000 (or equivalent) are eligible for full waiver of cross-border foreign exchange remittance fees, effective from the product’s launch date to June 30, 2026. 4. Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers enjoy full waiver of cash-to-remittance conversion fees, effective from July 1, 2024 to June 30, 2026. Outward remittances (institutional customers): No service fee for outward remittance transactions transferred within the system between CIB’s domestic branches, effective from July 1, 2023 to June 30, 2026.	1. Outward remittance: Payment services for remitters to domestic and overseas beneficiaries, including cross-border foreign currency, domestic foreign currency, and cross-border RMB transactions. 2. Small amount full credit service: Innovative services provided for cross-border foreign exchange remittances with small amounts equivalent to or less than USD 10,000. Instead of deducting the fees charged by overseas correspondent banks from the principal amount, a fixed fee is directly charged to the remitter, enabling the overseas beneficiary to receive the full remittance amount quickly and completely. 3. Cash-to-remittance conversion: Services for converting foreign currency cash into foreign currency remittances for customers. 4. Outward remittance inquiry: Processing remittance status inquiries for customers. 5. Remittance instruction modification / remittance countermand and return: Modifying remittance instructions or countermanding and returning remittances.	1. Telecommunication fees are charged according to the “Communication Fee” item in the Comprehensive Service Fee Schedule. 2. To select the small amount full credit service, the remittance amount must be equivalent to less than USD 10,000, and all banks in the remittance chain must have launched this service. The remittance interface will notify customers when this service is available.
	000303	Inward Remittance Return Service Fee	USD 20 per transaction (including telecommunication fees)		Services for processing return of remittance for customers.	Return of remittance requested by the beneficiary of a clean collection: For items already settled (where the beneficiary of a clean collection requests return of funds for instruments already settled), the inward remittance return service fee applies.
	000305	Communication Fee	Retail customers: Message fee: RMB 100 per transaction; SWIFT message fees borne by other banks or beneficiaries will be charged to the responsible party at USD 25 equivalent per transaction.	1. Diamond customers enjoy full waiver of telecommunication fees. 2. Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers enjoy full waiver of cross-border foreign exchange remittance message fees for the first 30 transactions during the promotion period, effective from July 1, 2025 to June 30, 2026. 3. Non-diamond customers holding Universal Wage Cards with deposit balances equivalent to RMB 5,000 or more will be charged a cross-border foreign exchange remittance message fee of RMB 50 per transaction, effective from the product’s launch date to June 30, 2026.  4. The above preferential terms do not apply to SWIFT message fees borne by other banks or beneficiaries.	Retail customers: Transmission of various messages overseas upon customer request.
			Institutional customers: Telecommunication fees for telegraphic transfer letters of credit: RMB 200 per transaction. Telecommunication fees for letters of guarantee (L/Gs) (including standby L/Cs): RMB 100 per transaction. Telecommunication fee: RMB 100 per transaction. Bank-enterprise direct global fund management account reporting telecommunication fees may be charged according to the monthly package of the account and the agreement; message fees such as SWIFT message fees borne by other banks or beneficiaries will be charged to the responsible party at USD 25 equivalent per transaction. Mailing fees (registered mail/express delivery): Charged at the rate of charges of the express delivery supplier or the post office.	Bank-enterprise direct global fund management account reporting telecommunication fees are temporarily waived from September 15, 2021, to June 30, 2026.	Institutional customers: 1. Telegraphic transfer L/Cs: CIB provides services for issuing international L/Cs via telegraphic messages at customer request. 2. L/Gs (including standby L/Cs): CIB provides services for issuing international L/Gs (including standby L/Cs) via telegraphic messages at customer request. 3. Messages: Services include sending SWIFT messages and other communications per customer instructions, including account reporting messages under the bank-enterprise direct global fund management service. 4. Mailing: Service of dispatching various instruments externally based on customer requests.	For bank-enterprise direct global fund management transactions involving transfers and remittances, fees will be charged as per transfer and remittance fee schedule.
	000307	Test Key Verification Service Fee	RMB 100 per transaction		Authentication of encrypted test keys on payment messages for cross-border settlements such as remittances and L/C transactions, provided to customers as an add-on service.
	000308	Inquiry/Collection Follow-up Service Fee	RMB 100 per transaction, or USD 30 per transaction if charged overseas		Message inquiry and collection follow-up services provided to customers for cross-border settlements such as remittances and L/C transactions, provided as an add-on service.
	000309	Foreign Currency Instrument Loss Reporting and Countermand Fee	RMB 100 per transaction		Instrument loss reporting and countermand services provided to customers in case of loss of foreign currency instruments.
	000805	Export Cross-border E-commerce Foreign Exchange Receipts and Settlement Services	Export cross-border e-commerce foreign exchange receipts and settlement service fee: Charged at 0.1% to 0.6% of the funds received overseas by merchants.	Temporarily waived from July 1, 2021 to June 30, 2026.	Services provided to customers who register on CIB’s cross-border e-commerce foreign exchange business management platform and receive payments through the platform, including overseas payment collection, domestic foreign exchange settlement (executed according to CIB’s publicly announced foreign exchange rates), and fund release and crediting.	Charges are based on the withdrawal currency.
Agency Services	000401	Fund Custody Transfer Fee	Typically RMB 20 per transaction		Service provided to fund shareholders to transfer all or part of their fund shares held in their CIB account to a trading account at another sales institution.
	000402	Entrusted Loan Service Fee	Charged as per agreement		Services whereby CIB (as the trustee) disburses loans on behalf of the entrusting party in accordance with predetermined loan recipients, purposes, amounts, terms, interest rates, etc., while monitoring usage and assisting in loan recovery.	The method for collecting entrusted loan service fees shall be agreed upon between the entrusting party and CIB in the entrustment contract and charged to the entrusting party.
	000403	Agency Precious Metals Service Fee	Retail customers: Agency service fees shall not exceed 0.08% of the transaction amount.	Retail customers: Notice on Adjusting the Preferential Rate of Handling Charges for Agency Precious Metal Investment Products of the Shanghai Gold Exchange for Personal Customers	Retail customers: As a financial member of the Shanghai Gold Exchange (SGE), CIB acts as an agent for customers to conduct precious metals trading, fund clearing, and physical delivery activities within the SGE.	Retail customers: The agency precious metals service fee includes the transaction fees charged by the Shanghai Gold Exchange (SGE), and is waived for intraday closing trades on deferred products (subject to SGE’s latest rules).
			Institutional customers: Agency service fees shall not exceed 0.2% of the transaction amount.		Institutional customers: As a financial member of the Shanghai Gold Exchange (SGE), CIB acts as an agent for institutional customers to conduct precious metals trading, physical delivery, leasing, pledging, and related fund clearing activities within the SGE.	Institutional customers: The agency precious metals service fee includes the transaction fees charged by the Shanghai Gold Exchange (SGE). The standard service fee for self-directed investment customers is 0.11%, with negotiable preferential rates available based on CIB’s policies and branch-level agreements.
	000404	Other Agency Trading Service Fees	Charged as per agreement.		Agency trading services for bonds, interest rates, foreign exchange, and commodity products provided by CIB to customers by leveraging our industry-leading advantages in resources, distribution channels, customer base, project experience, network infrastructure, technological capabilities, and market intelligence.
Wealth Management Services	000601	Wealth Management Product Bank Management Fee	Charged in accordance with provisions specified in wealth management product sales documentation.		Services provided to customers purchasing wealth management products issued by CIB or other institutions, including but not limited to product design, product introduction, contract guidance, purchase assistance, information disclosure, and operational services.
Other Services	000801	SMS Service Fee	Retail customers: SMS alert service: RMB 1 per card per month. Credit card transaction SMS notification service fee: RMB 3 per account monthly (collected upon a quarterly basis); waived for platinum credit cards (including titanium cards) and diamond cards.	Retail customers: SMS alert service: 1. Customers newly subscribing to this service enjoy fee waivers for the first month. 2. Diamond, black gold and platinum cardholders enjoy fee waivers. 3. Wage Card (including Universal Wage Card), Enjoyable Life card and Universal Life Card (including Unbounded Debit Card and Teacher Respect Card) holders enjoy fee waivers. Among these, the fee waivers for Enjoyable Life card and Universal Life Cardholders are effective from August 1, 2014, to June 30, 2026, the fee waivers for Wage Cardholders are effective from July 1, 2024, to June 30, 2026, and the fee waivers for Universal Wage Card, Unbounded Debit Card and Teacher Respect Cardholders are effective from the products’ launch date to June 30, 2026. 4. CIB-Huafu Bank-Securities Joint Cardholders enjoy fee waivers, effective from January 1, 2018, to June 30, 2026. 5. CIB-Industrial Securities Joint IC Debit Cardholders enjoy fee waivers, effective from January 1, 2019, to June 30, 2026. 6. CIB military support cardholders enjoy fee waivers, effective from June 1, 2019 to June 30, 2026. 7. Financial Social Security cardholders enjoy fee waivers, effective from July 1, 2020 to June 30, 2026. 8. Migrant Worker Salary Cardholders (including New Citizen Debit Cardholders ) enjoy fee waivers, effective from April 1, 2021 to June 30, 2026. The fee waivers for New Citizen Debit Cards are effective from the products’ launch date to June 30, 2026.	Retail customers: SMS alert service: A basic value-added SMS service provided to CIB’s customers, allowing customers to voluntarily activate transaction notifications, balance threshold alerts, fund net value notifications, fund net value threshold alerts, precious metal market monitoring, and interactive SMS services as needed. Credit card transaction SMS notification service fee: Once activated, cardholders will receive real-time SMS notifications for all initiated transactions at their registered mobile number, ensuring full transaction visibility and enhanced card security.	Retail customers: 1. SMS alert service: On the billing day of each month, SMS alert service fees for that month (excluding the first month of activation) will be charged to debit cards with this service activated. 2.The credit card transaction alerts and balance change notification services provided through the Xingye Life APP and the CIB Credit Card official WeChat account are free of charge.
			Institutional customers: SMS alert service: RMB 10 per account per month for up to 20 SMS messages (inclusive). Any additional messages beyond 20 will be charged at RMB 0.3 per message. Credit card transaction SMS notification service fee: RMB 3 per account monthly (collected upon a quarterly basis); waived for platinum credit cards (including titanium cards) and diamond cards.		Institutional customers: 1. SMS alert service: Services including account change notifications, balance threshold alerts, and balance notifications provided based on customer requirements. 2. Credit card transaction SMS notification service fee: Once activated, cardholders will receive real-time SMS notifications for all initiated transactions at their registered mobile number, ensuring full transaction visibility and enhanced card security.	Institutional customers: 1. Account change notifications and transaction notifications on the Industrial Steward WeChat official account are free of charge. 2.The credit card transaction alerts and balance change notification services provided through the Xingye Life APP and the CIB Credit Card official WeChat account are free of charge.
	000802	Overseas Airport VIP Service Fee (Credit Card)	RMB 200 per person per use		VIP services at designated overseas airports for specified cardholders.
	000803	Customized Services	Charged as per agreement.		Customized and personalized financial services provided based on customer requirements.
	000804	Platform Service Fee	Charged as per agreement		Comprehensive services including account payment settlement, clearing, information exchange, and product transactions provided to customers through established systems or by utilizing CIB as a platform by leveraging CIB’s advantages in technology, channels, and information.