| Business Category | Serial Number | Service Item | Service Fee | Preferential Policy | Service Description | Remarks |
| Payment and Settlement Services | 010101 | Deposit Service Fee | For UnionPay and other card association ATM interbank deposits / “UnionPass Counter Pass” interbank deposits, a fee of 0.1% of the deposit amount is charged per transaction, with a minimum of RMB 3 and a maximum of RMB 50 per transaction. | UnionPay and other card association ATM interbank deposits: Interbank deposit services provided to CIB debit cardholders at domestic ATMs displaying card association logos (e.g. UnionPay). The availability of specific ATMs is subject to the announcements by the respective banks. “UnionPay Counter Pass” interbank deposits: Interbank deposit services provided to CIB debit cardholders via UnionPay network over the counter of member outlets participating in the “UnionPay Counter Pass” program. |
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. | |
| 010102 | Interbank Transfer Service Fee | UnionPay and other card association self-service interbank transfers / “UnionPay CounterLink” interbank transfers / agricultural support transfers/agricultural support cash remittances: For both intra-city and inter-region transactions, the first transaction per month are free of charge and a fee of RMB 4 per transaction applies starting from the second transaction. | 1. Individual customers enjoy fully waived fees for nationwide RMB transfer and remittance services via CIB’s electronic channels (including online banking, mobile banking APP, and WeChat banking), regardless of the amount and type (intra-city or inter-region, intra-bank or inter-bank). 2. CIB military support debit cardholders enjoy fee waivers for interbank transfers, effective from June 1, 2019 to June 30, 2026. 3. Financial Social Security cardholders enjoy the first 10 transactions per month free of charge for domestic ATM interbank transfers, effective from April 1, 2021 to June 30, 2026. 4. UnionPay and other card association self-service interbank transfers / “UnionPay CounterLink” interbank transfers / agricultural support transfers/agricultural support cash remittances: 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 second and third transactions per month, This preferential policy is effective from January 1, 2021 to June 30, 2026. 5. Interbank transfers via UnionPay online channels are free of charge. This preferential policy is effective from January 1, 2021 to June 30, 2026. |
1. Regular interbank inter-region transfers via electronic channels: Transferring personal customer funds from CIB accounts (excluding credit cards) to accounts at other banks (inter-region transfers only) via electronic channels. 2. Real-time interbank transfers via electronic channels: RMB transfer and remittance services to corporate/personal accounts at other banks via the PBOC’s Online Payment Interbank Clearing System (Super Internet Banking). Funds credited immediately upon successful transaction. 3. UnionPay and other card association self-service interbank transfers (intra-city/inter-region): Services for CIB debit card customers to process intra-city/inter-region interbank transfers through self-service channels (including ATMs and fixed-line terminals) displaying card association logos (e.g. UnionPay) in China, whether operated by CIB or other banks. 4. “UnionPass Counter Pass” interbank transfers (intra-city/inter-region): Interbank transfer services provided to CIB debit cardholders via UnionPay network over the counter of member outlets participating in the “UnionPay Counter Pass” program. 5. Agricultural support transfers refer to direct transfers of funds from the remitters’ CIB debit cards to the designated UnionPay card accounts specified by the remitters through bank card acquiring terminals set up by UnionPay acquirers in designated cooperative merchant service points in villages and townships (or towns) (hereinafter referred to as agricultural support service points). Agricultural support cash remittances refer to services where small cash amounts from remitters are first collected at agricultural support service points, followed by equivalent fund transfers to the remitters’ designated UnionPay card accounts through deductions from the CIB debit card accounts held by the service points. |
1. Real-Time interbank transfer via electronic channels: For online banking, and mobile banking, the single-transaction amount shall not exceed RMB 1 million. 2. 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. 3. The maximum daily limit for UnionPay and other card association ATM interbank transfers (including intra-city and inter-region) is RMB 50,000. |
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| 010103 | Overseas ATM Inquiry | RMB 2 per transaction | 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 October 1, 2016, to June 30, 2026. | Interbank ATM inquiry services for CIB debit cardholders at overseas ATMs displaying card association logos (e.g. UnionPay). | ||
| 010104 | Interbank Electronic Cash Binding and Top-up | RMB 0.5 per transaction | Service that enables CIB IC debit cardholders to top up electronic cash accounts from bound CIB debit card current accounts via the UnionPay interbank channel. | |||
| 010301 | Foreign Currency Carrying Certificate | RMB 10 per certificate | All customers enjoy fee waivers, effective from July 1, 2025 to June 30, 2026. | CIB issues this certificate to verify the applicant’s eligibility to carry foreign currency. | ||
| Agency Services | 010401 | UnionPay Fund Subscription Transfer Service Fee | RMB 2 for each transaction of not more than 5,000 (inclusive); RMB 3 for each transaction of more than RMB 5,000 but not more than RMB 50,000 (inclusive); RMB 5 for each transaction of more than RMB 50,000 but not more than RMB 100,000 (inclusive); RMB 8 for each transaction of more than 100,000 | VIP customers may enjoy fee waivers, i.e., the diamond, black gold and platinum customers may enjoy full fee waivers and gold card users may enjoy a 50% discount, effective from August 1, 2014 to June 30, 2026. | Providing CIB debit card customers with the funds remittance service of online direct purchase of fund under all cooperative fund companies in the UnionPay fund supermarket by way of interbank transfer via the UnionPay internet banking system. | |
| 010402 | Treasury Bond Early Redemption Service | Charged at 1‰ of the principal amount redeemed | Early redemption services for both electronic savings treasury bonds and certificate savings treasury bonds in accordance with applicable regulations. | Charged based on the issuance notices issued by the Ministry of Finance for each bond series | ||
| Other Services | 010801 | Safe Deposit Box Service | 1. Rental fees: Annual rates range from RMB 120 to RMB 8,000, varying by box dimensions and lease duration. Specific standards are established and publicly disclosed by branch offices. 2. Overdue rental fees: Calculated based on actual days overdue and applicable rental rates. 3. Late payment penalties: No more than [overdue days × (annual rent × 0.5%)]. Specific rates are determined and publicly disclosed by branch offices per local regulations and market conditions. 4. Forced box opening fees: RMB 500 to 800 per occurrence, with specific rates set and publicly disclosed by branch offices. 5. Lock replacement/key duplication fees: RMB 200 to 500 per service, with specific rates established and publicly disclosed by branch offices. |
Preferential policies for VIP customers are determined and publicly announced by branch offices. | Safe deposit box services including rentals, lock replacements, key duplication, and forced box openings. | |
| 010802 | Personal Deposit Certificates | Personal deposit certificates include point-in-time and period certificates. Paper versions are charged at RMB 20 per copy; electronic versions are free of charge. | 1. VIP customers may enjoy fee waivers, i.e., the diamond, black gold and platinum customers may enjoy full fee waivers and gold card users may enjoy a 50% discount, effective from August 1, 2014 to June 30, 2026. 2. Universal Wage cardholders enjoy fee waivers, effective from the product’s launch date to June 30, 2026. 3. Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers enjoy fee waivers, effective from August 1, 2014, 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. |
Issuing a written document to certify an applicant’s personal deposit and savings bond holdings with CIB. | ||
| 010803 | Credit Card Installment Services | 1. Credit card installment interest Charged as per agreement. Approximate annual percentage rate (simple interest method) for installment interest: 0% to 18.25%. (The above benchmark rate is calculated as the annualized internal rate of return based on cardholder cash flows, and is subject to adjustment according to the customer’s comprehensive profile. Variations may occur due to factors including but not limited to: selected installment product type, days between transaction date and statement date, actual number of days in each month, early repayment, and different cooperative merchant arrangements.) |
Installment services that allow customers to repay CIB’s advanced funds in fixed periodic payments over predetermined terms, including but not limited to purchase installment, statement installment, and cash installment plans. | If a customer’s installment plan subsequently becomes overdue, overdue repayment penalties shall be charged according to the standard of the “Credit Card Late Payment Penalty” (Serial Number: 000103) specified in the Comprehensive Service Fee Schedule. (Credit card late payment penalty: 5% of the unpaid portion of the minimum payment, with a minimum charge of RMB 20 or USD 3.) | ||
| 2. Credit card installment early repayment penalty (valid until August 30, 2025, inclusive) A credit card installment early repayment penalty of 3% of the remaining outstanding principal or the agreed pricing shall be charged to customers applying for early settlement of the installment amount. |
Early repayment penalties will be charged to customers applying for early settlement of the installment amount. | |||||
| 2. Credit card installment early repayment penalty (effective from August 31, 2025) A credit card installment early repayment penalty of 3% to 9% of the remaining outstanding principal shall be charged to customers applying for early settlement of the installment amount. The specific percentage shall be subject to the agreement signed by the customer at the time of service application. |
Early repayment penalties will be charged to customers applying for early settlement of the installment amount. |