1. This Service Fee Schedule is formulated in accordance with the Price Law of the People’s Republic of China, the Measures on Administration of Service Price of Commercial Banks (No. 1 Circular of CBRC and NDRC in 2014), Enforcement Guidelines for Commercial Banks’ Fee-Charging Practices (Fa Gai Ban Jia Jian [2016] No. 1408), and relevant regulations.
2. Our bank strictly enforces governing regulations relating to service charges, including but not limited to: “Payment and Settlement Measures” (Yin Fa [1997] No. 393), “Notice of the China Banking Regulatory Commission, the People’s Bank of China, the National Development and Reform Commission on the Exemption of Some Service Fees of Banking Financial Institutions” (Yin Jian Fa [2011] No. 22), “Supplementary Notice of the China Banking Regulatory Commission on Supporting Commercial Banks to Further Improve Financial Services for Small and Micro Enterprises” (Yin Jian Fa [2011] No. 94), “Guiding Opinions of the People’s Bank of China on Comprehensively Promoting the Rural Payment Service Environment” (Yin Fa [2014] No. 235), “Notice of the National Development and Reform Commission and the China Banking Regulatory Commission on Printing and Distributing the Catalogue of Government Referential Price and Government Pricing for Commercial Banking Services” (Fa Gai Jia Ge [2014] No. 268), “Notice of the China Banking Regulatory Commission on Further Implementing Regulatory Policies for Financial Services to Small and Micro Enterprises" (Yin Jian Fa [2015] No. 38)”, “Notice of the People’s Bank of China on Matters of Credit Card Business” (Yin Fa [2016] No. 111), “Notice of the People’s Bank of China on Matters Concerning Strengthen Payment and Settlement Management and Prevent New-type Illegal and Criminal Activities Related to Telecommunication Network” (Yin Fa [2016] No. 261), “Notice of the National Development and Reform Commission and the People’s Bank of China on Improving the Pricing Mechanism for the Handling Fees for the Use of Bankcards” (Fa Gai Pricing No. [2016] 557), “Notice of the National Development and Reform Commission and the China Banking Regulatory Commission on Cancellation and Suspension of the Charges for Some Basic Financial Service of Commercial Banks” (Fa Gai Jia Ge Gui [2017] No. 1250), “Notice of the China Banking and Insurance Regulatory Commission, Ministry of Industry and Information Technology, National Development and Reform Commission, Ministry of Finance, People’s Bank of China, and State Administration for Market Regulation on Further Regulating Credit Financing Charges to Reduce Comprehensive Financing Costs of Enterprises” (Yin Bao Jian Fa [2020] No. 18), “Notice of the General Office of the China Banking and Insurance Regulatory Commission (CBIRC) on Risk Alerts for Bank Confirmation Services" (Yin Bao Jian Ban Fa [2020] No. 110)”, “Proposal of the China Banking Association on Standardizing Fees for Bank Confirmation Services” (Yin Xie Fa [2021] No. 89), “Notice of the People’s Bank of China, China Banking and Insurance Regulatory Commission, National Development and Reform Commission and State Administration for Market Regulation on Reducing the Payment Fees for Small and Micro Enterprises and Individual Industrial and Commercial Households” (Yin Fa [2021] No. 169), “Initiative of China Banking Association and Payment & Clearing Association of China on Reducing Interbank ATM Withdrawal Fees” (Yin Xie Fa [2021] No. 70), “Initiative of Payment & Clearing Association of China and China Banking Association on Reducing Payment Fees for Micro-and-small Enterprises and Individual Businesses” (Zhong Zhi Xie Fa [2021] No. 62), “Notice of the Guiding Opinions on Regulating Bank Market Adjustment Price” (Yin Bao Jian Gui [2022] No. 2), “Notice of the CBIRC on Issuing the Interim Measures for the Administration of Personal Pension Business by Commercial Banks and Wealth Management Companies” (Yin Bao Jian Gui [2022] No. 16), “Self-Discipline Guidelines for Bank Confirmation Services by Banking Financial Institutions” (Yin Xie Fa [2023] No. 2), “Notice from China Banking Association on Issuing Initiative to Adjust Some Bank Service Prices to Improve Service Quality and Efficiency” (Yin Xie Fa [2023] No. 64), and “Joint Proposal of the China Payment and Clearing Association (CPCA) and China Banking Association (CBA) on Encouraging Reduction of Payment Fees for Small and Micro Enterprises” (Zhong Zhi Xie Fa [2024] No. 112).
3. The “CIB Retail Service Fee Schedule” applies to retail clients, the “CIB Institutional Service Fee Schedule” applies to institutional clients, and the “CIB Comprehensive Service Fee Schedule” apply to both retail and institutional clients.
4. Changes to service fees, preferential policies, and branch-specific offers shall be subject to our latest official announcements.
5. Where local pricing regulators prescribe uniform pricing for specific fee items, all branches shall comply with such regulations.
6. The scope of “intra-city” shall encompass a geographical area no smaller than the administrative division of a prefecture-level city, including transactions within the same municipality directly under the central government, provincial capital city, or city specifically designated in any state plan.
7. “Small and Micro Enterprises” refer to enterprises meeting the classification criteria stipulated in the Notice on Printing and Distributing Standards for Classification of Small and Medium Enterprises (GXBLQY [2011] No. 300).
8. Unless otherwise specified, all fees in the schedules are denominated in Renminbi (RMB).
9. Fees charged by third-party banks will be collected at actual cost. Where domestic/foreign regulators or industry associations have prescribed service charge requirements, such provisions shall prevail.
10. For credit card-related services requiring express delivery, an additional express fee of RMB 20 per envelope will apply. Retail clients holding the following cards are waived: 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). For other services requiring express delivery/postal mail, delivery fees will be charged according to the courier company or post office’s pricing standards.
11. No transfer fees will be charged for remittances of fiscal treasury funds, disaster relief payments, or pension benefits.
12. This Service Fee Schedule shall become effective on July 1, 2025. For preferential policies or remarks specifying alternative effective dates, such designated dates shall prevail.
13. Complaints Hotline: 95561; Complaints Email: 95561@cib.com.cn; Written Complaint Channel: CIB Official WeChat Service Account.