There is a charge for withdrawing more than 1 000 yuan. According to WeChat, each user can enjoy a free cash withdrawal limit of 1 1,000 yuan for life. If the amount exceeds the limit, a fee will be charged according to the bank rate (the current rate is 0. 1%), with a minimum charge of 0. 1 yuan per transaction. This means that from March 1, the free withdrawal amount of the same user is only 1000 yuan, and the handling fee will be charged at the rate of 0. 1% for each withdrawal exceeding the limit, with a minimum charge of 0. 1 yuan.
The relevant person in charge of WeChat explained that for every transfer and withdrawal transaction based on WeChat payment, the bank must charge a transaction fee to WeChat payment. "Collecting the transaction fee for cash withdrawal is not the pursuit of revenue by WeChat payment, but is used to pay bank fees."
The WeChat payment team is actively communicating closely with the bank and striving to realize the transfer and withdrawal transaction completely free at an early date. Functions such as WeChat red envelope, face-to-face payment and AA collection are not affected, and the handling fee is still free.
Netizens expressed "dissatisfaction" with the New Deal. It is understood that the withdrawal transaction of WeChat users is mainly to withdraw the change in WeChat wallet to their bank cards. The sources of "change" are mainly grabbing red envelopes and WeChat transfer.
"It is really incomprehensible to charge for cash withdrawal. This is all my money. Why should I charge? " Wechat user "Vicky Sugar" said that she and her friends are used to WeChat payment, and the accumulated amount in WeChat "change" must exceed 1 1,000 yuan every month.
However, some netizens expressed their understanding of the withdrawal fee: "Cross-bank withdrawals must be handled, let alone from Internet companies to banks."
Last June, 5438+ 10, Tencent once said that WeChat can enjoy a 20,000-yuan fee-free quota for monthly transfer and face-to-face payment per person, and the excess will be charged to the bank according to the standard of 0. 1%.
Wechat business is most affected. Who has the greatest impact on WeChat cash withdrawal charges? The "two girls" who are engaged in micro-store management said that it will have a certain degree of influence. "We sell melon seeds in our store, and 30 yuan has one pack, but consumers usually buy more than four packs at a time in order to save postage". The "second girl" said that at present, the income from selling melon seeds through WeChat reaches tens of thousands of yuan every month. "In this way, my cost is inexplicably higher by tens of yuan."
Ms. Zhang, a WeChat merchant who does clothing customization in a circle of friends, said that the new regulations will make her pay more than 300 yuan a month. "For some goods with relatively high unit price, buyers may be required to pay with Alipay".
Alipay does not charge for cash withdrawal. The relevant person in charge of Alipay said that there is no handling fee for Alipay mobile phone and PC cash withdrawal transactions. "The existing policy has not been adjusted and will not follow up the charges."
However, using Alipay to transfer money on the PC (personal computer) web version still requires a handling fee, which varies according to the length of the account. Among them, the service fee for real-time receipt and receipt within 2 hours is 0.2%, and the service fee for next-day receipt is 0. 15%, with the lowest 2 yuan and the highest 25 yuan for each transaction.
In terms of banks, many banks now support inter-bank withdrawals and transfers for free.
From March 1, Xiao Zhang used WeChat to withdraw 2,000 yuan, and a handling fee of 1 yuan was required. Among them, 1 0,000 yuan is free of service charge, and 1 yuan is charged for the excess (1 0,000× 0.1%=1yuan). After that, he will charge a handling fee of 0. 1% per transaction, with a minimum of 0. 1 yuan per transaction.
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