Starting on October 12, 2016, Alipay will charge a 0.1% service fee for personal users exceeding the free cash withdrawal.
Everyone listened to the "pay" and tightened their wallets, but they didn't have to react so much:
1. Each individual user has a total of 20,000 yuan free cash withdrawal basis. However, this 20,000 is the accumulative amount, and the total of all the free quotas corresponding to an ID number is 20,000;
Second, the transfer of the balance treasure funds, including transfer to the bank card or transferred to the Alipay balance are free, mobile Alipay transfer, repayment continues to be free (PC must charge a certain fee rate), in general terms As long as the money is still in the Alipay system, there is no transaction fee involved;
Third, micro-business and small and medium sellers are crying in the toilet? No, Alipay signing merchants (including Taobao and Tmall sellers) use the “withdrawal†product to transfer funds from the Alipay balance to my bank card for free. However, individual businesses may be affected.
Xiao Bian randomly consulted a clothing store business offline shop owner this measure will not affect her way of charging (before she had been the default customer transfer with Alipay), she said, "How convenient to come," rates and banks Compared to "almost, slightly lower than the bank."
With reference to the transfer rates of major banks, RMB 2000 (inclusive) is usually between 0.1% and 0.4%. The larger the amount is, the lower the rate is, Alipay and WeChat are both 0.1%.
Is there any way to reduce the withdrawal of withdrawal fees?
One: spend money directly
You can use the money in your Alipay balance to buy, buy, and buy online. You can buy it offline and buy it.
Two: Ant scores use free credit
After the 20,000 yuan free quota is used up, you can use ants points to redeem your free quota. 1 credit = 1 free credit. With Alipay, you can accumulate ants.
Three: Use the balance treasure bridge
With a bank card to buy Yu Bao, Yu Bao can go to any of her own bank cards. You can use your A-card money to buy Yu-E Bao, and then transfer it out of your balance card to your own B-card.
Four: used to buy financial products
Redeem Qianbao or balance through Alipay Financial Funds, and then present it to my bank card for free, which will not be affected
Five: Use ant flowers
Buy as much as possible with ant rakes to pay, to repay the date with the balance to spend money, directly eliminating the cash withdrawal steps.
Sixth: Opening an intimate payment
Let the other half (first of all, you have to have...) open up for an intimate payment. He can't finish it. You pay directly with his money in Alipay to avoid transferring money between two people.
In addition, the money in Alipay's balance can be used to pay back the credit card. No service charge is charged.
The above measures are, in general, ... not to mention.
Prior to the launch of this move, Alipay was once on the verge of attack, but from the current situation, the public opinion feedback in the industry is not particularly fierce. It may be that before the withdrawal of the game by WeChat, many people have accepted the fact that the withdrawal is to be charged.
Ordinary users do not have to worry about it. After all, do you have 20,000 cash withdrawals?
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