多家银行官宣上调提醒起始交易金额、收费标准

Core Viewpoint - Several banks in China, including Gansu Bank, have announced changes to their transaction alert SMS services, reflecting a shift towards digitalization and cost efficiency in the banking sector [1][2]. Group 1: Changes in SMS Notification Services - Gansu Bank will stop sending SMS notifications for transactions below 200 RMB starting November 1, 2025, while customers can still receive alerts through mobile banking and WeChat [2]. - Other banks, such as Bank of China, have also raised the threshold for SMS notifications, with Bank of China setting it at 100 RMB for certain customers [2]. - Guangdong Huaxing Bank and Liaoning Zhenxing Bank have increased their SMS notification thresholds to 500 RMB and 2000 RMB, respectively [3]. Group 2: Fee Adjustments and Service Changes - Some banks are reinstating SMS service fees or increasing existing fees, such as Guangdong Lechang Rural Commercial Bank, which will charge 3 RMB per month for SMS services [4]. - Minsheng Bank has also stopped offering discounts on SMS services, implementing a fee of 2 RMB per month per card starting March 1 [4]. Group 3: Industry Trends and Motivations - The shift away from free SMS notifications is driven by cost considerations and the need for banks to optimize their service offerings amid economic pressures and narrowing interest margins [5][6]. - The increasing prevalence of digital channels for transaction notifications has led banks to raise the thresholds for free SMS alerts, encouraging customers to use mobile banking and other digital services [6].