银行免费动账短信提醒正在消失

Core Viewpoint - Multiple banks are adjusting their transaction SMS notification services, including changes in pricing and minimum transaction amounts for notifications, which has raised concerns among personal customers regarding fund security [1][3][6]. Summary by Sections Service Pricing Adjustments - Ningbo Bank announced that starting from November 1, 2025, it will charge 2 yuan per month per account for transaction SMS services, with notifications starting at 0.01 yuan [3][4]. - Certain customer groups, including those over 60 years old, customers with an average monthly asset of 300,000 yuan or more, and social security cardholders, will continue to receive this service for free [3]. Minimum Transaction Amount Changes - Many banks have raised the minimum transaction amount for SMS notifications, with thresholds now commonly set between 100 yuan and 500 yuan, and some banks even raising it to 1,000 yuan [1][3][4]. - For example, Gansu Bank will stop sending SMS notifications for transactions below 200 yuan starting November 1, 2025, while Hunan rural commercial banks will increase the threshold from 200 yuan to 500 yuan starting October 23, 2025 [3][4]. Customer Reactions and Alternatives - The adjustments have led to dissatisfaction among customers, with concerns about the security of small transactions and the lack of notification for low-value transactions [6][10]. - Banks are encouraging customers to use alternative channels such as WeChat and mobile banking apps for free transaction notifications, providing detailed instructions on how to set up these notifications [6][8]. Industry Trends and Cost Management - The changes reflect a broader trend in the banking industry towards cost management and adapting to user behavior, as digital channels become more prevalent [8][9]. - Analysts suggest that the shift from SMS to digital channels is a strategic move to reduce costs associated with high-frequency, low-value transaction notifications [9]. Customer Communication and Rights - Banks are advised to ensure that customers are fully informed about these changes and have the ability to choose whether to opt-in or opt-out of services, maintaining transparency to avoid misunderstandings [10].