当银行邀请你参加活动领取支付立减金的时候，当心点，这可能是一个"甜蜜的陷阱"。 近期，有小红书用户反馈，自己打开银行app时弹出了一个"动账通知升级"的活动邀请，只需要关闭短信动账通知，打开手机银行动账提醒，在次月就可 以领取5元-15元的立减金。她按照银行的要求参加活动后，才发现上当了——本来终身免费的动账短信，现在再想重新开通，每个月要收费3元。 直到"银行免费短信正在消失"冲上了微博热搜，许多用户才发现，银行们正在纷纷对原本免费的动账短信通知"动手"。 一种是提升触发动账短信通知的金额门槛。比如今年4月中国银行调整用户账户变动触发免费短信通知的默认金额，起点金额从原来的0元上调为100元。 10月份，湖南农信将个人客户免费短信服务的通知起点金额从200元上调至500元。 还有的银行是干脆直接取消了免费政策，贵州农信则从今年10月起对个人新签约账户开始收取短信服务费。民生银行也终止对大于300元的动账短信提醒 优惠，动账短信提醒每个月收取2元费用。 01 不止短信，更多银行免费服务正在"退场" 曾经银行标配的免费动账短信通知集体退场，只是银行批量撤回"免费午餐"的冰山一角。2025年以来，多家银行密集调整 ...

Core Viewpoint - The recent increase in service fees by over 10 banks in the first half of 2025 is a response to the narrowing net interest margin and aims to enhance revenue sources and profitability [1][2] Group 1: Reasons for Fee Increases - The continuous narrowing of net interest margins has compelled banks to seek new revenue sources to improve profitability and risk resilience, with the net interest margin reported at 1.43% at the end of Q1, down 11 basis points year-on-year [1] - Banks are adjusting service fees to improve cost coverage and enhance equipment utilization efficiency [1] - The expansion of free services during the COVID-19 pandemic has increased pressure on net interest margins, prompting banks to optimize their service fee structures to ensure sustainable development [1] Group 2: Regulatory and Consumer Considerations - The adjustments in service fees align with the 2014 regulations allowing banks to set market-adjusted prices autonomously, while also respecting consumers' rights to information and choice [2] - Banks must communicate effectively with customers regarding the basis for fees and the value of services to avoid customer dissatisfaction and potential loss [2] - A careful balance must be struck between profit growth and customer satisfaction to mitigate negative social impacts from fee adjustments [2] Group 3: Long-term Strategies for Sustainability - Relying solely on new fees for income is not a sustainable long-term strategy; banks must focus on economic transformation and enhancing core competitiveness [3] - Smaller banks should leverage their unique characteristics and market positioning to offer customized financial products and services, creating competitive advantages [3] - There is a need for banks to accelerate digital transformation and improve operational efficiency to reduce costs and enhance customer experience [3]

Core Viewpoint - The banking industry is facing challenges in profitability, leading to increased service fees as a strategy to maintain revenue streams [1][10]. Summary by Sections Service Fee Adjustments - Suzhou Bank announced new service fees for its "Zunxing Card," with the gold card exempt from annual fees and the platinum card charging 588 yuan per year, effective from September 10, 2025 [2][4]. - China Bank will increase its credit card cash withdrawal fees from a maximum of 50 yuan per transaction to 100 yuan, effectively doubling the fee. ATM withdrawal fees will also change to 1% of the withdrawal amount, with a minimum of 10 yuan and a maximum of 100 yuan per transaction [5]. - Uhuai Bank plans to implement service fees for credit services and syndicate loans starting June 13, 2025, including a 20 yuan fee for personal deposit certificates and a 200 yuan fee for unit credit certificates [8][10]. Reasons for Fee Increases - The primary reason for the increase in service fees across various banks is to enhance revenue, as the net interest margin from loans and deposits is decreasing. Banks are compelled to find alternative revenue sources to maintain profitability [10].

Core Viewpoint - Recent adjustments in service fees by multiple banks have sparked widespread market attention, with changes affecting various services such as credit verification, annual fees for bank cards, ATM cross-bank withdrawals, and cross-border wealth management [1][10]. Fee Adjustments - Uuhai Bank announced that starting June 13, it will charge for credit verification and syndicate loan services, with personal deposit verification costing 20 yuan per piece and corporate credit verification costing 200 yuan per piece [1][3]. - Suzhou Bank will introduce a new service fee for its "Zunxing Card," with the gold card exempt from annual fees and the platinum card costing 588 yuan per card per year, effective from September 10, 2025 [4][6]. - Lujian Rural Commercial Bank will change its ATM cross-bank withdrawal fee from free to 3.3 yuan per transaction starting September 1, with social security cards exempting the first two transactions each month [7]. - Bank of China will adjust several service fees related to credit card settlements starting June 10, 2025, including a new fee structure based on a percentage of the withdrawal amount [8]. Industry Trends - Many banks are adjusting service fees to enhance service quality, strengthen risk management, and cover operational costs, as traditional interest income is narrowing [10]. - The first quarter performance report indicates that among the six major state-owned banks, only Postal Savings Bank and Bank of China saw a year-on-year increase in net income from fees and commissions, while others experienced declines [10]. - There is speculation about a potential "fee war" among banks, with compliance emphasized as each fee adjustment requires regulatory approval and public notice [11]. Consumer Impact - Changes in fee structures directly affect consumer interests, with many consumers considering fees as a significant factor when choosing banking services [12][13]. - Experts suggest that banks need to improve communication with customers regarding the rationale behind fees and the value of services to balance profitability and customer satisfaction [14].