Hello everyone! This is House IT, I am Langge.
Many people know that Alipay has Yu Libao:
For Yu Libao, this is a financial service provided by MYbank, which is affiliated with Alipay. The money saved can make a profit of about 2% per year. The type is similar to the previous Yuebao, providing services similar to monetary funds.
However, Yu Libao offers an annualized rate of return slightly higher than the bank's demand deposit rate and is not the most attractive. Woolies' preferred service is to transfer bank transfers from online merchants to your own card with no fees!
You know, the handling fee for Alipay withdrawal is still relatively expensive. Although there is a free limit of 20,000 yuan per Alipay account, if the limit is used, a service fee of 0.1% will be charged, with a minimum of 0.1 yuan.
This means that if you withdraw $1, you will be charged a processing fee of $0.1. If you withdraw $10, a handling fee of $0.1 will be charged.
In this era of free bank transfers, Alipay actually charges a certain fee for withdrawals. The feelings of Langge are:
But fortunately, there is also MYbank, Alibaba's real son. Alipay users can transfer the Alipay balance to MYbank first, and then transfer it to other bank accounts to avoid Alipay withdrawal fees. It can also be considered as a way for Alipay to make money.
In addition, this method can transfer up to 100,000 yuan per day, which is enough for many friends.
However, the option to waive withdrawal fees will be turned off.
Today, MYbank, which has a close relationship with Alipay, issued a notice to adjust the deposit rules for MYbank's second-class accounts. In the future, the balance of Alipay will no longer be transferred to MYbank.
MYbank also responded to an interview with a reporter from Beijing Business Daily on April 19, saying that MYbank will adjust according to business rules and stop the Alipay balance transfer function. At the same time, MYbank Type II accounts only support personal bonds. Bank account transfers.
This news has also sparked a heated discussion about the IT Home application.
Some netizens said, Ye Qingjie! Alipay withdrawal fees are no longer waived.
Some netizens said that MYbank's own bank account is a secondary account. The central bank said that non-face-to-face secondary accounts only support transfers from personal linked accounts. Doing so is also a way to protect your funds.
Some netizens also expressed their nostalgia for MYbank and Yu Libao: I used Yu Libao to withdraw cash and repay credit cards in Alipay, all of which were received in real time and there was no limit. I should be able to save a few thousand. Thank you!
However, while you can't use Yulibao Online Banking to avoid Alipay fees, it's not the only way. Today, Langge has collected two tips for you to soak wool without Alipay. Friends in need can save this article or push it to friends in need!
Let's start with the video version of the tutorial, followed by the graphical version:
1. Credit Card Payment Methods
The credit card repayment limit given to you by Alipay itself is a free limit of 2,000 yuan per month, so if you have a balance in Alipay, you can immediately repay with that credit card without handling fees!
How to check the free limit of Alipay credit card payment: Open Alipay and search for [Credit Card Payment]
After you click Sign in, you'll see credit details and the free credits available this month.
Below this limit is the credit card you bind Alipay. Click the Refund button, enter the amount you want to refund, and then click Confirm Refund below.
In addition, some credit cards support the cancellation of overpayments. In other words, you can transfer money to that credit card instantly and cancel for free. Therefore, credit cards with this function can directly serve as a transit point for Alipay payments.
2. How to redeem Alipay points
Alipay points can be earned every day by using Alipay, such as paying for shopping at the supermarket using Alipay.
Points can be redeemed for prizes. For example, last month, Langge exchanged points for a Tmall supermarket card:
In fact, points can also be exchanged for free cash from your Alipay balance.
The operation is also very simple. Enter the Alipay client, click [My]-[Alipay Membership]-[Pay]-Select the free credits you want to redeem.
At present, the 30 yuan free withdrawal limit requires 20 points, the 300 yuan free withdrawal limit requires 200 points, and the 1500 yuan free withdrawal limit requires 1000 points.
These two methods are the fee-free withdrawal methods currently tested by Longge himself. There are also some "old technologies", such as Alipay merchants, which use payment codes to withdraw money for free. After the Langge exam, he found that he had failed.
If you know of other ways to avoid Alipay withdrawal fees, tell Langea in the comments!