Tomorrow is National Day! Are you ready to celebrate your mother’s birthday?
In order to celebrate the National Day better, minibus will talk to you about saving money today. Alipay and WeChat are commonly used payment software, but as the versions are constantly updated, there are fewer and fewer channels for free cash withdrawal. The friends said that although the handling fee is a small sum, if it can be saved, many a mickle makes a mickle … However, the free cash withdrawal channel has not been completely blocked. Today, the minibus will take care of everyone, how to withdraw cash for free.
Alipay free cash withdrawal
Let’s talk about the method of Alipay’s cash withdrawal first: 1. Redemption of points for free cash withdrawal. Whenever we use Alipay to shop or sign in, we can get points every day. These points can be exchanged for free cash withdrawal, and the higher the level, the higher the amount that can be exchanged for cash withdrawal. For example, if the minibus is a gold member of Alipay, it can exchange 1,000 points for 1,500 yuan of free cash withdrawal.
However, many people usually don’t pay attention to the point collection, so there are not enough points for redemption, or the free withdrawal amount for redemption is simply not enough. Then you can look at the following way. 2, credit card overpayment Now Alipay has a free amount of 2,000 yuan to pay back the credit card every month. If you have a credit card, you owe 1,000 yuan and pay back 2,000 yuan, then paying more than 1,000 yuan is an overpayment. This overpayment will be withdrawn into the bank card. However, it should be noted that not all banks’ overpayment withdrawals are free. For the time being, ICBC, CCB, Minsheng, Huaxia, Shanghai Pudong Development Bank, China Everbright Bank, China Merchants Bank, CITIC and Guangfa are free of charge. However, before the operation, it is best to consult the bank customer service, just in case. In addition, it should be noted that overpayment will pay off the outstanding bill of the credit card. For example, there is a credit card with a line of 10,000 yuan, which has already spent 5,000 yuan. This month’s bill is 1000 yuan, so there is no overpayment if you use Alipay to pay back 2,000 yuan. The cash withdrawal method of the overpayment is also very simple. For example, the minibus uses China Merchants Bank, and I pay for the credit card overpayment with 1000 yuan, so I can withdraw it through the path: Pocket Life APP- My-Audit Repayment-Overpayment.
China Merchants Bank needs T+2 before it can be withdrawn, and other banks will follow the rules of each bank.
However, some friends will find this method troublesome when they see it, or there is no credit card at all. Don’t worry, we still have a plan. 3. Alipay’s money collection code uses the money collected by Alipay merchants’ money collection code, and the withdrawal fee is free. If you don’t charge money, you can also find someone to do it together and pay each other, so that both of them will be free of handling fees. Application method: Enter the "payment code" in the search box on Alipay homepage, and the "application for payment code" will pop up in the search results. If you choose to print by yourself, you can save the collection code to the photo album. This method is available to everyone and will be free until April 2021.
But be careful, don’t take the initiative to open the "flower garden to collect money" in the merchant service, otherwise, you will be charged a service fee of 0.8% of the transaction amount. Small partners who have already opened can go to the "merchant service" page to turn it off.
4. Yu Libao withdraws cash through Yu Libao, that is, first transfer the money from Alipay balance to Yu Libao, and then transfer it from Yu Libao to the bank card, free of handling fees, and quickly withdraw the limit of 10,000 or 100,000 per day. Yu Libao is similar to Yu ‘ebao, which can be said to be "Yu ‘ebao for merchants", and the income will be slightly higher. However, Yu Libao needs to be opened. If you have opened the online merchant bank before June 2017, you can open it in the online merchant bank: My-merchant service-Yu Libao, start the service. If it is not opened before that time, you can also apply for the "payment code" we just mentioned in Alipay first, and then open it in Alipay: My-Merchant Services-More-Yu Libao.
5. Online merchant banks withdraw cash through online merchant banks, which is not only free of handling fees, but also arrives in real time. There is also a quota of 100,000 a year, and fees will be charged if it exceeds 100,000. The operation steps are also very simple, just open the online merchant bank in Alipay, transfer the balance of Alipay to the online merchant bank, and then transfer the money from the online merchant bank to its own bank card.
However, this method is only applicable to those who opened the online merchant bank before June 2017. If this condition is not met, it will not work.
Wechat free cash withdrawal
In this life, each of us has only a free withdrawal amount of 1000 yuan on WeChat. For the change that is already in the WeChat wallet, it is necessary to withdraw the fee anyway. What free cash withdrawal method does WeChat have for the new money? 1. The WeChat payment code is also the merchant payment code. Although it can realize free cash withdrawal, WeChat has more restrictions than Alipay. First of all, only some users can open it when invited, not immediately if you want to open it. Open the WeChat search applet "Collection Small Account Book", or find the "Collection Small Account Book" under the QR code collection in "Collection and Payment". Open the small collection ledger. If you can see the column "Apply for official collection code", congratulations, there is a game; If not, there is another way, perhaps to "save the country by curve".
People who rarely use the WeChat payment code usually can’t see the application entrance of the official payment code, such as the interface of the minibus.
At this time, it is necessary to click the operation of "clerk management", in which a total of 50 clerks can be added. If it is to withdraw free of charge, just add a close friend, scan the code face to face, or add a push link.
Wait until the next day to enter the applet, and you may find that there is an "official receipt code" application entrance. If it doesn’t work, try adding a clerk several times. All this makes WeChat think that if you want to open a store, it will help you open the permissions …
The permission of the clerk can also be set. If you don’t want the clerk, you can just remove it later, but the collection function will still be retained. Each free cash withdrawal limit is 500 yuan, with a maximum of 10,000 yuan a day, and like Alipay, only the money transferred by others with the receipt code can be withdrawn. 2. It is equivalent to "Alipay’s balance treasure" to borrow change to pass change, and it can also be deducted directly from it when consuming. The operation is to transfer the money directly from the bank card to the change account, which not only can make the withdrawal free, but also can make a profit, killing two birds with one stone. Path: I-Payment-Wallet-Coin Pass
3, bank payment code Many banks can apply for merchant payment code, and interested partners can also try to operate it, and then pay through WeChat or Alipay scan code, and the money can be transferred to the corresponding bank card. For example, ICBC (601398, Share Bar) makes e-payment collection:
The minibus thinks that if there is not much change in WeChat, it will be easier to spend it on daily expenses. If you are afraid of wasting money in it, it is ok to directly buy the wealth management products in WeChat Wealth Management and earn some income. However, WeChat is still not as atmospheric as Alipay … In the past, when it was promoted, the red envelope was very small, but now it is not soft at all. But there is nothing we can do. Now we are used to WeChat ~ Finally, I wish you all a happy National Day! Let’s meet again after the holiday ~
This article first appeared on WeChat WeChat official account: Financial Bus. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.
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