What is the free withdrawal limit of Alipay?

Alipay’s free cash withdrawal limit is RMB 20,000; real-name authenticated Alipay accounts have a free cash withdrawal and transfer limit of RMB 20,000. The specific rules of Alipay are: Multiple real-name accounts under the same ID card share a basic free limit of 20,000 yuan for life (including transfer to bank cards and account balance withdrawals). After the limit is exceeded, a service fee of "0.1%" will be charged for the excess amount. Note that each person can have up to three Alipay platform accounts, and the quotas between these accounts are shared.

The operating environment of this tutorial: HarmonyOS 2 system, Alipay 10.3.0.8000, HONOR V30 mobile phone.

What is the free withdrawal limit?

To put it bluntly, the money you take out from Alipay (transfer/withdraw) must benefit the platform. Otherwise, why would people work in vain? In other words, you have to pay to withdraw money. Take out the money on Alipay. However, Alipay provides a "free quota", which is free within a certain range.

What is the free withdrawal limit of Alipay?

Alipay provides a basic limit of 20,000. That is to say, if you transfer or withdraw 20,000 from the platform, is it right? A service fee will be charged. But if you exceed it, you will have to pay!

After the free quota of 20,000 yuan is used up. There will be a 0.1% handling fee for cash withdrawals and transfers. A handling fee of 10 yuan is charged. A handling fee of one yuan is charged for every 1,000 yuan. A handling fee of 10 yuan will be charged for 10,000 yuan. And so on. The Alipay withdrawal limit of 20,000 means that you can withdraw cash from your Alipay account to your bank card for free if you accumulate less than 20,000. If you exceed the limit, you will be charged a withdrawal fee.

At the same time, this amount is not fixed. It will be related to your various behaviors. For example, you will need to pay a handling fee to transfer your balance to a bank card. You will also need to pay a fee to transfer Yu'E Bao money to a bank card. You will also need to pay a fee to transfer money to someone other than your own name through the Alipay platform. There is also a fee for cards.

However, there are several situations where the credit limit is increased. For example, if you are a merchant, Alipay will give you a credit limit. You can also redeem your points, which is related to your level. If you are a public member, the redemption rate is generally 1:1, and for gold members, the redemption rate is generally 1:1.5. The higher the level, the larger the redemption amount will be. In addition, a special reminder is that starting from January 8, 2021, Alipay has changed its new rules. Points redemption is not a lifetime quota, but has a time limit. Friends, when redeeming, be sure to pay attention to the amount you can use before redeeming. Otherwise, don’t redeem, otherwise it will expire and be wasted. Everything before this date is a lifetime quota.

Note: Each person can have up to three Alipay platform accounts, and the quotas between these accounts are shared.

Extended information:

1. Alipay will charge for transfers to bank cards and account balance withdrawals from October 12, 2016. The specific rules are as follows: Individual users: Multiple real-name accounts under the same ID card share a basic free limit of 20,000 yuan for life (including transfers to bank cards and account balance withdrawals). After the limit is exceeded, a service fee of 0.1% will be charged on the excess amount, with a minimum of 0.1 yuan per transaction.

Enterprise users: They are not affected by this charging policy, and the charging policy remains unchanged. If your basic free quota is used up, real-name users can use Ant Points to redeem more free quota when transferring funds to the card and withdrawing cash on the Alipay client. Transfers from the Yu'e Bao page to cards and transfers to Alipay accounts are not affected by the above charging rules.

2. The Alipay withdrawal limit is 20,000. It is a bank card that can withdraw cash from the balance for free. If it exceeds the limit, a handling fee will be charged. Specific situation: The free withdrawal limit for one account is 20,000. Each individual user can enjoy a basic free withdrawal limit of 20,000 yuan. After the basic free limit is used up, Alipay will also charge a service fee of 0.1% of the cash withdrawal amount for the portion exceeding the free limit. If the single service fee is less than 0.1 yuan, it will be charged at 0.1 yuan. Alipay offers free withdrawals of 20,000 yuan, not every year or every month, but cumulatively from now on. After the basic free withdrawal limit of 20,000 yuan is used up, you can also use Ant Points to redeem the limit. Using Ant Points to redeem free credits will not reduce your Ant membership level. Alipay withdrawal fees are only for individual users, Taobao Tmall sellers, 1688 and other sellers will not be affected.

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