According to the official reply of Tencent customer service, users can transfer the funds in the bank card to WeChat wallet through the bank's mobile banking application or WeChat's "change pass" function. These operations are free in most cases, especially when using mobile banking to transfer money. Many banks provide inter-bank or point-to-point transfer services for free.

However, according to WeChat's cash withdrawal policy, each user has a certain amount of free cash withdrawal (as of 202 1, the information is 1000 RMB). If this amount is exceeded, a handling fee of 0. 1% will be charged for the excess, with a minimum charge of 0. 1 yuan per transaction.

In addition, if you transfer money to someone else's bank card through WeChat, you will generally charge a certain handling fee according to the transfer amount. The specific rate varies according to the bank and the transfer method.