管控成本、做活App,银行免费动账短信加速“退场”

第一财经
Feb 10

银行账户动账短信这一曾被视为“基础服务”的功能,正在加速变化。2025年以来,多家银行陆续上调免费动账短信的起点金额,小额交易不再触发短信提醒;若客户仍有需求,则需按月付费。近期,招商银行更将免费短信通知门槛抬升至5000元,进一步引发市场关注。业内普遍认为,在净息差收窄、运营成本承压的背景下,银行正通过精细化管理压降费用,并引导客户向App、公众号等数字化渠道迁移。“免费门槛”不断抬升从“笔笔...

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