短信交易费是什么？

中文：

短信交易费，顾名思义，是指在金融交易中通过短信服务产生的费用。这种费用常见于银行、证券公司等金融机构，当客户使用短信功能获取交易信息、账户变动通知或其他相关服务时，需要支付一定的费用。短信交易费的存在，旨在覆盖金融机构提供短信服务的成本，包括短信平台的维护、服务器运行、信息传输等费用。

随着科技的进步和互联网的普及，许多金融机构已经推出了更为便捷且成本更低的电子交易渠道，如手机银行和网上银行等。这些电子渠道不仅可以实时查询账户信息、交易记录，还能接收交易通知和提醒，而且通常不额外收取短信交易费。因此，对于经常进行金融交易的客户来说，使用电子交易渠道不仅能降低成本，还能获得更好的交易体验。

然而，在一些偏远地区或老年人群体中，由于技术接受度较低或缺乏互联网接入条件，短信交易费仍然是他们获取交易信息的主要方式。对于这些用户来说，了解和认识短信交易费是非常必要的，以避免不必要的经济负担。

英文：

What is SMS Transaction Fee?

The SMS transaction fee, as the name implies, refers to the cost incurred through SMS services in financial transactions. This fee is commonly found in financial institutions such as banks and securities companies, where customers are required to pay a certain fee when using the SMS function to receive transaction information, account movement notifications, or other related services. The existence of the SMS transaction fee aims to cover the costs incurred by financial institutions in providing SMS services, including the maintenance of SMS platforms, server operation, and information transmission.

With the advancement of technology and the popularity of the internet, many financial institutions have introduced more convenient and cost-effective electronic trading channels, such as mobile banking and online banking. These electronic channels not only allow real-time access to account information and transaction records, but also receive transaction notifications and reminders, often without additional SMS transaction fees. Therefore, for customers who frequently conduct financial transactions, using electronic trading channels can not only reduce costs but also provide a better trading experience.

However, in remote areas or among older adults, where technology acceptance is lower or there is a lack of internet access, the SMS transaction fee remains the primary means of obtaining transaction information. For these users, understanding and recognizing the SMS transaction fee is crucial to avoid unnecessary financial burdens.