qǔkuǎn huòzhě cúnkuǎn yǒu shǒuxùfèi ma?

question particle

Breakdown of qǔkuǎn huòzhě cúnkuǎn yǒu shǒuxùfèi ma?

• 有yǒu: to have
• 或者huòzhě: or
• 取款qǔkuǎn: to withdraw money

Questions & Answers about qǔkuǎn huòzhě cúnkuǎn yǒu shǒuxùfèi ma?

Why is 或者 used here instead of 还是?

This is a very common question.

In this sentence, 或者 means or in the sense of joining two possibilities as a general category:

• 取款或者存款 = withdrawing money or depositing money

Then the whole sentence asks whether a fee exists for either of those actions.

By contrast, 还是 is usually used in an alternative question, where the speaker asks the listener to choose between two options:

• 你要取款还是存款？
  Do you want to withdraw or deposit?

So:

• A 或者 B，有手续费吗？ = Is there a fee for A or B?
• A 还是 B？ = A or B? Which one?

That said, in real speech, some native speakers may still use 还是 in related situations, but for this sentence 或者 is the more standard choice.

What does 有 mean here? Is it really to have?