Which bank is cost effective to exchange foreign currency, and it is cost effective to use a card ov

<> don't have to go to the bank.

Every bank is in demand.

DU charges a handling fee.

Bank DAO foreign currency and capital.

The exchange between the currency and the foreign currency should charge a certain exchange fee, and the bank is converted according to the "cash ** price", rather than according to the "foreign exchange selling price" exchange, the former price is much lower than the later price, depositors will have a certain loss, sometimes the loss of exchange will even exceed the difference income of interest.

Since the renminbi is not yet freely convertible in the capital account, it should not be easily exchanged when the income from the exchange of renminbi is less than that of the direct deposit of foreign currency.

The practice of converting renminbi into foreign currency through the black market and depositing it in banks to preserve its value really outweighs the losses. Some foreign currencies do not have the interest rate and exchange rate of the renminbi at all; Black market foreign exchange ** is high and there is a great risk of counterfeit money.

RMB to foreign currency (due to private purchase of foreign exchange): Domestic residents can exchange foreign currency equivalent of no more than 2w US dollars per person per year with the original ID card and a photocopy. On the same day, you can directly withdraw the equivalent of 2,000 US dollars in foreign currency, and after depositing it into your personal account, you can withdraw the equivalent foreign currency of no more than 1w US dollars.

Foreign currency exchange for RMB (foreign currency exchange): If you bring your ID card and exchange foreign currency no more than 1w US dollars per person per day, go to the branch office or above to handle it, and no handling fee will be charged.

The UnionPay channel is cheaper, there is no UnionPay, if you can cash in cash, you can use the visa card to swipe, this is the most expensive.

If you are sure of the place and currency of your purchase, I won't say more, and you will bring cash if you are not afraid of losing it.

Generally, UnionPay cards can be exchanged directly with local currencies, and they are relatively cheap, and the exchange rate you said is indeed a place to make money, but the very small interest rate difference, I generally ignore it.

It often happens that when you go to Hong Kong, do you bring Hong Kong dollars or US dollars? In the case of US dollars, the estimated amount you pay for buying things is higher than the interest rate differential of the exchange rate, and the Hong Kong dollar faces the problem that some stores do not use it.

Similarly, when going to Singapore, the exchange of Singapore dollars is also a problem.

Bring a $2,000 emergency on your body, and where you can generally use the local currency, you can swipe the card, save the exchange, save the toss.

Basically, if you brush up on $1,000, the spread is only a few dollars, which is enough for a cup of coffee at most, so you don't need to save snacks.

I don't know the exchange rate you found, now the RMB is 6 points against the US dollar, how did it become 8 points, I don't know how many years ago the old yellow calendar. Are you exchanging euros? The euro is depreciating, it seems that it has fallen now, and there is still a risk of depreciation of cash, hehe.

Although I am very disgusted that UnionPay does everything and does not give private enterprises a chance, I have to say that UnionPay's international settlement** is still quite reasonable, and the foreigner is called a slaughterer.

If you use UnionPay to swipe your card, no matter which country you go to, you will only go through one exchange rate conversion, and there will be no card transaction fee.

Bank cards with the UnionPay logo issued by major banks (including salary cards, savings cards, wealth management cards and credit cards) issued by major banks can be used in UnionPay's overseas acceptance network, but if it is a dual-currency card, it can only withdraw money in some countries and some ATMs, and cannot go through the UnionPay network.

In addition, the so-called dual-currency card is actually RMB, and the amount of the US dollar is converted from RMB to US dollars, for example, if the RMB limit is 5,000 yuan, then the converted US dollar limit is almost 700 US dollars. But in fact, the amount you can use is 5,000 yuan, and there will be no more than 700 dollars.

Finally, if you are planning to go abroad, you can usually bring a UnionPay credit card to get it, and you may also be able to encounter UnionPay promotions when you spend abroad. Of course, if you are afraid that UnionPay will not be able to be swiped in some places, the best way is to bring another dual-currency credit card, just in case.

The former is more cost-effective because it reduces exchange losses. The official website of Super Finance has overseas machines to assist in the amount increase.

I mentioned it twice before in the [Hua Yu Bai] post bar to find the owner, and then I paid it back in installments, if you want to mention foreign currency in China, you can ask the person who is under the flower rain white sticker.

Foreign currency cards are only available for foreign currency single-currency accounts, and the card number is formulated according to different card issuing organizations, and can be used in the network of domestic and foreign card issuing organizations.

Dual-label cards, and those jointly issued by UnionPay and other card issuers, including dual currencies (RMB and foreign currencies), can be used under the ZD UnionPay network or another card issuing organization at home and abroad.

On Douyin, they can swipe Visa, which costs 15% of the cost, which is a bit expensive.

Visa is like this, you go to Douyin to find [Jing Xiaobei] This beauty to help you, they have a way to mention, I have mentioned it to her two or three times, foreign currency cards are divided according to the currency, the most common foreign currency cards in China are 100 US dollar cards, Hong Kong dollar cards, and recently launched euro cards and yen cards.

Foreign currency cards are divided into single-currency cards and dual-currency cards according to the number of settlement currencies.

A single-currency foreign currency card refers to a bank card whose deposits and credit limits are in foreign currency and should be repaid in foreign currency. Because the use of this product has relatively large limitations, it is only suitable for use abroad.

A dual-currency foreign currency bank card refers to a bank card with both RMB and foreign currency accounts for deposits and credit limits.