If you are a personal savings account (passbook, foreign currency card), when dollars are credited to your account, you can go to the bank to exchange them. Within $50,000, the bank will convert it into RMB at the exchange rate of the settlement exchange rate, and more than $50,000 will be converted to you at the cash purchase price. However, the Bank of China stipulates that each passbook can deposit up to 50,000 US dollars every year. If you can't exchange it, you can open more passbooks. If you have already made a discount.