Both foreign exchange cash and spot time deposits bear interest, specifically according to the bank's listed interest rate. After the overseas remittance arrives, you should go to the bank to go through the settlement procedures yourself.

Foreign currency exchange range:

1. Different currencies have different exchange ranges;

2. A freely convertible foreign currency can be freely converted into other currencies without restriction;

3. Limited convertible foreign currency can only be exchanged under certain conditions, such as only a certain number of people can exchange it, or the amount of exchange is limited;

4. Non-convertible foreign currencies are not allowed to be converted into other currencies, or can only be converted into other currencies through special permission.