Ordinary savings cards can generally access foreign currencies, as long as the basic account corresponding to the savings card is a multi-currency account. If it is a smart card with 10% discount and one card, you can deposit the corresponding current passbook into a multi-currency account. See the account attributes printed on the first page of the passbook for details. If it is a single currency account, it can be adjusted to a multi-currency account at the outlet. If it is a financial gold card or a blue electronic age card, it is generally a multi-currency comprehensive account and can be deposited. At the same time, you can also buy a small amount of foreign exchange in personal online banking and directly buy US dollars to deposit in the card.

What should banks pay attention to when depositing foreign currency?

1. Pay attention to bank foreign currency deposits: learn to "compare three rates". There is little difference in short-term deposit interest rates of US dollars. Judging from the comparison of interest rates of dollar deposits between banks, there is little difference between demand deposits. The interest rate of 10 bank is 0.05%, and the interest rate of 0. 1% given by Guangfa Bank is slightly higher. The 1 month, March and June short-term deposit rates of several banks basically converge. State-owned banks generally adopt interest rates of 0.2%, 0.3% and 0.5%, while joint-stock banks and foreign banks have slightly higher interest rates. However, the difference between the highest and lowest interest rates of each bank is 0.05, 0. 1 and 0.25 percentage points respectively.

2. Pay attention to two points when depositing foreign currency in the bank: master the deposit term skillfully. In addition to "rate comparison", it is also necessary to grasp the deposit period. At present, the term of foreign currency time deposit is divided into five grades, namely 1 month, 3 months, 6 months, 1 year and 2 years. Because the interest rate of foreign currency savings will be affected by the international financial market, the stability is very poor and the interest rate changes frequently. Therefore, when foreign currency depositors participate in foreign currency savings, they need to judge the domestic and international financial situation and interest rate level according to their own experience and choose the length of foreign currency storage period.

3. Pay attention to bank deposits in foreign currencies. 3. The threshold limits are quite different. Finally, investors should pay attention to the difference of fixed demand threshold between Chinese banks and foreign banks. Generally speaking, the opening amount of foreign currency savings deposits, current accounts and fixed accounts is equivalent to RMB 100 yuan. In addition, investors should specifically ask whether there are other fees before depositing foreign currency, and some foreign banks should charge management fees.