If you have RMB in your hand, you only need to convert it into US dollars according to the selling price provided by the bank, and you don't need to pay other fees.
Direct remittance is a special business of cooperation between China Construction Bank and Bank of America, so you can't enjoy this discount when you go to other banks, so you need to pay a handling fee to the bank.
At present, the online banking of China Construction Bank does not support personal foreign exchange purchase and overseas remittance business, and it needs to be handled at the nearest bank outlet that can handle overseas remittance business.
When remitting money, you only need to provide the remitter's name, account number, bank name and SWIFT code of the bank. Under normal circumstances, the other party will receive the money you remitted the next day.