Hotel banks can't open foreign currency payment function for ordinary families. According to relevant information, ordinary households or individuals of the company can't open the cross-border RMB function and can't remit money directly. Foreign exchange must be settled into foreign currency first, and then the bank will charge a handling fee and then transfer it out of the country. Foreign currency refers to the currency other than the functional currency, which is the functional currency relative to the functional currency, and is specifically manifested as the currency other than the functional currency in accounting.