The bank with the lowest bid-ask spread of personal firm foreign exchange is China Merchants Bank, which can offer five kinds of quotations for each exchange rate combination: base price, preferential price, large price, VIP price and supreme price, such as USD/JPY base price spread of 24 points, preferential price spread of 18 points, large price spread of 16 points and VIP price spread of 14 points.
Bank of China has the highest spread.