1. If it is cash exchange, you must go to the bank counter, and you need to bring your ID card to the counter to fill out the application for foreign exchange settlement before you can exchange it. 2. If the money is in the card, you can exchange it at the self-service terminal and then go directly to the counter to withdraw money. 3. Online banking settlement: log in to online banking, select investment and financial management, click settlement and sale of foreign exchange, select RMB settlement, and then withdraw cash from the bank.