Under normal circumstances, international remittances will be recorded directly, and there is no local withdrawal. If there is a handling fee problem in withdrawing money from different places, it is suggested that A handle the mobile banking of China Bank, and then open a local account under the original card when going to other areas, and connect with online banking at the same time, and then transfer the funds to the local account through mobile banking. Since the second account is not the default account, it must be handled at the counter. In this way, there is no handling fee, and there is no charge for using mobile banking. . . It should not be like what the bank staff said. I'm from the Bank of China, too. . I hope I can help you. .