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Can domestic bank accounts be directly converted into foreign exchange?
Banks can accept domestic residents who need overseas remittance to pay tuition fees for studying abroad, domestic residents who need overseas remittance to support their families, and personal foreign exchange accounts (including cash accounts and cash accounts) for transfer between themselves and their immediate family members.

I can't accept the foreign exchange account transfer business between myself and others other than my immediate family members.

SWIFT international remittance of China Construction Bank includes remittance fee and post and telecommunications fee. Please consult the local 95533 for the specific charging standard.

Extended data

Individuals can entrust CCB to handle transactions between two freely convertible currencies to avoid exchange rate risks and achieve the purpose of maintaining and increasing the value of personal foreign exchange assets.

Personal foreign exchange trading business includes 15 foreign exchange currencies: US dollar, Japanese yen, Hong Kong dollar, British pound, euro, Swiss franc, Canadian dollar, Australian dollar, New Zealand dollar, Singapore dollar, Swedish krona, Danish krona, Norwegian krona, Macao dollar and Thai baht. Any two currencies can be combined for real-time foreign exchange trading.

Individual residents who open a foreign exchange deposit account in China Construction Bank may apply to China Construction Bank and get approval after examination. According to the foreign exchange quotation published by China Construction Bank, they can conduct firm trading between the two foreign currencies through the business front desk of China Construction Bank, telephone banking, online banking, mobile banking and STM.

CCB has the lowest remittance fee 1 yuan, and 50 yuan is the best. If the remittance amount is less than 5000 yuan, it will arrive in real time; If the remittance amount is higher than 5000 yuan, it will arrive in 3-5 working days.

References:

Baidu encyclopedia-bank remittance

China Construction Bank-Personal Foreign Exchange Remittance