1, the concept is different. Spot purchase price refers to the bank's purchase of foreign currency representative bills from users at foreign exchange prices; The purchase price of cash means that the bank directly buys foreign currency cash from users, and individuals can withdraw cash.

2. Different fees: Because cash can directly transfer the foreign exchange deposits of users abroad to the bank, there is no need to bear additional fees, while cash needs to bear certain costs and storage fees, and may also need to adjust overseas freight.

3. Different remittance channels: cash can be directly exchanged at home and abroad, and funds under the user name can be directly transferred to the bank; However, remittance abroad requires a certain fee.