2. "Shop around."

3. Know the foreign currency exchanged by the bank.

4. USD can be used as transit currency.

5. What should I do with the extra foreign currency?

6. It is more cost-effective to charge no handling fee for overseas credit card swiping.

1. It's best to make an appointment in advance to change small currencies: if citizens need to change foreign currencies, they'd better call in advance or make an appointment in the business hall to inform them of the required currency and number, and bring their ID cards to the corresponding business hall for exchange the next day.

2. "Shop around". If you want to change RMB into dollars, euros and other foreign currencies, it mainly depends on the selling price posted by the bank. At the same time, different banks actually have different foreign exchange quotations, and there is little difference in quotations when changing small amounts of foreign currency, and the difference will be great when changing more.

3. Know the foreign currency of each bank: each bank outlet provides different foreign currency every day. For example, there are two branches of the Bank of China, one of which can only exchange US dollars, Hong Kong dollars and euros, and does not provide small currencies such as Thai baht and Korean won, while the other branch provides more currencies, and besides Korean won and Thai baht, it can also exchange 20 kinds of foreign currency cash such as Japanese yen.

4. The US dollar can be used as a transit currency: If the currency of a tourist destination cannot be exchanged in a local bank, you can first exchange RMB for US dollars and then exchange it for local currency. Because the exchange rate of US dollars is relatively stable, it is more favorable to exchange US dollars at home than abroad.

5. How to deal with the extra foreign currency: If you come back from traveling, if you still have a lot of foreign currency in your hand and have no plans to leave the country in the short term, you can change it into RMB if you need money, but you have to bear a certain exchange difference. On the contrary, if you often leave the country, or have a large amount of foreign currency left, you can open a foreign currency account, deposit all the remaining foreign currency into this foreign currency account, and earn interest.

6. It's more cost-effective to charge no handling fee for overseas credit card swiping: It's more cost-effective to swipe your card if you encounter a large amount of shopping when traveling abroad. Generally speaking, it is recommended to use UnionPay cards where they can be used. For example, in the United States, China, Hongkong, China and Macau, there is no handling fee for swiping UnionPay cards, and the current exchange rate is very favorable. In addition, you can also use the dual-currency credit card of Visa or Master. At present, foreign currency credit cards of many banks can be settled directly in RMB, eliminating the currency conversion fee for transferring money in US dollars.