Do you have any foreign currency on hand at present? If not, you can only take RMB to the bank to buy cash. The state does not allow banks to sell cash to individuals, and banks only buy cash, do you understand? There is no difference between cash and cash in foreign exchange transactions. The so-called spot exchange includes the costs incurred in the transportation process once the money is remitted out of the bank in the future, so the spot exchange price is high. When the same amount of cash and cash are exchanged for RMB, cash is exchanged much more. According to the regulations of the State Administration of Foreign Exchange, each person can only exchange US$ 50,000 and other foreign currency cash every year. The cash in your personal name can be transferred to all accounts with the same name (including inter-bank accounts, provided that it is within the mainland), and the bank does not charge any fees. Remit abroad. In addition, cash can also be transferred to the accounts of relatives and friends, but the household registration book should be provided to the bank. Cash is not allowed to be transferred, but can only be taken out and stored, otherwise a transfer fee will be paid. As soon as the cash is taken out, it becomes cash and is deposited in the bank again, so it will only be treated as cash, which is equivalent to the loss of value.