To spend abroad, we should understand two concepts: foreign currency or foreign exchange. For short-term travel, it is recommended to change some foreign banknotes. If the amount is small, you can consider swiping the card. The most economical way is to go abroad to exchange their local cash, and the exchange rate is the most cost-effective. Foreign bank or cash exchange & gtVISA & gt domestic big bank exchange rate >; Host & gt UnionPay > Direct consumption in local currency is settled in US dollars.
Is it the selling price of RMB to Japanese yen in China? Yes, this refers to the ratio of the foreign currency price that the bank sells to you.
For example, USD-cash buying price is 665,438+08.58-cash selling price is 626.08. That is, you give the bank 100 USD, and he gives you 6 18 yuan RMB. You give him 628 yuan, and he gives you 100 dollars.
In foreign countries, do you use UnionPay card ATM to withdraw cash and convert it into RMB according to domestic yen or foreign currency against yen? According to the exchange rate provided by the bank, that is, the exchange rate of Huaxia Bank, the domestic yen is converted into RMB (the first charge is free, and checking the balance is also a transaction! Remember)
Is it the exchange rate+the handling fee for overseas ATM? Do you have any extra money to deduct? No, there may be multiple exchange rate conversion fees, depending on whether you take a US dollar account/RMB account.
I won't go into details about time today. You can ask questions again.