It seems that the annual fee for handling the card is 10 yuan, as well as 5 yuan's handling fee. 20 yuan gave him a * * * with a minimum deposit of 5 yuan.
At present, the State Administration of Foreign Exchange stipulates that every foreign exchange remittance must be declared by the head of household, which means they should check the source and reason.
Reasonable source is not important, just register.
If the amount is not large, you can withdraw cash directly or change it into RMB.
Are you opening a personal account? This is a private matter.
If it is remitted to your company's account, it is the company's.