Foreign exchange can be transferred between two banks. Banks can accept personal foreign exchange accounts (including cash accounts and cash accounts) opened by domestic residents in their own names, as well as transfers between themselves and their immediate family members, but they cannot accept foreign exchange account transfers between themselves and others other than their immediate family members.

Foreign currency is the creditor's rights held by the monetary authorities in the form of bank deposits, treasury bonds of the Ministry of Finance and long short-term government bonds. Can be used when the balance of payments is in deficit.