Personal foreign exchange transactions refer to freely convertible foreign exchange (or foreign currency) transactions conducted by individual customers in banks. Personal foreign exchange transactions are generally divided into firm offer and fake offer. At present, according to the relevant national policies and regulations, only firm foreign exchange trading can be carried out, not fake foreign exchange trading. The following questions refer to personal firm foreign exchange transactions. Personal firm foreign exchange transaction, commonly known as "foreign exchange treasure", refers to the free exchange of foreign exchange (or foreign currency) transactions conducted by individual customers in banks through counter service personnel or other electronic financial services. Personal virtual foreign exchange trading refers to the foreign exchange (or foreign currency) trading in which the transaction amount can be enlarged several times after the individual pays a certain deposit in the bank. The traditional savings business is deposit and withdrawal business, with the purpose of earning interest. Personal firm foreign exchange trading is a kind of trading business, the main purpose of which is to earn the exchange rate difference. At the same time, customers can exchange their foreign currency into foreign currency with more appreciation potential or higher interest through this business, so as to earn exchange rate fluctuation difference or higher interest income. Personal firm foreign exchange trading is one of the most effective financial tools for maintaining and increasing the value of personal foreign exchange assets. Because individual investors can't invest in the B-share market and can't convert foreign exchange into RMB, individual firm foreign exchange trading can meet the purpose of maintaining and increasing the value of foreign exchange assets of the general public, so it has become another financial investment hotspot after stocks and bonds. All domestic residents with valid identity documents, full capacity for civil conduct and a certain amount of foreign exchange (or foreign currency) can conduct individual firm foreign exchange transactions. At present, the trading currencies are US dollar, Japanese yen, Euro, British pound, Australian dollar, Swiss franc, Canadian dollar and Hong Kong dollar. You can't. If customers need to exchange currencies other than personal foreign exchange trading currencies, the personal foreign exchange trading counter will not accept them. Customers can go to the bank exchange counter to calculate the exchange rate between foreign currency and RMB. In personal firm foreign exchange transactions, the quotations of British pound, Australian dollar and euro against the US dollar are the benchmark currencies, and the quotations of other currencies against the US dollar are the benchmark currencies. You can't. Personal firm foreign exchange trading is a business between foreign currencies, and RMB is not a freely convertible currency, so personal firm foreign exchange trading in RMB is not allowed. Free of transaction fees. You buy and sell in the foreign exchange treasure transaction of the bank according to the published foreign exchange quotation, and there is no additional transaction fee.