The exchange of foreign currency for RMB is done directly according to the exchange price given by the bank, and the bank does not charge a separate handling fee. The bank's income is reflected in the exchange price.

The bank's quotations for buying Japanese yen and selling Japanese yen are different, and the difference between them forms the bank's income. The buying and selling price difference of different banks may be different. Taking ICBC's quotation as an example, in the absence of discounts, the difference between the bank's purchase of Japanese yen and its sale of Japanese yen is 0.7% of the exchange principal.