I take my ID card to China Bank, and I can change it directly from Monday to Friday. Generally, provincial banks can withdraw foreign currency cash. Small branches can only deposit the foreign currency you want to exchange in your name, and take foreign currency cash to provincial banks or branches. The exchange rate quoted by the bank is changing at any time. You have a Zhang Zhongxing card, and you can check the quotations of foreign currencies in real time for free after opening online banking.