No, citizens who travel can choose traveler's checks. Traveler's checks have many advantages, such as multiple fixed denominations, multiple currencies, unlimited use period, wide acceptance range and anti-counterfeiting measures on the face. They need to be countersigned when used, and can only be accepted if the initial countersignatures are consistent.

Therefore, if it is difficult to be stolen or impersonated after loss, you can get compensation after reporting the loss. You can exchange cash at major banks and exchange outlets around the world, or you can pay the bill directly at international hotels, restaurants, schools and other consumer places.

The extended information allows the bank to draw a bank draft paid by the bank in the receiving place, and the payee takes the draft to the foreign receiving place to prompt the bank for payment, or entrusts his bank to collect the money on his behalf.

A handling fee of 1‰ of the remittance amount is charged for remittance. If you remit cash, you will also be charged for converting it into cash. Compared with ordinary remittance, it saves a post and telecommunications fee. This is also a good way for you to go abroad. The payee is your customer.

Baidu encyclopedia-remittance