Settlement of foreign exchange is based on the spot exchange selling price.

As long as the U.S. dollars remitted from abroad are not taken out and placed in your bank card, they are spot exchange. If they are converted into RMB, the exchange will be settled at the instant spot exchange selling price announced by the bank where you go to settle the exchange. Yes, because banks charge spreads when conducting currency exchanges for customers, the selling price of spot foreign exchange is lower than the middle price of foreign exchange buying and selling.

Don’t take it out. If you take it out, your spot exchange will turn into cash, and then you will have less money to convert into RMB. The spot exchange rate is higher than cash.