2. If the foreign payment is usually in the other party's currency, you can directly change it into RMB at the bank counter, and the exchange rate is calculated at that time.

Whether you make a phone call when the money arrives at the bank depends on whether you handle this business yourself.

Of course, you need a password to open the card. If the withdrawal amount is not large, you can withdraw money directly from the ATM without an ID card. If the withdrawal amount is large, you can make an appointment and there is a special counter to handle it for you. As for the ID card, I remember that you can bring your password whether you go in person or not, but if you don't go in person for more than 50 thousand, you must provide your ID card. ) 。

You can get it directly from China Agricultural Bank. If it is Western Union remittance, you don't need an account number. After remittance, the other party will give you his address and a number. You can withdraw money with your ID card and the address and number provided by the other party.

I don't know if the above answers can make you understand and satisfy. I hope that experienced friends will give me more advice:)