The foreign exchange in my hand is sold to the bank at the cash purchase price.

Transfer through foreign countries and so on is the purchase price of cash,

Buying foreign exchange by yourself depends on the selling price.

Of course, the buying price is different from the selling price. What banks earn is the price difference, which is generally around 2%-3%.

You can buy it with your ID card, with a limit of $50,000 per person per year equivalent to foreign exchange.

There may be some risks (counterfeit money, etc.) ) in channels other than banks.