All UnionPay bank cards can accept foreign currencies, and there is no need to open a foreign exchange account.

All major domestic banks have launched international credit cards, either with RMB and specific foreign currency accounts, or with specialized single foreign currency accounts, which can be used abroad. Some banks have also launched special credit cards for international students. .

Basically, it can provide a wide range of currency choices for major study abroad countries and regions. Therefore, if you need to carry more foreign currency funds, you may consider depositing part of the foreign currency into a credit card. However, credit card applications generally take some time, so you should apply in advance.

Cross-border remittance---List of domestic bank handling fees

1. Bank of China:

Counter: Handling fee 1‰, minimum 50rmb, maximum 260rmb, Telecommunication fee is 80rmb. Online banking: 20% off the counter handling fee.

2. Industrial and Commercial Bank of China:

Counter: Handling fee 1‰, minimum 50rmb, maximum 260rmb, telecommunications fee 150rmb. Online banking: 20% off the counter handling fee, with a minimum handling fee of 16rmb and a maximum of 160rmb. ICBC Express: 20% off the counter handling fee.

3. China Merchants Bank:

Counter: Handling fee 1‰, minimum 100rmb, maximum 1000rmb, telecommunications fee 150rmb. Online banking: handling fee 1‰, minimum 100rmb, maximum 1000rmb, telecommunications fee 150rmb. Note: You need to open the professional version of online banking to conduct currency exchange and overseas remittances in online banking.

4. China Construction Bank:

Counter: Handling fee 1‰, minimum 20rmb, maximum 300rmb, telegraph fee 80rmb. Online banking: handling fee 1‰, minimum 20rmb, maximum 300rmb, telegraph fee 80rmb.