There are euros in UnionPay cards, and you can directly consume euros by swiping cards abroad. The euro limit of dual-currency credit cards is not a separate limit, but is converted into equivalent euros according to the RMB limit. This kind of euro can't be used in China, but can only be used by credit card abroad. When the euro limit is used, the RMB limit will be reduced accordingly. If you swipe your card overseas and take the UnionPay network, you will still swipe RMB and it will be credited to your account. If you swipe your card through the network of international organizations, it will be credited to euros. You need to repay the euro or use RMB to purchase foreign exchange for repayment. There are two types of bank cards that can be used in Europe:

1. UnionPay RMB debit card. With this card, you can withdraw euro cash (the daily accumulative foreign exchange withdrawal of each UnionPay card shall not exceed the equivalent of 10000 RMB), and you can repay in RMB at home. At present, nearly a thousand merchants in Europe can accept UnionPay card consumption, and all merchants with "UnionPay" logo can accept UnionPay cards. Some merchants may not stick the "UnionPay" logo, and cardholders can take the initiative to show UnionPay cards and ask cashiers whether they can use them.

2. Dual-currency credit cards (1) Dual-currency credit cards (RMB/USD) are generally marked with UnionPay and Visa/ MasterCard MasterCard. You can take euros with you in Europe, and you can also use your credit card to spend in euros. Moreover, holding a dual-currency RMB/US dollar card requires converting US dollars into euros, and then converting RMB into US dollars after returning home. (2) Dual-currency credit card (RMB/Euro): commonly known as Euro card. At present, European cards include Great Wall International Euro Card of China Bank, Euro Dual-currency VISA of ICBC and CITIC Euro Dual-currency VISA. Generally, there are two signs: UnionPay and Visa/ MasterCard MasterCard. In Europe, you can bring euros, you can also use credit cards to spend in euros, and you can also use RMB/Euro dual-currency cards to settle directly in euros. After returning home, you can repay in RMB and convert it into euros.

2. Can I buy foreign exchange for euro loans?

Euro loans can be used to buy foreign exchange. If loans are made in euros or dollars, the financing interest rate is lower than that of overseas RMB loans. Take the euro as an example, its loan interest rate is as low as 1%. After the loan expires, the enterprise can buy RMB into foreign currency to repay the loan by purchasing foreign exchange. The above-mentioned person in charge said that considering that the US dollar is currently in the appreciation channel, it is better for enterprises to borrow foreign currency directly. The interest rate is excellent and the use of funds is more flexible. The person in charge said that domestic banks mainly provide one-year loans to enterprises, while overseas banks have relatively flexible loan terms. The loan term is 1-3 years in principle. For enterprises with stable operating conditions, some overseas banks can provide the service of 1 year loan extension year by year before it expires, and it is not necessary to return it every year. Chinese-funded enterprises can borrow from overseas banks, which sounds high, but in fact, the requirements for enterprises are not high. It is understood that all domestic enterprises except government financing platforms and real estate enterprises can carry out cross-border financing within the limit of net assets 1 times of the latest audited financial report.

3. Is it necessary for Jiaxing China Bank to make an appointment to exchange euros?

Do you change RMB into euros or euros into RMB?

If RMB is converted into Euro, and the amount is large, you have to make an appointment with the Bank of China. It takes time for the bank to prepare foreign currency cash for you, because a large amount of foreign currency cash will not be deposited in the bank.

If you change euros into RMB, you can do it at any time during business hours, without making an appointment. A certificate of origin is required for bulk exchange, such as bringing it in from abroad.

Remember to do the above two businesses, you need my ID card.

4. How can I convert Euro into RMB in China Bank Mobile Banking?

It can be exchanged through the function of China Bank Mobile Banking AP. Foreign exchange settlement refers to the conversion of foreign currency into RMB, and foreign exchange purchase refers to the conversion of RMB into foreign currency. The operation method is as follows:

1 Enter Bank of China Mobile Banking A.

Find and click "foreign exchange settlement and sale" on the home page, click "foreign exchange settlement" after entering the relevant page, enter the amount you want to convert according to the prompt, and click to convert foreign currency into RMB.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved.

Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, belonging to

Connecting customers' mobile phones with banks through mobile communication networks is a brand-new business product of various financial services such as account inquiry and transfer.

That is, banks use mobile phones as carriers and rely on mobile GS resources to operate bank accounts by sending short messages through mobile phones, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones.

Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a brand-new service model combining electronic money with mobile communication business.

Can be transferred from the bank's counter business to mobile banking. The functions of mobile banking can be divided into standard functions, remittance, payment and temporary loss reporting.

Extended functions are developed on the basis of standard functions, such as fund management, commercial payment, online shopping and so on. Provision and separation of extended functions. These expansion functions of small and medium-sized banks are generally weak, far behind state-owned banks and national joint-stock commercial banks.

Domestic banks have launched mobile banking services, including: ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications and other large banks, national joint-stock commercial banks, some city commercial banks and rural commercial banks, as well as a few rural cooperative banks and the new rural cooperative medical system.

The mobile banking of regional banks is basically the mobile banking of online banking. The distinctive mobile banking related to rural finance in China includes cash withdrawal with or without card, micro-loan finance for farmers, etc.