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.

Extended information:

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

1. Bank of China:

Counter: Procedure The fee is 1‰, the minimum is 50rmb, the maximum is 260rmb, and the telecommunications 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.

Note: When using online banking to make overseas remittances, the handling fee is converted into foreign currency and deducted, so you can exchange an extra part as handling fee when exchanging currency.

5. Bank of Communications:

Counter: Handling fee 0.6~1‰, minimum 20~50rmb, maximum 250rmb, telecommunications fee 80~150 yuan. Online banking:

Ordinary remittance: handling fee 0.5‰, minimum 20~50rmb, maximum 250rmb, no telegraph fee.

Fast remittance: handling fee is 0.6~1‰, minimum 20~50rmb, maximum 250rmb, telecommunications fee is halved. ?

Note 1: You must open an online bank with U-shield to make cross-border remittances.

Note 2: The handling fee has a floating range depending on the remittance currency. For specific fee standards, please consult the bank counter.

Baidu Encyclopedia-Cross-border Remittance