However, all banks have to pay a handling fee of 1%-5% (depending on the charges of banks and cards) to withdraw cash from ATMs, so you will incur a handling fee of at least 30- 150 yuan when you withdraw 3,000 yuan, which is really not cost-effective. I suggest you cash out through consumption or think of other ways.

Because China Merchants Bank is a public card, I will give you an example with the charging standard of China Merchants Bank. It's written in detail.

China Merchants Credit Card overpays the recovery fee:

Unit card:

Remittance to our account: free of charge.

Remittance to non-bank accounts: the relevant rates shall be handled in accordance with the latest regulations of our bank on remittance to public accounts.

Personal card:

Ordinary card/gold card: 0.5% of the remittance amount, and the minimum charge is RMB 5 yuan, USD 1 yuan.

Platinum card: 0.5% of the remittance amount, with the minimum of RMB 5 yuan/transaction or USD 1 yuan/transaction, not exceeding RMB 50 yuan and USD 10 yuan.

The handling fee for cash advance is 3% of the cash advance transaction amount, and the minimum charge is RMB 30 yuan/transaction and US dollar 3 yuan/transaction (subject to the current demand, whether in the same city or in different places).