VISA card depends on whether you have a dollar account or a euro account. If you have a euro account, there is no handling fee. You can just buy foreign exchange and return it to the euro after returning home.

However, the vast majority of VISA cards issued in China are in US dollar accounts, so a currency exchange fee of about 1.5% will be charged. The specific charge depends on the bank, such as 1.2% for cheap ones and 1.75% for expensive ones.

if merchants with unionpay logo still use unionpay card, there is no currency exchange fee and the exchange rate is good, Baidu can click "unionpay exchange rate in Hong Kong dollars" to reach the exchange rate inquiry page, and then select Euro to find the unionpay exchange rate of Euro on that day.