A single currency credit card refers to a credit card with only one currency settlement account. When the cardholder pays by swiping the card, only one currency transaction is supported. For example, RMB single-currency credit cards only have RMB settlement accounts and can only be settled in RMB.

Corresponding to single-currency credit cards are dual-currency credit cards and multi-currency credit cards, that is, credit cards with settlement accounts in two or more currencies. Then, when users use dual-currency credit cards or multi-currency credit cards for consumption, they can settle accounts in two or more currencies.

is your own money in the online merchant's bank savings card?

yes. The card of the online merchant bank is a savings card, because the savings card has no overdraft limit, so the balance in the card is the user's own money. Similarly, when using the online merchant bank savings card, users don't have to pay back. When the balance in the online merchant bank savings card is insufficient, users can't use the card. Therefore, users need to ensure that the balance of the bank savings card is sufficient and bind the card to the payment software.