Mainland VISA/Master credit cards withdraw money from ATMs, which are charged according to international handling fees.

And you have to change the RMB in your account into US dollars and then into Hong Kong dollars for payment.

It is equivalent to peeling two layers of skin in addition to the handling fee.

Mainland credit card shopping should also convert RMB in your account into US dollars and then into Hong Kong dollars for payment, and there is also a credit card handling fee.

It is recommended that you use UnionPay card to swipe your card directly when shopping in Hong Kong (don't mention cash, otherwise it will be a handling fee. ), and settled according to the exchange rate of RMB against Hong Kong dollar on that day, without any handling fee.