The credit card withdrawal of CITIC Bank is only divided into domestic and overseas, and some of them are withdrawn from other places: 2% of the cash withdrawal amount is collected in China, and the minimum charge is RMB, each 20 yuan; Overseas, it is charged at 3% of the cash withdrawal amount, and the minimum charge is 3 yuan dollars or HKD 30 yuan or Euro 3 yuan.

Moreover, CITIC Bank does not charge handling fees for cross-bank counter withdrawals or cross-bank ATM withdrawals, which is indeed more favorable than other banks.

As for the recovery of the overcharged funds of CITIC Bank, it is different from the existing withdrawal, depending on the specific withdrawal amount and method. Credit card holders of CITIC Bank can't get back the overpaid part for more than 5 times per month, and the single withdrawal limit (equivalent to RMB) is 500,000 yuan. There is no handling fee for transferring the overpaid part to the bank's debit card (account), and the following charging standards are adopted for transferring the overpaid part to other banks' debit cards (accounts):

1. Online banking channel is free of charge;

2. The fees charged for overcharged funds from other channels are as follows:

(1) The transfer amount (converted into RMB) is less than 1 ten thousand yuan (inclusive), and each charge is RMB 5.5 yuan;

(2) Transfer amount (equivalent to RMB) 1, 000- 1, 000 yuan (inclusive), and each charge 1.5 yuan;

(3) The transfer amount (converted into RMB) exceeds RMB 654.38+10,000, and the charge is 15.5 yuan.