Gansu Bank's card can be used at any ATM machine in the country to withdraw money and transfer money without any fees, not a penny! No matter it is a big bank, a small bank or even a local bank, there are no handling fees! But the only troublesome thing is that you can't deposit money. If you can, you can only deposit money at Gansu Bank branches. You can also bind an Alipay account, but you can only withdraw money and cannot transfer money to it through Alipay.