The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, with a minimum charge of USD 3 or 30 yuan RMB. There is no inter-bank handling fee for cash advance.

Cash borrowed in advance does not enjoy interest-free repayment. From the date of withdrawal to the date of settlement, interest will be charged at the daily rate of 0.5 ‰, and compound interest will be charged on a monthly basis. PS: The handling fee for cash advance by credit card does not generate interest.