What exchange rate is used for domestic settlement when using a bank card to withdraw foreign currency from an overseas ATM (banknote buying, banknote selling, foreign exchange buying, foreign exchang

1. Cash withdrawals from Visa card ATMs are based on Visa’s exchange rate. If you are withdrawing non-USD currency, it will be converted into US dollars according to Visa’s published exchange rate. Because the credit card you mentioned is dual-currency RMB and USD. Of course, this card is free of foreign exchange conversion fees.

2. The bank will convert the USD selling price into RMB based on the bank's selling price in US dollars at a certain time on the "billing date" of the credit card (usually in the evening). Note: The selling price of U.S. dollars from banks is the same for exchange and banknotes, but the buying price is different.

3. The credit card you hold claims to be free of cash withdrawal fees, but you should be aware that different countries may charge surcharges. Also note that credit card cash withdrawals will charge an interest rate of 0.05% per day.

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