Can all major banks in China exchange US dollars? If there is no credit card abroad, can I only use China Merchants Bank Card to withdraw money?

All major banks can exchange their ID cards for US dollars, and each person can exchange up to US$ 20,000 or equivalent in other foreign currencies every year.

There is no credit card when going abroad, but a debit card with the UnionPay logo can be used, because many countries now have card readers and ATM machines that support UnionPay cards, so you can swipe your card and withdraw local currency with the correct withdrawal password. After the transaction is completed, UnionPay will deduct money from the debit card after converting it into RMB at the exchange rate of the day. UnionPay official website has a list of merchants/ATMs supporting UnionPay in various countries:.

-But it depends on the country you go to. The network coverage of UnionPay is not very dense. You will often meet non-UnionPay merchants or ATMs. It will be more convenient to have a dual-currency credit card.

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