There is no extra fee for withdrawing cash. Local counterparts do not charge cash withdrawal fees. You still have to pay interest on cash withdrawals, which is 0.5% per day, and compound interest is calculated on a monthly basis. \x0d\ \x0d\ Just apply for a dual-currency credit card, MasterCard or VISA. \x0d\ \x0d\The overdraft limit is determined by ICBC based on a comprehensive assessment of your job nature, income status, and financial resources.