Hong Kong bank cards can withdraw the amount equivalent to HK$ 20,000 every day at domestic ATMs, but the maximum withdrawal amount at domestic UnionPay machines is RMB 5,000, which means that you can withdraw it four times a day, and the handling fee for a single withdrawal is HK$ 65,438 +05-20. The exchange rate is calculated according to the exchange rate of the bank where you withdraw cash, and the difference between the general exchange rate and the real-time exchange rate will not be too big. If it's wire transfer, it's 100-200 Hong Kong dollars, so there are usually more wire transfers.