After activating the cash advance function, you can go to an ATM to withdraw money, or you can transfer funds to a debit card in your name through online banking, mobile banking and other channels.

The domestic RMB cash advance fee is RMB 1 of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; the overseas cash advance fee is RMB 3 of the amount of each cash withdrawal, with a minimum charge of US$3 per transaction or RMB 30 (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is US$5 or RMB 30 per transaction). There is no inter-bank handling fee for cash advance.

Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 0.05%, and compound interest will be charged on a monthly basis. PS: The processing fee for credit card cash advances does not accrue interest.