Many banks, such as Huaxia Bank and Guangfa Bank, realize free cash withdrawal of credit card overpayments, and there is no handling fee regardless of whether it is in different places or inter-bank, but there are restrictions on the amount or times. For example, the total amount of overpayment per credit card of Huaxia Bank does not exceed 20,000 yuan per day, and it can only be withdrawn the next day. Users of China Guangfa Bank can withdraw cash 15 times a day at the ATM, with a cumulative withdrawal amount of 20,000 yuan per day. If it exceeds the limit, you need to take the original ID card and card to the branch of Guangfa Bank for withdrawal.

Another kind of banks, such as Industrial and Commercial Bank of China, China Construction Bank and Bank of Communications, are partially free, and there is no need to pay handling fees for the overcharged part in local banks. If it is off-site or cross-bank, a certain fee will be charged. For example, ICBC charges 1% for cash withdrawals in different places, with the lowest 2 yuan and the highest 100 yuan, and each transaction is charged across banks in 2 yuan or 4 yuan; CCB collects 0.5% of the cash withdrawal amount, with the lowest in 2 yuan and the highest in 50 yuan.

0.5% of the transaction amount is charged for cash withdrawal at the counter or self-service equipment of Bank of Communications in different places, with a minimum of 10 yuan and a maximum of 500 yuan. Some credit card types of Agricultural Bank of China and Bank of China are exempt from handling fees when local banks collect overpayments. Some joint-stock banks are different. It is understood that Ping An Bank and China Merchants Bank are basically the same, charging 0.5% of the amount, with the lowest 5 yuan and the highest 50 yuan; CITIC Bank calculates the cash withdrawal amount at 2%, with the minimum standard of 20 yuan.