Visa. The streets are full of Visa cash machines. I don’t know the handling fee either. Never used it.

RMB can be directly exchanged. I forgot what name the bank paid. But it's a green one.

MS is a pretty big bank. His branches are all over the streets. The exchange rate is about 1 to 4.46. I accompanied my classmates to change. It is best to exchange for something that is enough for the first month in China. However, the domestic bank exchange rate is relatively low, 1 to 4.3. Very inappropriate. Unless you know someone. Exchange in private hands. But I'm afraid of getting a fake one. In private hands it's about 1:4.5. If you change it in Irkutsk. Be careful not to damage the RMB. Get dirty (notes and stuff). Remember not to have the seal of the Bank of China on the US dollars. I don’t know why domestic banks stamp US dollars. The bank here will not exchange the stamped ones. If the money is damaged, they won't be replaced here. There is no China UnionPay here. This is Russia. Depositing money in Russian banks and withdrawing money is super troublesome. And there are handling fees. And it's still very backward. If you want a card, it must be customized. About two weeks. If you want to fold it, it will collapse even more. There are no brushed entries. A few tattered pieces of paper, each with a small amount of paper. To withdraw money, you need to identify the bank where the account is opened and how many signatures are required. Oh my god. . . . . . . Above, personal experience. I am currently studying in Irkutsk. If you have any questions, please leave me a message. It’s not easy to be away from home.