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Are there any fees for withdrawing cash from an ATM using a credit card?

Under normal circumstances, credit card cash withdrawals charge a cash handling fee of 1% of the cash withdrawal amount, starting from a minimum of 10 yuan. Starting from the day of cash withdrawal, interest will be charged at a rate of 50,000 per day, and interest will be calculated on a monthly compound interest basis. The fees of individual banks will vary.

However, a credit card can only withdraw 2,000 yuan in cash per day. Even if the credit card's cash withdrawal limit exceeds 10,000 yuan, you can only withdraw 2,000 yuan in cash per day. If you want to withdraw 10,000 yuan in cash, you can only withdraw it multiple times over several days. According to regulations of the Supervision Bureau, credit card overdraft withdrawals through the UnionPay network shall not exceed the equivalent value of RMB 2,000 per card per day. Withdrawal through overdraft through non-UnionPay network shall not exceed the equivalent value of US$1,000 per day and the equivalent value of US$5,000 per month. The actual amount that can be withdrawn will also be affected by the card limit and usage.

If you have other specific questions, it is recommended that you call the bank’s customer service staff and hope they can help you.