Is your Citibank handled at home or abroad? I'm afraid domestic processing can't be used for paypal cash withdrawal. We have foreign exchange control. Paypal generally uses foreign ordinary dollar accounts, and the withdrawal fee varies according to the amount. For China people, the cost is still relatively expensive. After all, similar Alipay in China is free.

In addition, even if the withdrawal is successful, the handling fee is 3%, which leads to high cost.

Citi's credit card charges an annual fee, that's for sure.