Ping An Credit Card will charge handling fees and interest for cash withdrawals. It does not distinguish between our bank and other banks. The charging standards are the same; 1. Handling fee: ① Domestic cash withdrawal handling fee: 2.5% of the cash withdrawal amount, minimum RMB 25 per transaction; ② Overseas cash withdrawal fee: depends on the network used by the customer. If using the UnionPay network, the cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum of RMB 40 per transaction; if using other networks such as MasterCard , then it will be charged at 3% of the cash withdrawal amount, with a minimum of US$5 per transaction; 2. Interest: does not enjoy the interest-free period; starting from the date of the cash withdrawal transaction, interest will be calculated at a daily interest rate of 5/10,000 until the repayment date. Compound interest is earned monthly.