if it is a CMB credit card, the handling fee for overseas cash advance is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 3 yuan RMB (American Express Card-Centurion Black Gold Card, American Express Card-Centurion Platinum Card is USD 5 or 3 yuan RMB). There is no inter-bank handling fee for cash advance.

if it's a smart card, all accounts that use the smart card to withdraw money from overseas ATMs need to be charged a normal handling fee, and there is no discount.

① When withdrawing money through UnionPay ATM, the minimum handling fee in 1 yuan RMB is 5‰ according to the transaction amount (in Japan, the United States or some other countries, the local accepting institution may charge the cardholder an additional handling fee, please consult the bank to which the machine belongs or pay attention to the prompt when withdrawing money from ATM).

② withdrawal through ATM of international organization route (only for cards with VISA/MasterCard logo) is subject to a handling fee of 1% of the transaction amount, with a minimum of $2 and a maximum of $1;

③ If you use an international debit card (with the VISA/MasterCard logo) to swipe your pos card or withdraw cash at an ATM in a non-US dollar area, you will be charged a foreign currency exchange fee (about 1.5% of the transaction amount according to the relevant regulations of international organizations) when you take the route of international organizations.

Tips

When the international debit card is used overseas, if the equipment supports UnionPay and overseas routes at the same time, the equipment will automatically select the route.