1. I have a Euro credit card from Bank of China. When shopping at Dubai Airport, can I swipe this card to use Euros directly? Is there any handling fee?

UnionPay cards contain Euros, and you can directly use the card to spend Euros when traveling abroad. The euro limit of a dual-currency credit card with euros and renminbi is not a separate limit, but converted into equivalent euros based on the renminbi limit. This euro cannot be used domestically. It can only be used when you swipe the card abroad. Use the euro limit At the same time, the RMB quota will also be reduced accordingly. If you use the UnionPay network to swipe your card overseas, the payment will still be RMB and the amount will be credited to the account. If you use the card to use the international organization network, the amount will be credited to Euros. When repaying, you will need to pay back Euros or use RMB to purchase foreign exchange for repayment. There are two types of bank cards that can be used in Europe:

1. UnionPay’s RMB debit card. With this card, you can withdraw cash in European euros (each UnionPay card’s daily cumulative overseas cash withdrawals must not exceed 10 , 000 RMB equivalent in foreign exchange), you can repay in RMB domestically. At present, nearly a thousand merchants in Europe can accept UnionPay cards for consumption. All merchants with a "UnionPay" logo can accept UnionPay cards. Some merchants may not have a "UnionPay" logo. Cardholders can take the initiative to present their UnionPay cards and ask Is the cashier available.

2. Dual-currency credit card (1) Dual-currency credit card (RMB/USD) usually has one of two marks: UnionPay and Visa/Mastercard. In Europe, you can withdraw euros or swipe cards to make purchases in euros. To make purchases with a RMB/USD dual-currency card, you need to convert US dollars into euros. After returning home, you need to repay in RMB, and then convert RMB into US dollars. (2) Dual-currency credit card (RMB/Euro): commonly known as Euro card. Currently, European cards include Bank of China’s Great Wall International Euro Card, ICBC Euro Dual Currency VISA and CITIC Euro Dual Currency VISA. Generally, there are one of two marks: UnionPay and Visa/Mastercard. In Europe, you can withdraw euros, or you can swipe your card to spend money in euros. You can use a dual-currency RMB/Euro card to make purchases and settle in euros directly. After returning home, you can repay in RMB and convert RMB into euros to repay.

2. Can foreign exchange be purchased with Euro loans?

Foreign exchange can be purchased with Euro loans. Using Euro or US dollar loans, the financing interest rate is lower than the overseas RMB borrowing interest rate. Taking Euro as an example, the loan interest rate is as low as 1. After the loan matures, the enterprise can purchase RMB into foreign currency to repay the loan by purchasing foreign exchange. The above-mentioned person in charge said that considering that the US dollar is currently in an appreciation channel, it is better for companies to directly borrow foreign currencies and choose the euro. The interest rate is excellent and the use of funds is more flexible. The person in charge said that domestic banks mainly grant loans to enterprises with one-year terms, while the loan terms of overseas banks are relatively flexible. In principle, the loan terms are 1-3 years. For enterprises with stable operating conditions, some overseas banks can provide one-year terms. You can apply for an extension service year by year before the loan expires, and there is no need to repay it every year. Chinese-funded enterprises can obtain loans from overseas banks, which sounds very high-end, but in fact the requirements for enterprises are not high. It is understood that, except for government financing platforms and real estate companies, all domestic companies can carry out cross-border financing within the limit of 1 times the net assets in the latest audited financial report.

3. Can Bank of China in Jiaxing exchange Euros and do I need to make an appointment?

Do you want to convert RMB to Euro or Euro to RMB?

If you are exchanging RMB for Euros and the amount is large, you must make an appointment with the Bank of China. It will take time for the bank to prepare foreign currency cash for you, because banks generally do not store large amounts of foreign currency cash.

If you want to exchange Euros for RMB, you can do it at any time during business hours without making an appointment. For large-amount exchanges, you need to provide proof of source, such as bringing it in from abroad, etc.

Remember to handle the above two businesses, both of which require your own ID card.

4. How to exchange euros for RMB through Bank of China Mobile Banking

You can exchange through the "AP" function of Bank of China Mobile Banking. Foreign exchange settlement refers to converting foreign currency into RMB, and foreign exchange purchase refers to Convert RMB into foreign currency.

The operation method is as follows:

1 Enter Bank of China Mobile Banking A

2 Find and click "Foreign Exchange Settlement and Purchase" on the homepage, enter the relevant page, click "Foreign Exchange Settlement", and enter according to the prompts If you want to convert the amount, click Convert Foreign Currency to RMB.

Mobile banking refers to a channel model in which banks use smartphones as a carrier to enable customers to use banking services on this terminal. With the advancement of communication and Internet technology, the business functions of mobile banking are constantly updated and improved.

Refers to the use of mobile phones and other mobile devices to connect customers with banks, handle relevant banking business or provide financial services to customers. Mobile banking is both a product and a channel. It is a brand-new business product that connects customers' mobile phones to banks through mobile communication networks to perform various financial services such as account inquiries and account transfers.

That is, banks use mobile phones as carriers and rely on mobile GS resources to operate bank accounts by sending short messages through mobile phones to realize mobile phone "financial wealth management", "electronic wallet" and other functions.

To put it simply, mobile banking is the abbreviation of using mobile phones to handle banking-related business. It is a new service method that combines the electronicization of money with mobile communication services.

All bank counter services can be moved to mobile banking. The functions of mobile banking can be divided into standard functions and standard functions such as remittance, payment, and temporary loss report.

Extended functions are fund management, commercial payment, online shopping and other functions developed on the basis of standard functions. The provision of expanded functions is independent of support. These expansion functions of small and medium-sized banks are generally weak, lagging far behind state-owned banks and national joint-stock commercial banks.

Domestic banks that have launched mobile banking services include: ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications and other large banks, national joint-stock commercial banks, some city commercial banks and rural commercial banks, as well as a handful of rural cooperative banks Banks, new rural credit cooperatives.

The mobile banking of regional banks is basically the mobile version of online banking. Mobile banking that is unique and relevant to China's rural finance includes cardless cash withdrawals, small loan finance for farmers, etc.