When a credit card withdraws money abroad, the credit balance can be refunded. Handling fee for credit balance return: refers to the handling fee of 1% for withdrawing the cash limit (non-overdraft limit) in my card, with the minimum of 10 yuan and the maximum in 200 yuan.

For RMB single-currency credit cards, you can only withdraw money from ATMs with UnionPay logo, and the bank will directly deduct the converted RMB from the account according to the exchange rate of the day and charge a certain handling fee.

Dual-currency or multi-currency credit cards can not only withdraw money from UnionPay ATMs, but also from corresponding ATMs such as Visa and Master Card.

Dual-currency or multi-currency credit cards often have two or more accounts, and the cash withdrawn will be deducted from the foreign currency account first. When the foreign currency account balance is insufficient, the RMB account balance will be used to purchase foreign exchange.

If you use UnionPay cards or credit cards for cross-border cash withdrawal, there will be a cash withdrawal fee, which is generally higher.

However, some small and medium-sized banks are exempt from overseas cash withdrawal fees for UnionPay cards 12 yuan. For example, Huaxia Bank implements the principle of no handling fee for the first cash withdrawal every day.

note:

The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.