1. In Thailand, no matter what type of bank (credit card) card is used, there will be a handling fee, and Thailand will charge a handling fee of six thousandths; As long as it is a UnionPay card starting with 62, stores with the UnionPay logo in Thailand can spend it. There is no handling fee. UnionPay will automatically convert the amount of Thai baht into RMB, and then record it. After returning to China, you can directly exchange it for RMB. Many ATMs in Thailand are also labeled with UnionPay logo (such as Green Farmers Bank of Thailand, which also supports Chinese display). You can also use UnionPay cards to withdraw Thai baht directly from them, which requires a handling fee. Calculated according to 3% of the withdrawal amount, it is still RMB. Many stores in Thailand support UnionPay cards, especially in Bangkok, Phuket and other places, which are basically universal (if you go to Chiang Mai, Hua Hin and other relatively remote places for free travel, UnionPay will have fewer opportunities to swipe your card).

2. China will also charge a handling fee of 0.5% (the fees here in China depend on the regulations of various banks, and some domestic banks do not charge handling fees, such as Huaxia Bank).