1. Direct remittance: You can tell your Hong Kong friends the bank account number you opened in any commercial bank in Chinese mainland (China Bank or China CITIC Bank is recommended) (foreign exchange all-in-one account is the best, and RMB account is also acceptable), and then ask your Hong Kong friends to directly "wire" the relevant funds in Hong Kong dollars or US dollars to your domestic bank account through the Hong Kong bank (tell the Hong Kong bank the name, address and telephone number of the domestic bank and your domestic bank account). There is a limit to this practice: after your bank receives the money (usually three working days from the date of remittance), you can go to the bank and make up a purpose of the money at will (such as a gift from a friend in Hong Kong or repayment of your loan). ) Change the money into RMB and put it into your account. However, such remittance should not be too large every year, for example, it is best not to exceed the foreign exchange equivalent to 50 thousand dollars, otherwise the bank needs you to apply for the foreign exchange quota at the local foreign exchange administration.

Each remittance will probably generate about 200 Hong Kong dollars in bank and wire transfer communication fees.

2. Turn RMB into cash: You can ask your friends in Hong Kong to find foreign exchange shops (Hong Kong is everywhere) to change Hong Kong dollars into RMB (you can have an exchange certificate with the exchange rate written on it), and then ask them to deposit RMB cash in Shenzhen or any city in Chinese mainland at the bank counter or ATM (ATM that can accept cash deposits) of the local branch of your domestic bank, and deposit it with you according to the account you provided. It′s on the house.

You'd better open an account with China Bank (with the same name) and remit money. Then withdraw money from the domestic China Bank. If I use a domestic ID card, I wonder if there are any remittance restrictions. If Hong Kong people withdraw money in China, remember that there are restrictions.

There is another way I remember, that is, let your friend apply for a bank card at Hongkong and Shanghai Banking Corporation, and then you can keep the card and password well, and then you can withdraw money directly from the domestic HSBC ATM.