You can't. Fund, in a broad sense, refers to a certain amount of funds set up for a certain purpose, mainly including trust and investment funds, provident funds, insurance funds, retirement funds, funds of various foundations and so on. Upon redemption, the funds will be returned to the bank card at the time of purchase and cannot be redeemed by themselves. I need to go to the counter to buy funds at the bank. I still need to go to the counter for this exchange, and I need my bank card to buy it.