First, the misunderstanding of overseas purchase of foreign exchange
1. If you can spend in RMB, use RMB.
Many places support the use of US dollars or RMB, especially the support rate of RMB in Asia is very high. Everyone will find it convenient not to exchange money, but I don't know that such a convenient consumption method is based on your acceptance of a relatively high exchange rate.
2. Export only to US dollars
When many tourists leave the country, they change all their foreign exchange quotas into US dollars, no matter what currency they use. In fact, this practice is very irrational. Generally speaking, it is the most cost-effective to exchange the currency of the destination country, which can reduce the currency loss caused by multiple exchanges.
Second, the trap of overseas foreign exchange purchase
1. Being abroad, I know nothing about foreign currency. Choose a currency exchange point in the street, and it is very likely to change it into counterfeit money or use a similar low denomination currency as a high denomination currency.
2. The tour guide will take it to the exchange office, and the tour guide will help you find a reliable exchange office under all kinds of caring flags. Generally, such places are real money, and low face value will not be passed on as high face value, but the exchange rate loss is outrageous.
Three. Purchase process of overseas foreign currency exchange
1. If you want to exchange cash, you must go to the bank counter. You need to bring your valid ID card to the counter to fill out the application form for purchasing foreign exchange.
2. If the money is in the card, you can exchange it at the ATM first, and then go directly to the bank counter to withdraw it.
4. If you are in the following countries, how should you exchange foreign currency?
1. Thailand
In Thailand, ATMs or affiliated banks with UnionPay logo can use bank cards to directly withdraw Thai baht. Other ATMs without these two logos can also try. It should be noted that the deposit balance of ATM shows the amount of Thai baht calculated according to the foreign exchange quotation of China UnionPay at that time, not the balance of RMB.
2. Japan
In Japan, the local exchange fee is usually high, so it is best to exchange it at home. In Japan, it is marked? For business? All banks or post offices can exchange money. Before trading, confirm the exchange rate and whether there is a handling fee. Moreover, if the currencies with large denominations such as Japanese yen and Korean won are not used up, coins will not be exchanged when they are converted into RMB in China.
3. Southeast Asia
Generally speaking, RMB can be directly exchanged in Southeast Asia, but there may be more places to exchange dollars. In Southeast Asian countries, there are usually banks, hotels and change shops, and some tour guides also provide currency exchange. The exchange rate is different in different places.
4. Europe, Australia
RMB is not directly convertible in Europe and Australia. Why don't you change it into dollars and then go to the bank or foreign currency point to exchange it?
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