Payment · common
Berapa biaya penarikan ATM di China?
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⚠️ SYMPTOM
Anda menarik RMB dari ATM di China dan bank di negara asal mengenakan biaya transaksi luar negeri atau biaya ATM yang tidak terduga.
🔍 MOST LIKELY CAUSE
Operator ATM di China (Bank of China, ICBC) mengenakan biaya ¥10–¥25 per transaksi kartu luar negeri. Bank di negara asal menambahkan margin FX 1–3% dan kemungkinan biaya ATM tetap.
✓ HOW TO FIX
Gunakan kartu debit tanpa biaya transaksi luar negeri (Chase Sapphire, Schwab, Revolut, Starling, Wise). Hindari ATM independen; gunakan cabang Bank of China dan ICBC di dalam lobi bank.
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