Payment · common
中国のATM引き出し手数料はいくらですか？
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⚠️ SYMPTOM
中国のATMで人民元を引き出した際、母国の銀行から予想外の手数料（為替手数料またはATM手数料）を請求された。
🔍 MOST LIKELY CAUSE
中国のATM運営会社（Bank of China、ICBC）は、外国カードでの取引1回につき¥10～¥25を請求します。さらに母国の銀行が1～3%の為替マージンや定額ATM手数料を上乗せします。
✓ HOW TO FIX
為替手数料無料のデビットカード（Chase Sapphire、Schwab、Revolut、Starling、Wiseなど）を利用しましょう。独立系のATMは避け、銀行ロビー内のBank of ChinaやICBCの支店を利用してください。
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