Payment · common
중국에서 ATM 인출 비용은 얼마인가요?
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⚠️ SYMPTOM
중국 ATM에서 위안(RMB)을 인출했는데, 본국 은행에서 예상치 못한 해외 거래 수수료 또는 ATM 수수료가 부과되었습니다.
🔍 MOST LIKELY CAUSE
중국 ATM 운영사(Bank of China, ICBC)는 해외 카드 거래에 건당 ¥10–¥25를 부과합니다. 여기에 본국 은행의 1–3% 환전 마진과 정액 ATM 수수료가 추가됩니다.
✓ HOW TO FIX
해외 거래 수수료가 없는 체크카드를 사용하세요(Chase Sapphire, Schwab, Revolut, Starling, Wise). 독립 ATM은 피하고, 은행 로비 안에 있는 Bank of China 및 ICBC 지점을 이용하세요.
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