Payment · common
在中国ATM取款要多少钱？
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⚠️ SYMPTOM
你在中国ATM取了人民币，但你的本国银行收取了意料之外的外汇手续费或ATM手续费。
🔍 MOST LIKELY CAUSE
中国ATM运营商（中国银行、工商银行）每笔外卡交易收取¥10–¥25。你的本国银行会额外加收1–3%的外汇差价，并可能收取一笔固定的ATM手续费。
✓ HOW TO FIX
使用免外汇手续费的借记卡（Chase Sapphire、Schwab、Revolut、Starling、Wise）。避免使用独立ATM，坚持使用银行大堂内的中国银行和工商银行网点。
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