there is no handling fee for swiping a card at a store, but 1% handling fee is charged for withdrawing money from a foreign bank, and an additional handling fee will be charged in 2 yuan if withdrawing money from ATMs in different banks.

For example, if you open a bank card in Guangzhou, you can withdraw 1,111 yuan from the ATM of Industrial and Commercial Bank of Beijing, and the handling fee deducted from your card = 2 yuan (additional handling fee for different banks)+11 yuan (handling fee for withdrawal from other places) = 12 yuan.