Once the renewal is sorted out, I’ll be in Hong Kong. On the way, make sure you set up Ant Bank properly. In the future, for withdrawals to Mainland China, just use Ant Bank—it’s much cheaper than ZhongAn. ZhongAn often charges a few hundred in fees for anything. Ant Bank charges only 25 CNY no matter how many times you transfer back to Mainland China, and the per-transaction limit is 50,000.

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