Typical ATM fee: $2-5 per withdrawal, regardless of amount.
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Typically $2-5 in flat ATM fees per withdrawal in China, regardless of how much you take out. Foreign cards work at Bank of China and ICBC ATMs, though acceptance can be inconsistent — mobile payment apps dominate daily transactions.
Dynamic Currency Conversion (DCC) is when an ATM or card terminal offers to charge you in your home currency instead of the local one — it applies a worse exchange rate with a hidden markup. DCC prompts are occasional in China. Always choose to pay in the local currency.
Generally yes — since ATM fees in China are typically a flat amount per withdrawal, taking out a larger sum less often costs you less in total fees than several small withdrawals.
Possibly — many banks charge their own foreign transaction and/or out-of-network ATM fee in addition to whatever China's local ATM charges, so check your bank's fee schedule before you travel.
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