The best case would be Alipay 0% which would transfer CNY into PB so no exchange fee. But this option isn't available to most of you. Source: about 1 year ago
Alipay is a super app designed to offer a bouquet of services to bring convenience into your everyday life. Trusted by 450 million users, Alipay’s offerings span from allowing its users to make payments (send, receive, and spend money with ease), manage finances, choose a suitable insurance scheme, hail a cab or even order in from a favourite restaurant. Source: over 2 years ago
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