Ping An Credit Card can withdraw cash across banks. However, the charges are different in different situations: the local interbank fee is 2.5% of the transaction amount, the overseas interbank fee is 2.5% of the transaction amount, the overseas UnionPay fee is 3% of the transaction amount, the local peer fee is 2.5% of the transaction amount, and the foreign peer fee is 2.5% of the transaction amount.