RMB can be directly exchanged. I forgot the name of the bank. But this is a green brand.
Madam, this is a big bank. His branches are all over the street. The exchange rate is about 1 4.46. I accompanied my classmates to change it. You'd better change something in China that will be enough for the first month. But the domestic bank exchange rate is relatively low, 1 to 4.3. Very inappropriate. Unless you know someone. In private hands. But I'm afraid to change it to a fake one. Private hands are about 1 to 4.5. If you change in Irkutsk. Don't break RMB. Dirt (notes or something). Remember that the US dollar should not bear the seal of the Bank of China. I don't know why domestic banks stamp US dollars. And the bank stamped here is not convertible. If the money is broken, it is not exchanged here. There is no China UnionPay here. This is Russia. Russian banks are super troublesome to save money and withdraw money. And there is a handling fee. And still very backward. If you want a card, you must order it. About two weeks. Fold if you want, and collapse if you want. There are no brush entries. A few pieces of broken paper, a small sum of money an inch, which bank to set, how many people to sign. Oh, my God. . . . . . . Above, experience for yourself. I am studying in Irkutsk now. You can leave me a message if you have anything. It's not easy to go out.