Withdrawing and depositing money has become increasingly frequent, with frozen cards and limits becoming more common; the environment has really changed.

Looking back to 2018, hundreds of thousands or even millions could freely come and go, as long as the source of funds was clear, you basically wouldn't be stopped.

By 2022, banks began to strictly control transaction limits, and WeChat and Alipay followed suit by restricting transfer amounts, making withdrawals and deposits visibly tighter.

Now it's even more exaggerated - even if your funds are completely compliant, transferring a slightly larger amount may attract the bank's risk control, requiring you to explain the situation at the counter.

WeChat and Alipay can no longer directly trade virtual currencies, unless it’s between accounts with long-term interactions and a foundation of trust; transferring between strangers is extremely troublesome, often requiring breaking it down into multiple small transactions.

Currently, the relatively safe withdrawal path still leads to Hong Kong. However, be aware: cash entry has limits, and bringing in too much can also be inspected.

Some people handle large withdrawals by registering overseas companies, such as establishing a business entity + exchange company in Singapore, paying taxes legally and withdrawing compliantly - this is suitable for VCs or large clients, and ordinary users generally can't utilize it.

If you have stable and reliable OTC channels, especially between friends with long-term cooperation and trust, you can still transfer using WeChat or Alipay, but there are still daily limits. I usually recommend transferring to Yu'ebao or WeChat Wallet for further operations, adding a bit of buffer.

In my own practice, the most practical method is still: breaking it down into smaller amounts, withdrawing small amounts daily.

Not pursuing a one-step solution and not easily using bank cards - many banks' risk control is so sensitive that transferring 20,000 could still lead to a freeze, even if you have no issues at all.

Different banks and regions have different policies, sometimes you are just making a normal transfer, but the other party's card gets frozen, and when it gets traced back to you, you have to cooperate to unfreeze it, which is very troublesome.

Ultimately, when it comes to withdrawing and depositing money now, it's not about the amount, but about patience and method. Don't shy away from trouble; safety comes first.

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