U.S. Departure · Complete Plan for Getting New Taiwan Dollars After Landing at Taoyuan (2026 Verified)

File note: The original draft has been verified item by item. Any errors are marked with ⚠️ Correction, and correct items are marked with ✅ Confirmed. Key facts include 2025–2026 source links. Applies to: a U.S. family (5 people) entering Taiwan via Taoyuan International Airport (TPE) in September 2026 for a 3-day Taipei trip. Related: for internet/eSIM, see esim.md; for pre-trip notes, see Taipei-3Day-Executable-Plan.md.

1. Priority Overview (Best → Worst)

Priority	Method	Why Recommended
✅ 1 (Best)	U.S. no-fee debit card (such as Schwab) + Bank of Taiwan 台湾银行 ATM	Exchange rate closest to the mid-market rate, with the lowest fees
✅ 2 (Backup)	Exchange a small amount of starter cash at the Bank of Taiwan 台湾银行 counter at Taoyuan Airport	Rate is close to city-bank rates, with about an NT$100（≈US$3） posted counter fee per transaction
❌ 3 (Avoid)	Pre-order TWD in the U.S.	4–8% worse than the mid-market rate; very poor value
❌ 4 (Avoid)	Private airport exchange kiosks / hotel front desk	Biggest spread, up to 8%+

💳 Fidelity Debit Card + How Much Cash to Bring into Taiwan

Verified conclusion (2026-08)

Works in Taiwan: use any ATM showing Visa / Plus / Star. Priority banks: BOT at Taoyuan arrivals, CTBC (including many 7-Eleven ATMs), Taishin, E.SUN, Cathay United, Chunghwa Post. Sources: Fidelity debit card, Visa ATM Locator.
International ATM surcharge reimbursement: yes for Fidelity CMA, automatic, credited the same day. Fidelity says all ATM fees charged by other institutions are reimbursed when using the Fidelity Debit Card at ATMs displaying Visa/Plus/Star. Sources: Fidelity CMA, Fidelity debit card FAQ.
CMA vs brokerage: CMA qualifies; regular brokerage qualifies only if coded Premium / Active Trader VIP / Private Client Group / Wealth Management / former Youth Account etc. This is account/customer coding, not the core position.
FX cost: current Fidelity Debit Card Agreement says No Foreign Transaction Fees; Visa converts to USD. Net cost ≈ Visa exchange rate/rounding + 0% Fidelity FTF + local ATM surcharge if any, reimbursed for eligible CMA. Always reject DCC and choose TWD / Charge in TWD. Source: Fidelity Debit Card Agreement.
PIN/limit: PIN required. Agreement Section 4.1 generally lists Core Brokerage ATM limit at $1,000 or 6 transactions per Banking Day; Higher Net Worth at $1,500 or 8. Verify the personal limit at Fidelitydebitcard.com or card-back phone number. Current public pages do not require a travel notice; enable alerts and bring backup cards.

Final cash plan

Bring US$500 total backup cash for five people, keeping it for ATM/card failure and later Mainland China legs.
Withdraw NT$15,000 on arrival at Taoyuan via Fidelity CMA debit card; if limited, take NT$10,000–12,000 first and top up later.
Primary: Fidelity CMA debit card + Taiwan ATM. Backup: Bank of Taiwan / Mega Bank counter at Taoyuan, exchange only US$200–300, budgeting about NT$100 per counter transaction. Avoid: pre-buying TWD in the U.S.
Declaration thresholds: U.S. family/group cash over US$10,000 must be reported to CBP (CBP); Taiwan declaration thresholds include foreign currency over US$10,000 and TWD over NT$100,000.

2. ATM Withdrawal Details (Best Option)

2.1 Airport ATM Types and Locations

Both Taoyuan T1 and T2 arrivals levels have 24-hour ATMs: Bank of Taiwan 台湾银行 (arrival hall · 24h · usually no local operator fee for foreign cards), 兆丰 Mega Bank (T2 first floor), and CTBC (multiple locations). Local bank ATMs in Taiwan usually do not charge an extra operator fee for foreign cards (unlike in the U.S.).

⚠️ Correction A: “国泰世华 CTBC” refers to two different banks

The draft treated “国泰世华 CTBC” as one bank — incorrect: 国泰世华 Cathay United Bank (CUB, green logo, common in 7-Eleven) and CTBC Bank (red/green logo) are two separate banks. Both have ATMs at Taoyuan Airport, and both usually do not charge an extra operator fee for foreign cards.

2.2 Fees and Limits

Item	Amount
Local ATM operator fee (BOT/CTBC/国泰世华 Cathay United)	NT$0（≈US$0）
Foreign ATM withdrawal fee charged by your own U.S. card issuer	Depends on the card (see Section 3)
Per-withdrawal limit (BOT)	NT$20,000（≈US$632） (daily maximum NT$100,000（≈US$3159）)

2.3 ⚠️ DCC (Dynamic Currency Conversion) Warning

If the ATM asks “Settle in USD? / Convert to USD?” → always choose “Settle in TWD / Charge in TWD” and reject DCC (Dynamic Currency Conversion). Choosing USD is usually 3–7% worse, wasting money for no reason.

3. Comparison of Common U.S. Cards (2026 Verified)

Card	Foreign transaction fee	International ATM withdrawal fee (charged by issuer)	ATM operator fee reimbursement	Rating
Charles Schwab High Yield Investor Checking debit card	0%	$0	✅ Unlimited worldwide reimbursement	⭐⭐⭐⭐⭐ Best
Fidelity CMA debit card (Visa/Plus/Star)	0%	$0	✅ Unlimited worldwide reimbursement (same-day credit)	⭐⭐⭐⭐⭐ Tied with Schwab for best
Wise debit card	0% (mid-market rate)	€250 free per month (new rule starting 2026-05), then 2.69% beyond that	❌	⭐⭐⭐⭐
Revolut debit card	0% (mid-market rate)	Standard plan: £200/month free (5 withdrawals), then 2%; premium plans have higher limits	❌	⭐⭐⭐⭐
Chase regular checking debit card	3%	$5/transaction	❌	⭐⭐ Few large withdrawals
Bank of America regular debit card	3%	$5/transaction (the $5 may be waived at partner banks, but the 3% still applies)	❌	⭐⭐ Few large withdrawals

Illustrative cost for BoA/Chase withdrawing NT$20,000 (≈US$620): $5 + 3%×$620 ≈ $23.6 (about 3.8%) → withdraw enough in one transaction; do not split into many small withdrawals.

4. Bank Counters at Taiwan Airports (Backup Exchange Option)

Location: T1 and T2 arrival halls, 24h (both BOT and 兆丰 Mega are available).
Exchange rate: Close to city-bank rates and far better than private kiosks in European/U.S. airports.
Fee: about NT$100（≈US$3） per transaction, subject to the posted counter fee.
Recommendation: On arrival day, exchange only starter cash of NT$5,000–8,000（≈US$158–253） (about US$155–250), and use ATMs for the rest. Use the official Bank of Taiwan 台湾银行 window; do not use private small kiosks. Bring your passport.

5. Cash Need Estimate (5 People · 3 Days)

Scenario	Estimate	Notes
Night markets (3 nights × 5 people × NT$400–600（≈US$13–19）/person)	NT$6,000–9,000（≈US$190–284）	Snacks/drinks/small games
Traditional markets / street breakfast / snacks	NT$1,500–2,500（≈US$47–79）	Total for 5 people
Occasional cash at traditional small shops	NT$1,000–2,000（≈US$32–63）
Emergency reserve	NT$1,500–2,000（≈US$47–63）
Total recommendation	NT$10,000–15,500 (≈US$310–480)	Consistent with the itinerary budget of NT$12,000–16,000（≈US$379–505）

The draft’s NT$12,000–18,000（≈US$379–569） is slightly high; NT$12,000–16,000（≈US$379–505） is a reasonable upper limit. The ATM per-withdrawal limit is NT$20,000（≈US$632）, so one withdrawal can cover the trip.

6. Payment Mix Strategy

6.1 Where No-Foreign-Transaction-Fee Credit Cards (Chase Sapphire / Amex) Can Be Used

Convenience stores (7-11/FamilyMart/Hi-Life) · tap Visa/Mastercard directly at MRT gates · department stores/chain restaurants/large supermarkets/some attractions.

⚠️ Correction B (Key): EasyCard cannot be topped up by credit card — cash only

The draft said “can top up by credit card” — that is incorrect and must be corrected. 2026 reality:

Top-up method	Works?	Explanation
Cash (MRT top-up machines / convenience stores)	✅ Only reliable method	7-11/FamilyMart/Hi-Life/OK all support cash top-up
Foreign credit card / international debit card (MRT machines)	❌ Not supported	Machines do not accept international cards for top-up
Taiwan local bank auto-debit / EasyWallet App	△ Taiwan residents only	Requires a Taiwan bank account/phone number; not suitable for tourists
Tap Visa/Mastercard directly for MRT rides	✅ (gate entry/exit only)	This is direct card charging, not top-up; does not apply to buses/YouBike/convenience stores

Recommendation: Buy an EasyCard at the airport or MRT station (starting at NT$100（≈US$3）), then use cash to top it up at convenience stores/top-up machines. EasyCard benefits = 20% off MRT fares and no repeated ticket-line waiting.

7. Do-Not-Do List

Do Not	Reason
❌ Pre-order TWD in the U.S.	Exchange rate is 4–8% worse; U.S. banks generally do not have TWD cash on hand
❌ Private airport exchange kiosks	Spread is 6–10%
❌ Credit card cash advance	Interest starts immediately (about 24–30% APR) + fees
❌ Choose “settle in USD” DCC at an ATM	Lose 3–7%
❌ Carry a large amount of USD cash	Currency exchange is cumbersome, and direct spending is almost nowhere accepted
❌ Exchange money at the hotel front desk	Worst exchange rate

8. Concrete Action Plan

Plan A — If You Have a Schwab or Wise/Revolut Card (Recommended)

Use it immediately after landing: 1–2 people use a Schwab debit card at a BOT ATM to withdraw NT$15,000（≈US$474） (per-withdrawal limit NT$20,000（≈US$632）), choose “settle in TWD,” and reject DCC.
Schwab users receive full ATM fee reimbursement at month-end, so no counter exchange is needed.
Use Chase Sapphire / Amex (0% foreign currency fee) for larger purchases.
Wise users note: monthly free limit is €250 (about NT$8,700（≈US$275）), close to the limit in one withdrawal; it is safer to also bring a Schwab card.

Plan B — If You Only Have Regular BoA / Chase Debit Cards

Arrival day: first exchange NT$6,000（≈US$190） starter cash at the BOT counter (about NT$100（≈US$3） posted counter fee).
Day 2: make one ATM withdrawal of NT$20,000（≈US$632） at Bank of Taiwan 台湾银行/CTBC (one $5 + 3% ≈ $23 fee).
Avoid frequent small withdrawals (fixed $5 each time; the more often you withdraw, the more you lose).

9. Suggested Banknote Denominations

Denomination	Recommendation	Reason
NT$100（≈US$3）	✅ Bring more	Most useful at night markets/snack stalls; easy to make change
NT$500（≈US$16）	✅ Commonly useful	Good for small single purchases
NT$1,000（≈US$32）	⚠️ Small amount only	Night markets/small stalls often have “no change” and may refuse large bills

ATMs usually dispense NT$1,000（≈US$32） notes. After withdrawing, first buy something at a convenience store to break them into smaller bills.

10. Declarations and Regulations

Leaving the U.S. (CBP): carrying > US$10,000 in cash/equivalent monetary instruments must be declared (FinCEN 105); failure to declare may result in seizure.
Entering Taiwan: foreign currency > US$10,000 must be declared; New Taiwan dollars > NT$100,000（≈US$3159） must be declared (limit NT$100,000（≈US$3159）); RMB limit is RMB 20,000.
For this trip, 5 people carrying NT$12,000–16,000（≈US$379–505） or equivalent USD (about US$400–500) is far below all thresholds, so no declaration is needed. ✅

11. Correction Summary

#	Original draft text	Conclusion	Correction note
⚠️ 1	“EasyCard can be topped up by credit card”	❌ Incorrect	EasyCard top-up is cash only; international credit cards cannot be used to top up EasyCard at MRT machines/convenience stores; foreign cards can be tapped directly for MRT rides, but that is not top-up
⚠️ 2	“国泰世华 CTBC” is the same bank	❌ Incorrect	国泰世华 Cathay United and CTBC are two separate banks, and both have ATMs at the airport
✅ 3	Bank of Taiwan 台湾银行 ATM does not charge an operator fee	Correct	BOT/CTBC/国泰世华 Cathay United usually do not charge an extra fee for foreign cards
✅ 4	Counter fee budgeted at about NT$100（≈US$3）/transaction	Correct	Subject to posted counter policy; budget conservatively at about NT$100/transaction
✅ 5	Schwab / Fidelity CMA both 0% + full ATM reimbursement	Correct (2026)	Both 0% FX + unlimited worldwide ATM reimbursement; Fidelity same-day, Schwab month-end (Source: fidelity.com/spend-save/faqs)
⚠️ 6	Wise monthly free limit	Partially updated	Starting 2026-05, €250/month; follow what the app shows
✅ 7	BoA/Chase 3% + $5/transaction	Correct (2026)
✅ 8	Per-withdrawal limit NT$20,000（≈US$632）	Correct	Daily maximum NT$100,000（≈US$3159）
✅ 9	> US$10,000 must be declared	Correct	Applies both when departing the U.S. and entering Taiwan
✅ 10	NT$12,000–16,000（≈US$379–505） budget	Reasonable	Actual night-market need is about NT$7,500–9,000（≈US$237–284）

12. Quick Reference Card (Carry With You)

📍 Money withdrawal order after landing at Taoyuan
1. Clear customs → Bank of Taiwan 台湾银行 BOT ATM → withdraw NT$15,000（≈US$474） → choose “TWD” → reject DCC
2. If you have a Schwab card: ATM fees are fully reimbursed at month-end, so withdraw with confidence
3. If you only have BoA/Chase: first exchange NT$6,000（≈US$190） at the counter (about NT$100（≈US$3） posted counter fee), then later withdraw NT$20,000（≈US$632） in one ATM transaction
4. Buy EasyCard: starting at NT$100（≈US$3）, top up with [cash] (7-11/FamilyMart/top-up machine)
💳 Card: Chase Sapphire / Amex (0% foreign currency fee) → convenience stores/MRT/department stores/restaurants
💵 Cash: night markets / traditional snacks / street stalls
🚫 Never choose ATM “settle in USD” (DCC)

Sources are listed as inline links in each section; verified through 2026-08. Exchange rates/fees/regulations are subject to official and real-time information.

美国出发 · 桃园落地换台币完整方案（2026 核验）

文件说明： 已对原始草稿逐条核实，凡有错误均以 ⚠️ 修正 标注，凡正确均以 ✅ 确认，关键事实附 2025–2026 来源链接。适用：美国家庭（5人）2026年9月经桃园国际机场（TPE）入境、台北游 3 天。相关：上网/eSIM 见 esim.md；行前须知见 Taipei-3Day-Executable-Plan.md。

一、优先级总览（最优→最差）

优先级	方式	推荐理由
✅ 1（最优）	美国免手续费借记卡（如 Schwab）+ 台湾银行 ATM	汇率最接近市场中间价，手续费最低
✅ 2（备用）	桃园机场台湾银行（Bank of Taiwan）柜台兑换少量启动资金	汇率接近市区，每笔约 NT$100（≈US$3，以柜台公告为准）手续费
❌ 3（避免）	在美国国内预购台币	较市场中间价差 4–8%，极不划算
❌ 4（避免）	机场私营兑换亭 / 酒店前台	差价最大，可达 8%+

💳 Fidelity 借記卡 + 帶多少現金進台灣

核验结论（2026-08）

能用：找显示 Visa / Plus / Star 的 ATM；优先 BOT 桃园到达层、中国信託 CTBC（含很多 7-Eleven ATM）、台新、玉山、国泰世华、邮局。来源：Fidelity debit card、Visa ATM Locator。
国际 ATM surcharge 报销：Fidelity CMA 符合，自动报销，same-day credit。Fidelity 官方写明在显示 Visa/Plus/Star 的 ATM 使用 Fidelity Debit Card，其他机构收的 all ATM fees 会自动 reimbursed。来源：Fidelity CMA、Fidelity debit card FAQ。
CMA vs brokerage：CMA 符合；普通 brokerage 需被 coded 为 Premium / Active Trader VIP / Private Client Group / Wealth Management / former Youth Account 等。关键是账户/客户 coding，不是 SPAXX/FDIC sweep 等 core position。
FX 成本：现行 Fidelity Debit Card Agreement 写明 No Foreign Transaction Fees；由 Visa 换算成 USD。净成本≈Visa 汇率/四舍五入 + Fidelity 0% FTF + 台湾 ATM surcharge（如有，合格 CMA 报销）。一律拒绝 DCC，选 TWD / Charge in TWD。来源：Fidelity Debit Card Agreement。
PIN/限额：ATM 取现需要 PIN。协议第 4.1 节一般列 Core Brokerage ATM limit 为 $1,000 或 6 笔/Banking Day；Higher Net Worth 为 $1,500 或 8 笔。个人限额以 Fidelitydebitcard.com 或卡背电话为准。公开页未要求 travel notice；建议开交易提醒并带备用卡。

最终现金方案

带 US$500 backup cash 给 5 人，主要防 ATM/卡片故障，并留给后续中国大陆段应急。
桃园落地取 NT$15,000；若 ATM/卡限额较低，先取 NT$10,000–12,000，之后再补。
Primary：Fidelity CMA debit card + 台湾 ATM。Backup：桃园 Bank of Taiwan / Mega Bank 柜台，只换 US$200–300，手续费保守按约 NT$100/笔预算。Avoid：在美国预购 TWD。
申报门槛：美国同行/家庭合计超过 US$10,000 需向 CBP 申报（CBP）；台湾外币超过 US$10,000、新台币超过 NT$100,000 需申报/受限。

二、ATM 取款详解（最优）

2.1 机场 ATM 机型与位置

桃园 T1、T2 到达层均有 24 小时 ATM：台湾银行 Bank of Taiwan（到达大厅·24h·境外卡通常不收操作费）、兆丰 Mega Bank（T2 一楼）、中国信託 CTBC（多点）。境外卡在台湾本地银行 ATM 通常不额外收操作费（与美国不同）。

⚠️ 修正 A：「国泰世华 CTBC」是两家不同的银行

草稿把「国泰世华 CTBC」当成一家——错误：国泰世华 Cathay United Bank（CUB，绿标，常见于 7-Eleven） 与 中国信託 CTBC Bank（红绿标） 是两家独立银行，桃园机场两者都有 ATM，对境外卡通常都不额外收操作费。

2.2 手续费与限额

项目	金额
本地 ATM 操作费（BOT/CTBC/国泰世华）	NT$0（≈US$0）
你自己美国发卡行的境外取款费	视卡而定（见第三节）
单笔取款上限（BOT）	NT$20,000（≈US$632）（每日最高 NT$100,000（≈US$3159））

2.3 ⚠️ DCC（动态货币换算）警告

ATM 弹出「以美元结算？/ Convert to USD?」→ 一定选「以台币 TWD 结算 / Charge in TWD」，拒绝 DCC；选美元通常差 3–7%，白白亏钱。

三、美国常用卡对比（2026 核验）

卡片	境外消费费	国际 ATM 取款费（本行收）	ATM 操作费报销	评级
Charles Schwab 高息支票借记卡	0%	$0	✅ 全球无限报销	⭐⭐⭐⭐⭐ 最优
Fidelity CMA 借记卡（Visa/Plus/Star）	0%	$0	✅ 全球无限报销（当日入账）	⭐⭐⭐⭐⭐ 与 Schwab 并列最优
Wise 借记卡	0%（中间汇率）	每月 €250 免费（2026-05 起新规），超出 2.69%	❌	⭐⭐⭐⭐
Revolut 借记卡	0%（中间汇率）	标准版 £200/月免费（5 次），超出 2%；高级版更高	❌	⭐⭐⭐⭐
Chase 普通支票借记卡	3%	$5/笔	❌	⭐⭐ 少次大额
Bank of America 普通借记卡	3%	$5/笔（联盟行可免 $5，但 3% 仍收）	❌	⭐⭐ 少次大额

BoA/Chase 取 NT$20,000（≈US$620）成本示意： $5 + 3%×$620 ≈ $23.6（约 3.8%）→ 一次取足、别分多笔。

四、台湾银行机场柜台（兑换备用）

位置：T1、T2 到达大厅，24h（BOT 与兆丰均有）。
汇率：接近市区银行，远优于欧美机场私营亭。
手续费：每笔约 NT$100（≈US$3，以柜台公告为准）。
建议：落地当天只换启动资金 NT$5,000–8,000（约 US$155–250），其余靠 ATM。认准官方 Bank of Taiwan 窗口，别用私营小摊。 需带护照。

五、现金需求测算（5人 · 3天）

场景	估算	备注
夜市（3 晚 × 5 人 × NT$400–600（≈US$13–19）/人）	NT$6,000–9,000（≈US$190–284）	小吃/饮料/小游戏
传统市场/街边早餐/小吃	NT$1,500–2,500（≈US$47–79）	5 人合计
传统小店偶发现金	NT$1,000–2,000（≈US$32–63）
应急备用	NT$1,500–2,000（≈US$47–63）
合计建议	NT$10,000–15,500（≈US$310–480）	与行程预算 NT$12,000–16,000（≈US$379–505）吻合

草稿的 NT$12,000–18,000（≈US$379–569）略偏高；NT$12,000–16,000（≈US$379–505） 为合理上限。ATM 单笔上限 NT$20,000（≈US$632），一次可取够。

六、支付组合策略

6.1 无境外手续费信用卡（Chase Sapphire / Amex）可刷场景

便利店（7-11/全家/莱尔富）· MRT 捷运闸机直接感应 Visa/Mastercard · 百货/连锁餐厅/大超市/部分景点。

⚠️ 修正 B（关键）：悠游卡（EasyCard）不能用信用卡加值——仅现金

草稿写「可信用卡储值」——不正确，必须更正。2026 实况：

加值方式	是否可行	说明
现金（MRT 加值机 / 便利店）	✅ 唯一可靠	7-11/全家/莱尔富/OK 都能现金加值
境外信用卡 / 国际借记卡（MRT 机器）	❌ 不支持	机器不接受国际卡加值
台湾本地银行自动扣款 / EasyWallet App	△ 仅台湾居民	需台湾账户/手机号，游客不适用
直接刷 Visa/Mastercard 感应乘捷运	✅（仅进出闸）	是直接扣款、不是加值；公交/YouBike/便利店不适用

建议：机场或 MRT 站买悠游卡（NT$100（≈US$3）起），之后用现金在便利店/加值机补值。悠游卡好处＝捷运 8 折、免反复排队买票。

七、禁忌清单

禁忌	原因
❌ 在美国预购台币	汇率差 4–8%，美国银行基本无台币现货
❌ 机场私营兑换亭	差价 6–10%
❌ 信用卡预借现金 Cash Advance	立即计息（约 24–30% 年利率）+ 手续费
❌ ATM 选「以美元结算」DCC	亏 3–7%
❌ 带大量美元现金	换汇繁琐、直接消费无处用
❌ 酒店前台换汇	汇率最差

八、具体行动方案

方案 A — 有 Schwab 或 Wise/Revolut 卡（推荐）

落地即用：1–2 人用 Schwab 借记卡在 BOT ATM 取 NT$15,000（≈US$474）（单笔上限 NT$20,000（≈US$632）），选「台币结算」、拒绝 DCC。
Schwab 用户 ATM 手续费月底全返，无需柜台兑换。
大额消费刷 Chase Sapphire / Amex（0% 外币费）。
Wise 用户注意：月免费额度 €250（约 NT$8,700（≈US$275）），一笔就近上限，超额收 2.69%；建议再备一张 Schwab 更稳。

方案 B — 仅有 BoA / Chase 普通借记卡

落地当天：BOT 柜台先兑 NT$6,000（≈US$190） 启动资金（手续费按柜台公告，约 NT$100（≈US$3））。
第 2 天：在台湾银行/CTBC ATM 一次性取 NT$20,000（≈US$632）（一笔 $5 + 3% ≈ $23）。
避免频繁小额取款（每笔固定 $5，越取越亏）。

九、钞票面额建议

面额	建议	原因
NT$100（≈US$3）	✅ 多备	夜市/小吃摊最常用、好找零
NT$500（≈US$16）	✅ 常用	单次小额得力
NT$1,000（≈US$32）	⚠️ 少量	夜市/小摊常「没零钱」拒收大钞

ATM 通常出 NT$1,000（≈US$32），取后先到便利店消费换零钱。

十、申报与法规

离美（CBP）：携带 > US$10,000 现金/等值票据须申报（FinCEN 105），未报可能没收。
入台：外币 > US$10,000 须申报；新台币 > NT$100,000（≈US$3159） 须申报（上限 NT$100,000（≈US$3159））；人民币上限 RMB 20,000。
本次 5 人携 NT$12,000–16,000 或等值美元（约 US$400–500），远低于所有门槛，无需申报。 ✅

十一、修正汇总

#	草稿原文	结论	修正说明
⚠️ 1	「EasyCard 可信用卡储值」	❌ 错误	悠游卡加值仅现金；国际信用卡无法在 MRT 机器/便利店给悠游卡充值；境外卡可直接感应刷捷运，但那不是充值
⚠️ 2	「国泰世华 CTBC」为同一银行	❌ 错误	国泰世华 Cathay United 与中国信託 CTBC 是两家独立银行，机场都有 ATM
✅ 3	台湾银行 ATM 不收操作费	正确	BOT/CTBC/国泰世华对境外卡通常不另收
✅ 4	柜台手续费按公告（约 NT$100（≈US$3）/笔预算）	正确	按柜台公告；预算中按 NT$100/笔保守估算
✅ 5	Schwab / Fidelity CMA 均 0% + 全额 ATM 报销	正确（2026）	两者均 0% 境外费 + 全球无限 ATM 报销；Fidelity 当日入账、Schwab 月底（来源：fidelity.com/spend-save/faqs）
⚠️ 6	Wise 月免费额度	部分更新	2026-05 起 €250/月；以 App 内显示为准
✅ 7	BoA/Chase 3% + $5/笔	正确（2026）
✅ 8	单笔上限 NT$20,000（≈US$632）	正确	每日最高 NT$100,000（≈US$3159）
✅ 9	> US$10,000 须申报	正确	美国出境与台湾入境均适用
✅ 10	NT$12,000–16,000（≈US$379–505）预算	合理	夜市实需约 NT$7,500–9,000（≈US$237–284）

十二、快速参考卡（随身）

📍 桃园落地取钱顺序
1. 出海关 → 台湾银行 BOT ATM → 取 NT$15,000（≈US$474） → 选「台币 TWD」→ 拒绝 DCC
2. 有 Schwab 卡：手续费月底全返，放心取
3. 只有 BoA/Chase：先柜台兑 NT$6,000（≈US$190）（手续费按柜台公告，约 NT$100（≈US$3）），之后一笔 ATM 取 NT$20,000（≈US$632）
4. 买悠游卡：NT$100（≈US$3） 起，用【现金】加值（7-11/全家/加值机）
💳 刷卡：Chase Sapphire / Amex（0% 外币费）→ 便利店/捷运/百货/餐厅
💵 现金：夜市 / 传统小吃 / 路边摊
🚫 绝不选 ATM「以美元结算」(DCC)

来源见各章节行内链接；核验截至 2026-08。汇率/费率/规定以官方与实时为准。