As far as I know, ordinary banks have a limit of $50,000 for personal settlement. If you need to use foreign exchange within this limit, you can also apply. 50 thousand yuan is free If it exceeds, you must provide proof of using foreign currency. For example, if you pay for something, you have to have a contract, a purchase agreement and so on.
In addition, if you open a foreign currency account and have dollars and euros in the future, don't form RMB, put it there and use it directly when you want to go abroad in the future.