The monthly fee is only 4 EUR for the bank account. From a pure current financial standpoint, it wouldn't pay off since I visit the mainland perhaps twice a year (maximum), and don't have any spare money to make big ticket purchases.

In comparison, I pay 12,95 EUR/month for my current account, which includes a Mastercard credit card that allows me to make a fixed number of ATM withdrawals for free. No rewards, no points. And purchases not in Euro get hit with a FX fee.

Granted, was just curious whether opening a RMB account would be interesting, since I do have RMB in cash laying around as a reserve. And would de-risk from Mastercard as the sole payment provider.