What is used for international transfer?

If you work in Dubai and earn 6.5438+0.8 million yuan a year, how can you remit this 6.5438+0.8 million yuan back to China? How many remittance methods are there?

Let me briefly talk about Dubai currency. Dubai dirham, converted into RMB, the exchange rate is 1 dirham, which is about RMB 1.607 yuan.

Dubai is the richest gathering place in the world. You can pick up money by sweeping the street. As for whether you can answer it, it depends on luck! Rich enough to flow! But water is more expensive than oil! Marry a Dubai wife, without a 1 ten thousand dollars, even can't smell P!

There are many ways to remit money from abroad to China, including bank counter handling, wire transfer, online remittance, Western Union remittance (offline remittance) and traditional remittance companies.

Bank counter handling method:

1*, first of all, you have to have a special foreign exchange account in China. Some banks have multiple currency functions in one account. If there is a foreign currency remittance function, you don't need to apply again.

China Merchants Bank Card automatically opens the function of foreign exchange remittance.

2. Show me your personal identification.

3. Fill in the information of foreign exchange remittance slip. Fill in the remittance information carefully, that is, the payee's name, address, remittance amount and SWIFTCODE code of domestic payee's bank.

If you are not familiar with it, you can ask the bank for a road map of overseas remittance, which contains complete information.

But please note: a, personal remittance cannot be remitted to the company account, and company money cannot be remitted to the private account. (Prevention of money laundering)

There is no upper limit for remittance from abroad to China. However, the single amount is limited to $65,438+$00 to $2,999, and each bank charges a handling fee of $2.99. The daily limit is 50,000 dollars.

C. Large remittance from abroad to China must be applied to the State Administration of Foreign Exchange, and proof of the legal source of the money and funds shall be provided; otherwise, the money will be returned in the same way. (Prevention of money laundering)

Second, online remittance.

The single amount is $ 10 ~ $2999. Unlimited times, but you need to provide proof of legal income source. (Prevention of money laundering).

If it is legal, how much can you remit to China? But the bank settlement is RMB, with a daily limit of $50,000.

Payee ID card, country and mobile phone number.

Visa credit card and MasterCard issued by the host bank held by the remitter.

Domestic remittance to China:

1. The total remittance for the whole year is $50,000. About 300,000 RMB.

Within one year, individuals can only remit 50,000 US dollars abroad. If you want to remit it again after one-time remittance, it won't work! ! Unless, of course, you need to prepare more documents, copies and certificates. You know! !

If you have recurrent expenses abroad, you should issue a certificate, report it to the bank for filing, and then issue various certificates through China Customs. For example: 1, when studying abroad, the school will issue a list of tuition certificate receipts, and after the customs passes the examination, the bank will transfer the money to the designated school. (Prevention of money laundering and transfer of assets)

Type II, if renting a house abroad, the landlord will provide the rental contract and the residential registration certificate, and then operate it as 1 to remit the money to the landlord. (In case ...)

The third category, other girls, drink red wine in KT ⅴ red light district. , all the consumption lists are collected, and the operation is the same as the category 1.2. (In case ...)

For reference only. If there is any discrepancy, please refer to the latest foreign exchange remittance management regulations.

Cross-border cross-currency transfer, personal experience, tell you the methods often used by local tyrants. Before I went to California, I met a boss and a 40-year-old aunt in China. If I put her in China, she will be a veritable local tyrant. She really explained a sentence well: as long as you are willing to work hard, there will always be opportunities in America.

She told me that when she was young, she was coaxed by her boyfriend. Later, her boyfriend married someone else, but she could do nothing. In order to survive, most of them are nannies and have foreign boyfriends, but they don't agree. Finally, on the recommendation of another friend in China, she chose to be a nanny.

Because old people in America seldom help their children, there is a great demand for nannies, so she also earns some money. But after returning to China, I didn't adapt to the domestic work, so I chose to stay in the United States.

At that time, I was working while playing, and I still had tens of thousands in my hand. People who have gone abroad should know that the limit for each person to carry RMB when leaving the country is 20,000 yuan, and those who enter the country more than the equivalent of 5,000 US dollars must declare.

On the other hand, in the United States, tourists carrying more than $65,438+00,000 in cash must not only declare, but also make a reasonable explanation of the source of the cash, and some have to show their certificates. That sounds troublesome. However, if you don't declare, you may even face a fine of 500,000 US dollars and a fixed-term imprisonment of more than 10 years.

However, many people like to take cash abroad. To say why, it may be because people feel safe in other places.

This reminds friends to pay special attention before going out.

But there is a strange place, such as Thailand.

If you go to Thailand to play, if you carry 20 thousand baht or less with you, you may be regarded as "poor" (people who have no normal spending power), have an illegal immigration tendency, and will be refused entry by Thai customs. Even if you use a credit card when you enter the country, it depends on the amount of cash you carry with you.

These are beside the point, but this aunt has been doing it for more than 20 years. Now we have our own companies, all from China, earning 50,000 to 60,000 dollars a month. All my money is in the hands of my brother at home. She said: RMB is valuable, but the dollar is not. After working for several years, she will return to her family. It's also what she told me about international transfer.

Take the transfer from Chase Bank in the United States to CITIC Bank in China as an example: take the mobile phone, go to the bank to apply for a bank card, and then bind the address of the bank card, the last four digits of the security number, the bound email address and the swift code of CITIC Bank. Then, download the mobile app and log in.

If the transfer amount you want is less than $5,000, you don't need to declare it. If it is more than $5,000, you need to take relevant materials to prove that it is my legitimate income, and then apply for entry declaration. Sometimes the review will be quick, less than an hour, and sometimes it will be slower, but not too long.

Click to enter the wire transfer to receive the verification code, and the verification code will be sent to the bound American mobile phone number, adding the payee information, bank card information and the swift code of the payee bank.

Finally, no matter how much money is transferred, the handling fee is 40 dollars, but the maximum transfer can be 25,000 dollars per day. Generally, it will arrive in the domestic account within 3 days. If the amount exceeds 5,000 US dollars, CITIC Bank will call the payee, take the information and declare it, and he can withdraw RMB.

There may be other ways, such as sending a personal check, telegraphic transfer in a local bank, deposit in a BOC account in a BOC foreign branch, and so on. But it is worth noting that these are also the two most important points:

First, cross-border inter-bank transfer, then you must first make sure that your foreign bank card has the function of international remittance.

Second, the transfer is based on the exchange rate of the day, and there is also a handling fee for cross-border transfer, so you must pay attention when transferring money, otherwise it may not be enough.

However, it seems that there is a kind of China bank card in the UK, and cross-border transfer of the same account in different currencies is free. You can consult the Bank of China. This card can be transferred to the account within 24 hours and can be completed in the mobile APP.

Anyway, no matter which method you use, you must not listen to some "quick and convenient" methods abroad, especially those of strangers. In order to save some money, some people would rather venture to find a private exchange and an unknown "place" underground. This kind of thinking is absolutely unacceptable. This kind of behavior has a great risk of being cheated and is illegal. Otherwise you will regret it.

With the continuous development of China's economy and society, many people will go abroad to work, study or travel. At this time, the exchange of funds between foreign countries and China is very common, such as remittance of domestic money abroad, or remittance of money earned abroad to China. This is a transnational transfer.

How to operate cross-border transfer? What are the ways to transfer money? What is the charging standard for transfer? What are the restrictions and so on?

At present, China implements foreign exchange control. If an individual sends money abroad, the limit per person per year is 50,000 dollars. In addition, if you take cash out of the country, you can't take more than $5,000 each time.

If your annual remittance amount is less than 50,000 yuan, this processing is very simple. You just need to go to the bank to go through the remittance formalities. At present, domestic funds are remitted abroad mainly through some big banks, such as China Industrial and Commercial Bank and China Bank.

However, if the annual remittance amount exceeds US$ 50,000, or a single remittance exceeds US$ 1 000, or the cash taken out of the country exceeds US$ 5,000, it must be declared, and then a reasonable proof of the use of funds must be provided before the remittance can be successful.

For example, provide real proof of studying abroad, such as admission notice and tuition receipt; For example, the authenticity certificate of overseas medical treatment, such as the certificate of local hospital, the bill of overseas hospital charges, entry and exit passports, etc. ; As long as you can provide real evidence, you can remit more than 50 thousand dollars, but if it exceeds too much, it is estimated that this road will not work.

If your remittance amount is relatively large, such as millions of dollars or more, it is definitely not feasible to remit it in your own name. At this time, it is basically necessary to remit in the name of the enterprise, and it is very troublesome to transfer foreign exchange abroad in the name of the enterprise.

You have to go through many procedures, such as going to the Ministry of Commerce for filing and approval, then going to the National Development and Reform Commission for filing and approval, and going to the State Administration of Foreign Exchange for filing. Only after these departments verify that the projects you invest in are authentic, your income source is legal, there is no money laundering, and the potential risks are evaluated can you agree to purchase foreign exchange and transfer the money abroad.

Nowadays, many people go abroad to do business or work, and when they earn money abroad, they must try their best to transfer the money to China. Is there any way to transfer foreign money to China? Judging from the current actual situation, there are mainly several ways.

First, remittance through online banking.

Through online bank remittance, you can directly choose some foreign banks. As long as these banks join the international settlement system, they can remit money normally.

Of course, at present, some domestic banks have some smart cards, through which you can use domestic mobile banking or online banking to remit money directly back to China.

Remittance through online banking is relatively simple, but the amount is relatively small, generally not exceeding $2,000. If it exceeds $2,000, it is possible to provide proof of legal income.

Second, remit money to local bank outlets.

When you remit money to these banks, you need to provide your name, bank account, bank address, bank name and code (Swift code). Besides, you must have a foreign exchange account in China to receive the money. At present, some big banks can open such foreign exchange accounts. After preparing these procedures and materials, you can submit them directly to the bank, and then the bank will convert them into RMB at the corresponding exchange rate for remittance.

However, the international payment fee is generally higher. For example, if the United States remits money back to China, the single handling fee may reach more than 10.

Third, Western Union telegraphic transfer.

Western Union telegraphic transfer is one of the largest remittance service providers in the world. There are more than 500,000 cooperative outlets in more than 200 countries and regions around the world, and more than 28,000 cooperative outlets in China.

This is also the most commonly used way of international remittance at present. If you want to remit foreign money back to China, you only need to go to the local Western Union wire transfer cooperation network and provide relevant information as required, so you can remit money normally. The remittance time of Western Union is relatively fast, generally 1~5 days, and the fastest even 15 minutes.

But in the three aspects we mentioned above, there are some places that need special attention:

1. If the remittance amount exceeds a certain amount, proof of legal income is required. For example, in the United States, the remittance amount exceeds a certain amount.

2. When settling foreign exchange in China, a single foreign exchange amount exceeds 3,000 US dollars, which may need to be declared, that is, proof of legal income source must be provided.

3. Company accounts cannot be transferred to personal accounts, and personal accounts cannot be transferred to company accounts.

Fourth, capital swap.

All the remittance methods mentioned above are troublesome and the amount is limited. Even if there is no limit on the amount of foreign exchange money you can transfer from China to China, there is still a limit of $50,000 for foreign exchange settlement in China. If it exceeds $50,000, it is difficult to provide reasonable income proof and settle foreign exchange.

So in order to avoid some unnecessary troubles, many people will find some professional companies or find some acquaintances to communicate.

Simply put, someone wants to transfer money abroad at home. For example, if he has a child studying abroad and needs to use foreign currency, you can give the local foreign currency to his child and ask him to transfer the same amount of money to your home account. Nowadays, many people use more than 50 thousand foreign exchange to remit money, which is actually this way of operation.

Tell me about my work experience in Korea.

First, you can go to a bank in Korea to remit money to a domestic account. It takes a long time and costs a little more, but it's safe, but if the amount is particularly large, it may be targeted, you know.

Second, the exchange of money, how can I put it? I feel that this exchange of money is like our previous foreign exchange reselling. The characteristics of money exchange are fast, point-to-point WeChat Alipay, bank transfer, instant arrival, or cash exchange to bring back to China.

There are two situations of transnational transfer, one is that foreign countries transfer to China, and the other is that domestic countries transfer to foreign countries!

There are two common ways to remit money from abroad to China: bank telegraphic transfer and Western Union remittance!

T/T by bank: firstly, choose a bank, and it is best to choose a branch of a domestic bank abroad to avoid using several banks to transfer money, which is the fastest and the least expensive. Banks at home and abroad are the same, and there will be a handling fee for the transfer. And if the money is delayed, it is easy to tell the reason!

Domestic transfer abroad.

First, through domestic banks, mainly large state-owned banks such as Bank of China, it can be transferred out by telegraphic transfer, bank telegraphic transfer or Western Union telegraphic transfer as in foreign countries.

Second: directly transfer money to the other party's card with the domestic bank card. Just change the exchange rate into the other's currency.

However, it should be noted that at present, domestic remittance and transfer to foreign countries cannot exceed $30,000 per day, and the maximum is $50,000 per year. There will be restrictions!

I run a restaurant in Vietnam.

Tell me how to bring Vietnamese Dong back to China.

First of all, Vietnam pays cash, and it is Vietnamese dong.

China people who work here all have Vietnamese dong in their wallets, and a few still have US dollars.

Let's calculate the exchange rate of my restaurant's daily turnover from 5 thousand to 10 thousand, small restaurant

The main crowd facing the restaurant is China people, 90% of whom pay the Vietnamese dong bill, as well as WeChat transfer or US dollars.

The quickest way is to change money. People in China can exchange Vietnamese dong for pocket money every day, or if they need to use Vietnamese dong, they can exchange it with me and transfer it to me through WeChat or zfb. I will pay him Vietnamese dong in cash.

Then there are underground banks, but the cost is very high.

If you work in Dubai and earn 6.5438+0.8 million yuan a year, how can you remit this 6.5438+0.8 million yuan back to China? How many remittance methods are there?

Let me briefly talk about Dubai currency. Dubai dirham, converted into RMB, the exchange rate is 1 dirham, which is about RMB 1.607 yuan. Dubai is the richest gathering place in the world. You can pick up money by sweeping the street. As for whether you can answer it, it depends on luck! Rich enough to flow! But water is more expensive than oil! Marry a Dubai wife, without a 1 ten thousand dollars, even can't smell P!

There are many ways to remit money from abroad to China, including bank counter handling, wire transfer, online remittance, Western Union remittance (offline remittance) and traditional remittance companies.

1. How to handle the bank counter: 1. First of all, you have to have a special foreign exchange account (special application) in China. Some banks have multiple currency functions in one account. If there is a foreign currency remittance function, you don't need to apply again.

China Merchants Bank Card automatically opens the function of foreign exchange remittance.

2. Show me your personal identification.

3. Fill in the information of foreign exchange remittance slip. Fill in the remittance information carefully, that is, the payee's name, address, remittance amount and SWIFTCODE code of domestic payee's bank.

If you are not familiar with it, you can ask the bank for a road map of overseas remittance, which contains complete information.

But please note: a, personal remittance cannot be remitted to the company account, and company money cannot be remitted to the private account. (Prevention of money laundering)

There is no upper limit for remittance from abroad to China. However, the single amount is limited to $65,438+$00 to $2,999, and each bank charges a handling fee of $2.99. The daily limit is 50,000 dollars.

C. Large remittance from abroad to China must be applied to the State Administration of Foreign Exchange, and proof of the legal source of the money and funds shall be provided; otherwise, the money will be returned in the same way. (Prevention of money laundering)

Second, online remittance. The single amount is $ 10 ~ $2999. Unlimited times, but you need to provide proof of legal income source. (Prevention of money laundering).

If it is legal, how much can you remit to China? But the bank settlement is RMB, with a daily limit of $50,000.

Payee ID card, country and mobile phone number.

Visa credit card and MasterCard issued by the host bank held by the remitter.

Domestic remittance to China:

The total remittance in the whole year is $50,000. About 300,000 RMB. Within one year, individuals can only remit 50,000 US dollars abroad. If you want to remit it again after one-time remittance, it won't work! ! Unless, of course, you need to prepare more documents, copies and certificates. You know! !

If you have recurrent expenses abroad, you should issue a certificate, report it to the bank for filing, and then issue various certificates through China Customs. For example: 1, when studying abroad, the school will issue a list of tuition certificate receipts, and after the customs passes the examination, the bank will transfer the money to the designated school. (Prevention of money laundering and transfer of assets)

Type II, if renting a house abroad, the landlord will provide the rental contract and the residential registration certificate, and then operate it as 1 to remit the money to the landlord. (In case ...)

The third category, other girls, drink red wine in KT ⅴ red light district. , all the consumption lists are collected, and the operation is the same as the category 1.2. (In case ...)

Confirm usdt

At present, there are many ways of inter-bank transfer, including counter transfer, ATM transfer, online banking transfer, mobile banking transfer, cash check, local transfer and wire transfer. Counter transfer: through bank counter transfer, the time of the other party's receipt can be determined according to the requirements of the transferor. You can choose to receive the account within two hours or within 24 hours. The bank will charge a certain handling fee.

To have a foreign exchange account, some banks require special applications, and some banks have the function of one account with multiple currencies.

Ask the bank for the overseas remittance route map, including the overseas account information of domestic banks, remittance routes in various currencies, intermediary bank information, remittance payee information and domestic bank information.

Fill in the contents required by the road map and provide them to overseas remitters. 4. The remitter gives the road map to the foreign bank and pays the handling fee according to the requirements of which bank.

When the payee receives the remittance, the collection time of different banks in China is different.

In my personal experience, there is an option of "transfer and remittance" on the home page of mobile banking. Click "overseas remittance" to support small remittance.

If it is Xiaobai, you can go to the bank to remit money and find a professional to do professional things. All banks have overseas remittance counters. Take the certificate of foreign exchange use with you when you go.

Hit home:

Ask what materials you need in advance, so as not to run more.