Detailed explanation of remittance methods for studying in Switzerland

Detailed explanation of remittance methods for studying in Switzerland

First, according to the level of handling fees

The difference between foreign exchange and domestic withdrawal is that no matter which way, you need to pay a certain handling fee. The difference lies in the level of handling fees.

Divided according to this: draft

The handling fee of the draft is the lowest, generally one thousandth of the handling fee, ranging from the lowest 30 yuan to the highest 200 yuan.

The handling fee for wire transfer is relatively high, mainly reflected in the fact that the handling fee limit is RMB 1000 yuan.

Traveler's checks are charged a double handling fee, which is one thousandth to five thousandths of the face value when purchased and one thousandth of the face value when cashed.

The handling fee of moneygram is the most expensive, 1.5%, and it is calculated according to the exchange rate of US dollars, and the price will be higher when converted into RMB.

Second, according to the payment time.

Payment time is also an important aspect that parents will consider when choosing remittance. Usually the payment time is not high, but in case of emergency, this is the first choice.

Divided according to this: draft

Moneymax, as its name implies, means that money arrives quickly. In an emergency, Moneymax will be the best choice. The whole process from remittance to collection will not exceed ten minutes.

Cashing traveler's checks is also quick. You just need to take the check to the bank, and you can get the cash after being verified by the staff.

The arrival time of telegraphic transfer is much slower, usually about two days, while the payment time of draft is longer. After the draft is paid to the bank, it takes one month to withdraw money.

Third, simplify procedures.

In all foreign exchange transactions, the number of processes will also affect people's choices. The use of traveler's checks is the simplest, and the processes of money order, wire transfer and quick money transfer are similar, so this aspect should also be considered when choosing.

Further reading: How to apply for studying in Switzerland?

1. Choose the appropriate degree course.

Switzerland has many disciplines, especially financial accounting, economic management, international law, information technology, biochemical medical treatment and environmental protection, and enjoys a high reputation in the world. The following are some popular choices: Master of Human Medicine, Master of Civil Engineering, Master of Computer Science, Master of Physics, Master of International Business, etc.

Choose a suitable Swiss university

There are two very science and engineering universities in Switzerland, Swiss Federal Institute of Technology and EPFL University, which are directly under the federal government. ETH in Zurich is almost equivalent to MIT, and others are state-owned universities. Well-known universities include University of Zurich (UZH), University of Saint Gallen (HSG), Adolphe merke Institute and UNIGE, where I graduated.

3. Application preparation

Switzerland offers a variety of research options, many of which are highly focused on research. Pay attention to the research direction, major, school and other rankings when applying, and carefully select the degree after collecting all relevant information. Check the exact entrance requirements for each degree course and the specific standards for medical, dental and veterinary degrees. For outstanding students, you can look for scholarship opportunities in Switzerland.

Apply for qualification

You know, most Swiss universities don't recognize certain qualifications, such as distance education certificate, evening school certificate, vocational or part-time high school certificate. If you don't confirm your certificate or qualification, you will get a complete Swiss (or national) semester exam. It is absolutely not recommended to take this kind of exam, because you don't know the form and content of the exam, and it is conducted in the small language of your state.

5. How to apply

Fill in the online application form of the university website.

Pay the application fee.

Upload all supporting documents before the deadline.

6. Language proof

German: DSH, TestDaF, OSD, telc

French: Delve or DALF

English: IELTS, TOEFL

If you don't have a language certificate, you can take a language test at the university and decide whether your level is enough for you to finish your studies according to your grades. Not all universities offer this option. Finally, don't take the language test organized by the school. I went to school with TEF -C 1, but Switzerland did not accept TEF scores and took the language test organized by Geneva University. This is a direct tragedy, because the first question, listening, is actually listening and writing comments, and I got a blank sheet of paper directly. ...

7. Required application documents

Sign and print out your application form.

Two passport photos

Copy of id card

Official transcripts of college attendance.

High school diploma or undergraduate diploma

Language proficiency certificate (German/French/English)

personal record

Proof of payment of application fee (delayed application 100- 150 Swiss francs or 400 Swiss francs)

Personal thesis/motivation letter (this is very important, a good application motivation letter is related to whether you will be recognized and accepted by your tutor)

8. Additional documents for students applying for doctoral programs

The recommendation letter of the tutor was approved to guide the doctoral thesis and agreed to ignore your research.

If it is the last year of senior three and you don't get the diploma, you can provide the results within one year, but you must send a copy of the final exam results as soon as possible.

All certificates and transcripts are provided by translators in English, French, German or Italian. In addition to translation, some universities will also require the official documents of your school or university, and explain the grading and evaluation system.

9. Deadline for applications from Swiss universities

The deadline for applying to a Swiss university varies, depending on the university you apply for. Students are usually advised to submit their applications in the spring semester in order to start their studies in the next academic year.

Autumn term: 65438+February 1 to April 30th.

Spring term: May 1 to June165438+1October 30th.

If you need a Swiss visa, it is recommended to follow the following deadlines: 12, 1, with the autumn semester starting from February 28th and the spring semester from May 1 to September 30th.

In some cases, doctoral applications have different deadlines:

Autumn semester: to 10, 15.

Spring term: as of March 3 1.

10. The last step after receiving the letter of admission.

Non-EU students must apply for a visa. If you need a student visa, you can apply to the embassy or consulate.

All foreigners studying in Switzerland need to obtain a residence permit. Usually, the local immigration office applies for a residence permit within 14 days after arriving in Switzerland.

By purchasing health insurance, EU students automatically obtain the basic medical qualification of European health insurance card. EU and non-EU students must pay extra health insurance upon arrival.

Further reading: introduction to the conditions of studying abroad loan in Switzerland

1. The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;

2. The borrower has no violation of laws and regulations, is healthy, and is honest and trustworthy;

3. If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad;

4. If the borrower is an immediate family member or spouse of a student studying abroad, he should have a permanent residence or other valid residence status in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and have the ability to repay the principal and interest on schedule;

5. The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad;

6. The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is currently limited to mortgaged property; Pledged goods are currently limited to government bonds, bank certificates of deposit, corporate bonds and other securities; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;

7. Meet other conditions stipulated by the lender.