1. Change money at the bank. At present, most bank exchanges can be handled at bank outlets or mobile banking apps. The account manager of a branch of the Agricultural Bank of China in Beijing told the reporter that it is necessary to bring bank cards, ID cards and other documents to the bank outlets, and those within the personal annual convenient foreign exchange purchase quota can be directly handled. If it is small change, you need to make an appointment. Foreign exchange purchased by individuals can be deposited in their domestic foreign exchange accounts, remitted abroad, or withdrawn in foreign currency cash.
The redemption operation of mobile banking app is not complicated. Customers only need to fill in an application form for individual purchase of foreign exchange, which includes information such as the estimated time of foreign exchange use, the purpose of foreign exchange purchase, the destination country, the estimated stay time and so on. Optional currencies include US dollar, Euro, British pound, Hong Kong dollar, Japanese yen and other major currencies, and the real-time reference exchange rate is displayed on the mobile phone. However, the mobile banking app can only handle the business within the annual total amount, and it needs to be handled at the outlet if it exceeds the quota.
2. Exchange money on the Internet platform. Take Ctrip's foreign currency exchange platform as an example. The exchange process only needs three steps: filling in the form, online payment and collection at outlets. Consumers can choose the city, outlet and time of banknote collection, enter the amount of foreign currency to be exchanged, and after payment, they can go to the designated place to collect banknotes. The payment method can be savings card, WeChat payment or Alipay. However, you can only withdraw foreign currency cash when you exchange money on Ctrip, and you can't directly deposit foreign exchange into a bank account.
Ctrip only provides full hundred denominations of foreign currency exchange, and does not support small denominations. Ctrip also provides tip bags and coin purses, but they are not exchanged at the market exchange rate, but sold separately. For example, each dollar tip bag contains 65,438+02 notes of 65,438+0 dollars, and the price is 95 yuan RMB, which is equivalent to 86 yuan RMB at the current RMB exchange rate of 65,438+02 dollars. In addition, Ctrip can only provide foreign exchange services within the convenient limit of $50,000, and the excess can only be handled at bank outlets.
In addition, Ctrip customer service said that if you want to exchange foreign exchange within two days, you need to pay an expedited fee of 15 yuan, and the exchange rate of expedited orders will also rise relatively. For example, on the 27th, a reporter made an appointment on Ctrip to exchange US dollars on the same day, and the exchange rate showed around 7.22. Today, the central parity of RMB against the US dollar is 7.07, and the selling price of foreign exchange quotation notes of banks is around 7. 14-7. 15.
Consumers should pay attention to the fact that when exchanging foreign exchange on the Internet platform, they should choose a personal local and foreign currency exchange franchise business organization.
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Lock the exchange rate at an appropriate time.
The general exchange rate changes in real time every day, and the bank's foreign exchange listing price is determined according to the middle price announced by the central bank and the international foreign exchange market. Consumers who want to travel abroad can pay attention to the daily foreign exchange market and choose the exchange time to save some costs.
In addition, many banks and financial institutions have launched preferential activities in consumption abroad, including cross-border payment and cash back, partial discounts and so on. For example, UnionPay and ICBC, Agricultural Bank of China, Bank of Communications and other banks launched cross-border cashback cards, and 27 million overseas offline merchants and online designated merchants cashed back 1% for each consumption, with the highest cashback of1.20,000 yuan for the whole year, as well as preferential activities such as catering and shopping in some countries.
Some banks have higher cashback quotas, such as Industrial Bank Platinum Credit Card. The highest cashback for overseas credit cards is 65,438+00%, and that for South Korea is 30%. Shanghai Pudong Development Bank Platinum Credit Card can enjoy up to 3 1% credit card fee feedback if it meets the requirements.
There are also some banks that cooperate with Internet travel platforms to launch preferential activities. For example, Ctrip's foreign currency exchange platform offers full discounts and discounts for different countries and merchants. Compared with the exchange rate change of 1%-2%, these preferential activities can basically fill the exchange rate difference.
Phoenix. Do you dare to travel abroad when the RMB breaks 7? Teach you how to change money to save the most money.