(1) The method of remittance from a foreign company account to a domestic personal account: open a passbook or card for the settlement account of China Bank, then ask your local China Bank about the remittance path, and then send the remittance path and your card number to foreign customers. After the bank calls you, you can handle foreign exchange business.
(2) There is no restriction for the remitter to remit money from abroad to the domestic personal account, but the payee can only settle foreign exchange of 50,000 US dollars a year with the ID number. If it is a company account, there is no limit. China stipulates that the amount that each citizen can settle and sell foreign exchange in a year is 50 thousand dollars, that is, if an individual receives money, it is at most 50 thousand dollars. At the same time, if the institution remits money to an individual, the bank may require proof of the source of the remittance.
Extended data:
Precautions for remittance from overseas to domestic personal account:
1. Be sure to ask whether the currency of currency settlement and foreign currency settlement is one layer or two.
Suppose you buy things in euros in Europe, and the card is RMB. Ask whether RMB is directly converted into euros, or whether RMB is first converted into dollars and then converted into euros. There is a big difference.
2. Cash for cash is different. You need to open a letter of credit to carry cash, so don't get into trouble at the customs.
If the amount is not large, the customs can declare it normally without extra charge. I didn't understand it before and found that the money was deducted. The customs staff told me that you would be fine if you declared it. I didn't know the rules and suffered a loss.
There are different charging standards for remittance and telegraphic transfer. Usually, remittance is much cheaper than telegraphic transfer. However, if the bill is not taken out of the country by myself, it will be mailed, which will lead to mailing costs and corresponding risks.
In addition, the time for remittance to arrive in the account is slower than that of telegraphic transfer, and remittance is cheaper and telegraphic transfer is faster, both of which have their own advantages.
4. Don't transfer the same amount of money to China. It is easy to be suspected of money laundering abroad and freeze overseas accounts.
In foreign countries, it is very troublesome to submit certificates to foreign banks just because the number of transactions is the same.
If you choose Kubolan _ encrypted remittance for privacy reasons, don't use the one in Hong Kong. Unless you remit Hong Kong dollars, you will suffer. It is not cost-effective to exchange RMB in Hong Kong for Hong Kong dollars and then for foreign currencies.
Use Kublan _ to let the customer service lock the exchange rate, that is, after you say hello to the exchange rate, the international exchange rate is changing when you are preparing to remit money. If the exchange rate you locked in is good, use the exchange rate locked in the consultation.
If you find that the fluctuation of the international exchange rate has become better when preparing the transfer, you should apply for a new exchange rate.
I've remitted it three times, and twice found that the international exchange rate changed at the last minute, so I saved some money and reapplied. People who don't know this are easily exploited by coupland.
6. If you use bits, ethers, Roman coins, etc. Remit or melt money. It is best to know the handling fee for each purchase or currency melting. Don't use the exchange rate and lose the handling fee.
7. Try not to use out-of-memory loans and cash loans. The procedures are cumbersome, complicated and trivial, which have been strictly controlled in the past two years.
When going abroad to invest in mergers and acquisitions was encouraged a few years ago, too many people took advantage of domestic insurance and foreign loans. In the end, it is also a big deal for domestic companies to abandon it. Now we want to do it again.