Advantages: it saves money and is convenient.

Disadvantages: slow speed

◆ Remittance method: Get a check or a check from Bank of America. The filling method is as usual. You can write your Chinese name and payee's ID number on the memo.

◆ Payment method: The payee holds his ID card to any foreign exchange bank in China to collect money.

◆ Time: about one month. When the dollars arrive, the bank will call the payee. You can choose US dollars or RMB when withdrawing money.

◆ Tip: Some advanced accounts or special applications can be exempted from wire transfer fees. Customers with good eloquence may wish to give it a try!

Cash carrying

Advantages: not affected by exchange rate, saving money.

Disadvantages: the danger is inevitable and needs to be declared by the customs.

◆ Remittance &; Payment method: human flesh is carried, and the carrying process is risky.

◆ Tip: The exchange rates of different banks are different. If you want to exchange a large amount of money, please check in advance.

Bank direct deposit

There are advantages and disadvantages for China Bank's branches in the United States to deposit money directly into banks in China. In Los Angeles and new york, there are many branches of banks in China, and the international foreign exchange business offices of large banks in some countries also have different names. But it also has many advantages and disadvantages.

Advantages: safety, service personnel can speak Chinese.

Disadvantages: it is necessary to calculate the traffic time separately, and sometimes there may be many people waiting in line.

◆ Remittance method: At the counter of Bank of China, USA, take the form.

◆ Time: generally within 24 hours.

◆ Fees: The fees of different banks are different, generally below $3,000 and tens of dollars.

RMB/USD dual currency credit card

Students who want to study abroad can apply for a dual-currency credit card before going abroad, with their parents holding the main card and their own secondary card. When you pay by credit card after going abroad, you can pay by entering the credit card information without a password.

If you need to enter the zip code when swiping your card, just enter the zip code of your address in the United States. If you pay by a large credit card, you need to show your ID card when you swipe your card. The general credit line is enough for international students to live outside, so don't worry about the lack of credit line.

Warm reminder, don't use domestic credit cards to pay tuition fees in the United States. Banks have to charge 2% to 3%, and the tuition base is large, which is not cost-effective.

Paypal remittance

Paillard

Much like Alipay in China, the difference is that it supports international transfer and remittance. More than 90% global multinational sellers and more than 85% buyers recognize and are using PayPal electronic payment service for international remittance.

Advantages: Safe and efficient, suitable for large-sum transfer or trade transactions.

Disadvantages: Both parties need to have a Paypal account.

◆ Method: Bind an international dual-currency credit card-a credit card that can spend RMB and USD, and use it after authentication.