The customer's remittance has been remitted to the intermediate bank, and the active method is that the remittance bank contacts the intermediate bank for a refund. The passive method is to wait and may be returned. Cross-border remittances need to be traded through a proprietary system. Some banks may not join the system, so when transferring money, it is necessary to transfer the funds to the payee by means of transfer.

Literally, the bank to which the remittance is made does not have a direct current account, and it must be transferred through other banks. This transfer bank is called transfer bank. Notice of the State Administration of Foreign Exchange on Printing and Distributing the Detailed Rules for the Implementation of Statistical Declaration of Balance of Payments through Banks, the subject of foreign-related income declaration shall handle the payment declaration within 5 working days from the date of settlement by the remitting bank or the date of settlement-to-settlement. The receiving bank has an account number when changing jobs, but this account number does not need to be provided to customers. The customer only needs to tell the remitter the name of the receiving bank outlet, and indicate the words "XX remittance".