Remittance abroad, in some cases, does not use traditional methods, such as writing checks and transferring money (the other party does not have a bank account), and must use other methods. As for the choice of mode, it should be decided according to remittance destination (euro countries or non-euro countries, developed countries or developing countries) and remittance priority.

1, online payment by credit card

In principle, you can send euro checks in the euro zone, but other euro countries are not used to receiving checks, so the procedures are more complicated and require a certain handling fee. Usually, payment is made online by credit card, of course, through online secure payment system. Just fill in the 16 digits on the credit card and the last 3 digits of the confirmation code on the back of the card.

2. Bank remittance

If the payee has a bank account abroad, the easiest way is to transfer money through the bank (from your account to the payee's account). Bank transfer requires the International Bank Account Number (IBAN) to confirm the payee's account, and the LE Bank Identification Code (BIC) to confirm the bank where the account is located. If you know these two key information, remittance is easy and the cost is low. From May 1 2004, remittance to 10 EU countries by transfer, as long as it does not exceed 12500 euros, the cost is the same as domestic transfer. From June 65438+1 October1in 2006, the bottom line rose to 50000 euros, but it must be euros, not other currencies. If it is in other currencies, the bank will set its own charges, plus the exchange fee. You can't get the money immediately after the transfer, you have to wait 3-5 effective working days.

3. However, if the transfer is made to a country outside the EU, the fee is determined by the bank itself, and the bank confirmation code BIC and basic bank account number (BBAN) are required. Without these materials, banks may refuse to transfer money or help find these materials, but they must pay the cost of finding materials, which is 65,438+02.9 euros in credit lyonnais and 25 euros in the savings bank. In addition, the payee often has to pay local bank charges, which varies greatly in different countries. You can ask to pay all the fees in France, so that the payee doesn't have to pay any more.

4. Post Office International Remittance

International postal union

International remittance by post office is universal, but it is very slow. This method is a good way to remit money when bank transfer is not feasible. Post offices are spread all over the world 150 countries, which is the largest network in the world. You only need to go to any post office in France to fill in the international money order, and the international money order will be sent to the local post office you choose. You are responsible for notifying the payee and telling the payee to confirm the number so as to receive the remittance. The cost of international remittance varies according to the country to which the remittance is sent, and the time is relatively long. Generally, it takes 4 days in Europe and 10- 15 days in other regions.

Professional remittance company

The remittance service provided by professional remittance companies such as Western Union, TRAVELEX or MoneyPay is fast and convenient, which is faster than bank transfer and international remittance, and it only takes a few minutes to send money to the designated place. All you have to do is go to the remittance business department of the above company, fill out a special form, give it the remittance and pay the remittance fee. At the same time, you inform the payee to confirm the number, and the payee can withdraw money with this number and ID card without paying any fees. Of course, the remittance will be made so soon. Generally speaking, if the remittance amount is large, the cost is relatively low, otherwise the amount is small and the relative cost is high. No matter which country the remittance is sent to, the cost is the same. The advantage of Western Union is that it uses the French post office and its own remittance business department to handle remittance business, so its scope is larger than that of TRAVELEX or MoneyPay, which only has 35 remittance business departments to handle remittance business.