Method 1: The cheapest bill transfer is the most troublesome procedure. Advantages: The cheapest bill transfer is the cheapest overseas remittance at present. Remittance only needs the name and contact address of the payee, which is more suitable for students who have left the country for the first time and have not yet opened a bank account abroad. Disadvantages: you can't get the ticket on the same day if you lose it for several months. Once the ticket is lost, you need to go through the formalities of reporting the loss, and you can only refund the money after reporting the loss for several months. There is an upper limit, and only 0. 1% of the face value is charged as remittance fee, and there is an upper limit. For example, the handling fee of ICBC is RMB from 20 yuan to 300 yuan, but the maximum remittance amount is $20,000. If the remittance amount is $ 10000, just charge $ 10. In addition, overseas payment bills generally charge a certain collection fee, which is equivalent to several tens of RMB. Method 2: The difference between telegraphic transfers is large. Advantages: The procedure of telegraphic transfer business is simpler than that of money order. Just provide the payee's bank account, and the money can be directly credited to the payee's bank account. Disadvantages: the cost is more expensive. Wire transfer fee is more expensive than bill transfer, including three parts: fee+telecom fee+agency fee. At present, the charge standard of each bank is 0. 1%, but the limit of single charge is different. Single telecom fee for Agricultural Bank of China in 80 yuan, ICBC and BOC 150 yuan. If you wire $5,000 to the United States, it will cost about 285 yuan at ICBC and about 2 15 yuan at ABC. The disadvantage of SWIFT wire transfer is that you need to fill in the bank code, account name, branch code, address and other details in English. Once you fill in the wrong information, you will have to pay an extra fee around 200 yuan to send the correct information for successful remittance. Mode 3: Express remittance can be received immediately. Advantages: time is fast, and no intermediate fees are needed. If the remittance is made in US dollars, you can also use the express remittance service, which is not only fast in remittance time, but also free of telecommunication fees and agency fees. This kind of remittance only needs to provide simple information such as the payee's name, and the payee can pay at any agent network with his ID card, remittance service reference number and password provided by the sender. In terms of fees, MoneyMoney and Western Union are charged in stages (see table). If you remit $5,000, ICBC will charge $23 for MoneyMoney, which is about 156 yuan RMB. China Agricultural Bank charges 30 dollars for Western Union remittance, which is about 203 yuan, which is cheaper than telegraphic transfer. Disadvantages: Large remittance is difficult. However, if the remittance amount is large, exceeding $654.38+00,000, it cannot be realized through MoneyPay or Western Union remittance. Mode 4: VISA can save half of the advantages of small transfers: save more money for smaller remittances, and there is a more economical way, that is, Visa global transfer service. As for the handling fee, it is charged at 0.6% of the remittance amount, with a minimum of 60 yuan RMB per transaction, and no additional deduction is required. Take the remittance equivalent to $2,500 as an example. Cross-border SWIFT remittance through online banking in ICBC, the total handling fee is about 225 ~ 283 yuan. If ICBC transfers money, it will be equivalent to RMB about 156 yuan. If you use Agricultural Bank of China Western Union for remittance, it will cost about 204 yuan. Direct remittance through VISA global transfer can directly transfer the funds to the other party's card, and the cost is only about 102 yuan, which can save at least half the cost. Disadvantages: the single amount is too small. However, VISA Global Transfer Bill can only transfer $2,500 or equivalent foreign currency. Moreover, VISA requires the payee to hold a debit or credit card of VISA. If the remittance card is a credit card, a high withdrawal fee will be charged when withdrawing money. Method 5: Credit card consumption can be remitted without handling fee. Using dual-currency credit cards of domestic commercial banks can save remittance fees. As long as parents apply for international credit cards in the form of master cards and slave cards, their children can use the slave cards to spend money abroad, and parents can use the master cards to repay money in RMB at home. Not only can children make full use of the interest-free overdraft consumption of credit cards for up to 50 days, but parents can also monitor the use of funds through the reconciliation function. How to handle overseas remittance? Go to the designated branch of the bank with my valid ID card and foreign exchange savings account. If there is no foreign exchange savings, you need to purchase foreign exchange or transfer money first. If the annual foreign exchange purchase amount is less than USD 50,000 (inclusive) and the accumulated equivalent foreign exchange on the day of remittance abroad is less than USD 50,000 (inclusive), it can be handled directly in the bank. Ordinary remittance: This is the most commonly used remittance method. Its advantage is that the remittance amount is relatively large, and there is no restriction on the original remittance of cash account funds, and the cash account or cash remittance amount is within 50 thousand dollars. You can go directly to the bank by providing relevant supporting documents stipulated by the State Administration of Foreign Exchange. The ordinary remittance fee is charged at 1‰ of the remittance amount, with a minimum of RMB 20 and a maximum of 200 yuan RMB; The remittance of post and telecommunications fees to Hong Kong and Macao is within 50 yuan, within 80 yuan and outside Hong Kong and Macao. Cash remittance also charges cash conversion fee. Ordinary remittance usually takes 3 days to reach the other party's account. Compared with before the adjustment, the current ordinary remittance fee has been reduced. The original highest charging standard in 500 yuan was lowered to 300 yuan, and the post and telecommunications fees were adjusted from 80 yuan and 120 yuan to 50 yuan and 80 yuan. For large bills of exchange, you can save a lot of money, especially for customers with cash deposits. When filling out the money order, be sure to confirm the name of the other party and the account number of the foreign bank. Once the remittance is made, you need to modify the remittance information or refund the remittance. The bank will charge each 20 yuan modification fee or 50 yuan remittance refund and telecommunication fee. Western Union Remittance: As an international remittance, "Western Union Remittance" jointly implemented by Western Union Company and Agricultural Bank of China is a good remittance method. Most remittances to relatives, friends and international students abroad will choose this method. The maximum amount of Western Union remittance is $65,438+00,000 yuan. Remittances above $7,200 can only be processed after Western Union is authorized. The biggest feature of Western Union remittance is its fast remittance speed, many outlets, no need to open a bank account, no agency fee, and the same price of paper money and remittance. The regret of this remittance method is that the foreign currency that can be handled is limited to US dollars, and the remittance amount can only be up to US$ 65,438+0,000, and only person-to-person remittance is accepted. It is worth noting that the remittance fee is charged in US dollars. When handling Western Union remittance, customers should carry proof of identity and purpose, and remittance banks should review relevant documents. Jinsui International Debit Card: Now more and more citizens travel around the world with their bank cards. Jinsui International Debit Card promoted by Agricultural Bank of China is a universal bank card. 1 The main card can carry four sub-cards, which can realize fast remittance in different places. As long as you carry a supplementary card, you can withdraw money in consumption abroad, and the main card can also know the overseas consumption of the supplementary card through the statement. When withdrawing money from foreign ATMs, no matter how much money you withdraw, you have to pay a handling fee of $3 every time you withdraw money. In contrast, it is more cost-effective to spend abroad with Jinsui International Debit Card. It should be noted that there are two kinds of Jinsui debit cards: MasterCard (PMC) card and Everything Shun (PDC) card. MasterCard can be used offline, so there are many merchants who accept this card, and smooth things can only be used online, so the number of merchants and outlets accepted is very limited.

Bank of China, soon. Is there a Bank of China in your country? If not, are there any banks opened by China people?

I think it's convenient to get foreign exchange money back. A day or two at most. Western Union remittance is also good.

Why are you so depressed?