If foreign exchange trading has been opened in your area, you need to open a current multi-currency account (smart card), a wealth management gold card or an E-Times card (multi-currency) to deposit the foreign currency operated by our bank. In this way, you can buy and sell this account at the designated foreign exchange trading outlets in the place where you open the account. Credit cards, debit cards and international cards cannot be operated.
If you want to conduct foreign exchange transactions through telephone banking or online banking, you need to apply for registration of telephone banking or online banking respectively. To buy and sell foreign exchange through online banking, you need to apply for the Peony Link card corresponding to the current all-in-one card and register the card in online banking before you can operate it. If your area has issued the Peony Link Card for e times or you have a wealth management gold card, you can also directly deposit foreign currency into this card and use this card to register online banking for foreign exchange transactions. Regarding the related operation of telephone banking, as the telephone banking system in different regions is slightly different, please consult the local 95588 directly for details. There is no handling fee for foreign exchange transactions. As the foreign exchange spreads in different regions are slightly different, please consult the local 95588 directly for details.
If the paper gold you are referring to is RMB paper gold, you must first open a gold account, specify the fund account for gold trading, establish the corresponding relationship between the gold account and the fund account, and comply with certain trading regulations. The designation method is as follows: Please log in to personal online banking, select Online Gold-Gold Account Management-Apply for Gold Account, and then select the registered financial gold card, smart card or E-Times card to apply.
The trading rules are:
Buying and selling gold online, the purchased gold is kept by the bank, but the physical gold cannot be extracted, and the funds can be recovered by selling it at the market price or the entrusted price. When buying gold, spend money from the capital account and buy gold from the gold account. When purchasing, check whether the available balance in the fund account guarantees the payment of gold purchase funds; When selling gold, a certain number of gold varieties are sold from the gold account, and the fund account will receive corresponding funds. When selling, check whether the gold account has the quantity of the corresponding variety of gold.
The trading spread is: 300 points on both sides of the US dollar; Rmb bilateral 80 points.