Method 1: telegraphic transfer
Service brief introduction
As long as you open a current multi-currency account in ICBC (such as wealth management account, peony smart card e-era, current all-in-one account, etc.). ), you can accept overseas wire transfer remittance. As a member of the international swift clearing organization, China Industrial and Commercial Bank provides you with multi-currency and fast personal overseas remittance services by using advanced bank foreign exchange remittance and fund settlement system, strong domestic and overseas service network and correspondent bank resources.
service function
1, multi-currency and multi-region: through our bank, you can receive overseas remittances in freely convertible currencies from different countries or regions (Hong Kong, Macao and Taiwan) in the world (subject to the daily quotation currency published by our bank); However, the currency in which banks can operate foreign currency savings deposits can be recorded in the original currency, and the convertible currency in non-deposit currency can only be recorded after you provide the proof of foreign exchange settlement stipulated by the State Administration of Foreign Exchange.
2. Affordable: We don't charge any fees for receiving overseas remittances.
3. Easy entry: As long as you provide our current multi-currency account (such as current all-in-one account, wealth management account and E-era smart card) as the collection account, we will automatically enter the account for you after the money arrives, without you going in person.
4. Fast remittance speed and timely entry: Before you receive overseas remittance, we will provide you with detailed overseas remittance route guidance, and you can provide it to your overseas remitter and ask him to remit money to you in the simplest, most economical and fastest way according to the guidance.
5. Providing personal foreign exchange pre-settlement remittance service: the remitter only needs to remit money to the domestic ICBC institution at the overseas institution where the bank provides this service, and the remitter can remit foreign currency abroad, and the payee can receive RMB in China. The exchange rate is calculated according to the exchange rate on the remittance day, effectively avoiding exchange rate risks (see Mode 2, Pre-settlement of foreign exchange for details).
Service channel
1. The remitter can remit money to our bank through banks in various countries and regions in the world, and the payee can conveniently check the balance change of the collection account through the counter, telephone banking or online banking.
2. The remitter can handle the personal foreign exchange pre-settlement and remittance business of Singapore dollar, Japanese yen, US dollar, Euro, Hong Kong dollar and British pound through Singapore Branch, Tokyo Branch, Seoul (Busan) Branch, Luxemburg Branch, Macau Branch, Industrial and Commercial Bank of China (Asia) and China Industrial and Commercial Bank (London), so as to realize the remittance of the remitter's foreign currency and the payee's receipt in RMB. The exchange rate is calculated according to the exchange rate on the remittance date.
☆ Operation guide
1. When an overseas institution or individual remits money to you or your domestic deposit account in our bank from abroad, please provide the remittance direction in the corresponding currency of our bank (please call 95588 for the specific remittance direction) and relevant information about you as the payee to the overseas remitter in advance. The main information includes: payee's name (that is, the name of your certificate is the same as that of Mandarin Hanyu Pinyin, or the name of your account is the same as that of Mandarin Hanyu Pinyin), our complete current multi-currency account number (or card number), payee's full name (that is, our bank), payee's swift code (that is, our bank), payee's contact telephone number and mailing address (that is, please consult the customer service hotline of the local branch for details).
2. Prompt the remitter to send money to an overseas bank, and fill in the remittance application form according to the remittance route guide of our bank and the payee information prompted by you. If the remitter is not sure how to fill in the remittance application form, he can prompt the remitter to show our remittance guide to the remitter's staff for assistance when handling remittance in an overseas bank.
3. If you, as the payee, do not open a foreign currency savings account with our bank in advance, but want to remit the money to our bank, it is suggested that you open a current multi-currency account with our bank in advance to ensure that the money can arrive in time and smoothly.
☆ Tips-Frequently Asked Questions on Overseas Remittance
1. What are the conditions for receiving overseas remittances?
A: You only need to open a current multi-currency account of our bank (such as wealth management account, peony smart card e-era, current all-in-one account, etc.). ) and inform the overseas remitter of your relevant information according to the Guidelines for Overseas Remittance of Industrial and Commercial Bank of China, so that you can receive overseas remittances.
2. How to use the route guide?
A: China Industrial and Commercial Bank's guidelines for overseas remittance vary according to the remittance currency. "Route guidance" is only related to remittance currency, not to remittance source country. That is, if the remitter remits money to you in US dollars from the UK, you should choose "US Dollar Remittance Guide" instead of "British Pound Remittance Guide" when using and selecting remittance guides.
3. Can I remit RMB directly from abroad to China?
A: No, unless you hold foreign currency, you can handle personal foreign exchange pre-settlement at ICBC overseas branches to ensure that the payee can receive RMB directly.
Why hasn't your remittance arrived yet?
Answer: Please confirm with the remitter whether the payee information provided during remittance is correct, whether the payee account is a current multi-currency account, and whether the payee name matches the payee account name; If the above information is correct, you can check with the remittance bank through the remitter.
5. Why did you receive less money than you remitted?
A: If the remitting bank and our bank open accounts with each other, we can generally remit the money in full to our bank. However, if the remittance bank has no account relationship with our bank, it is necessary to transfer the remittance money to our bank through another bank or banks. Every remittance bank will deduct a remittance fee from the remittance amount when doing remittance business. Therefore, the remittance amount you received may be less than the original remittance amount.
6. Can ICBC accept Swedish krona remitted from abroad?
A: Yes, but since the Swedish krona is not the currency of our savings deposit, we need to inform you to bring your ID card, that is, the materials needed for foreign exchange settlement, to the designated outlets after receiving the money, and then you can enter the account according to the regulations of the State Administration of Foreign Exchange.
7. Can remittance to ICBC only be processed at ICBC overseas branches?
A: No. You can choose any bank in the world to remit money to the account opened in ICBC, but if you handle personal foreign exchange pre-settlement, you can only handle it in our overseas branches.
Method 2: Individuals settle foreign exchange in advance.
Service brief introduction
Personal foreign exchange pre-settlement remittance business belongs to a special remittance situation of "wire transfer remittance", which means that the remitter can directly convert the remitted foreign currency funds into RMB and remit them to the payee in RMB according to the foreign exchange rate specified by ICBC's pre-settlement remittance on that day.
service function
1. The money remitted by the remitter himself is in foreign currency, and the payee borrows RMB.
2. The payee of this business has accounts in branches of Industrial and Commercial Bank of China in all provinces and cities in China, and can receive overseas RMB remittance at the first time. It not only locks the exchange rate risk of the payee, but also avoids the trouble of the payee going to the bank counter for settlement, further improving the speed of remittance arrival.
3. Overseas remitters can handle the pre-settlement business of individual foreign exchange remittances in Singapore dollar, Japanese yen, US dollar, Euro, Hong Kong dollar and British pound through China Industrial and Commercial Bank of China Singapore Branch, Tokyo Branch, Seoul Branch, Luxemburg Branch, Macau Branch, China Industrial and Commercial Bank of China (Asia) and China Industrial and Commercial Bank of China (London).
Service channel
Remittance can be handled through Singapore Branch, Tokyo Branch, Seoul Branch (Busan), Luxemburg Branch, Macau Branch, China Industrial and Commercial Bank of China (Asia) and China Industrial and Commercial Bank of China (London) for personal foreign exchange pre-settlement and remittance.
☆ Operation guide
1. When handling personal foreign exchange pre-settlement business, overseas remitters must bring the remitted foreign currency funds to the business hall of our overseas branch.
2. When handling personal foreign exchange pre-settlement and remittance business, the overseas remitter shall determine the foreign exchange remittance exchange rate, provide the payee's name (that is, Putonghua Hanyu Pinyin consistent with your certificate name or Putonghua Hanyu Pinyin consistent with your account name), ID number, our complete current multi-currency account number (or card number), the full name of the payee bank (ICBC domestic branch), and fill in the relevant remittance application.
3. The remitter shall declare the relevant balance of payments.
4. When the domestic receiving bank (ICBC domestic branch) cancels the payment, it will directly handle the account entry formalities for you with the settled RMB amount.
☆ prompt
1. Customer restriction of pre-settlement remittance: the remitter of pre-settlement remittance is an overseas individual, including resident individual and non-resident individual, and the payee is a domestic resident individual.
2. Business scope of pre-settlement: Bank pre-settlement can only handle foreign exchange remittance under personal current account, but not under capital account. ?
3. Remittance limit for pre-settlement of foreign exchange: strictly abide by the regulations of the state on foreign exchange management, and the limit for a single remittance for pre-settlement of foreign exchange shall not exceed the equivalent of 50,000 US dollars (inclusive) for the time being. Among them, overseas banks can directly handle remittances with the equivalent value of 6.5438+0 million dollars or less; For remittances with the equivalent value of US$ 65,438+US$ 0,000 to US$ 50,000 (inclusive), overseas banks need to review the identity certificate and source certificate of funds of the remitter, and keep copies of the identity certificate and source certificate of funds for future reference.
Mode 3: Personal Foreign Currency Bill Collection
Service brief introduction
It is the entrusted collection business of personal foreign currency checks, money orders and some traveler's checks handled by banks for customers.
service function
1. Our bank mainly handles the collection of personal foreign currency bills in USD, HKD and EUR, while personal foreign currency bills in other currencies are handled by branches. For details, please call the local 95588 artificial seat.
2. The bill collection time is about 45-60 days.
Service channel
Our designated business outlets.
☆ Operation guide
1. Generally speaking, the bill is valid for half a year. After you receive the bill, please pick it up at the branch designated by our bank as soon as possible. The issuing date of the collection document cannot exceed 4 months 15 days from the date when the customer comes to handle the collection.
2. The bill payee should hold his valid identity document (ID card, household registration book, military officer's card or passport) to collect it.
3. Fill in the Power of Attorney for Bill Collection of China Industrial and Commercial Bank, indicating the bill type, bill number, date of issue, currency, amount, customer name, address, contact number and certificate number.
You sign (endorse) on the back of the bill. In order to ensure the success of your collection, the customer's endorsement signature should be exactly the same as the payee on the front of the bill.
A warm reminder.
1. Our bank does not accept the following personal foreign currency bills: time draft, U.S. postal draft, government check and financial check (also called treasury check) issued by the U.S. Treasury Department, personal check without drawer's signature, altered or smeared bills, expired bills and dollar bills paid by non-U.S. banks.
2. The handling fee deducted by foreign correspondent banks due to refund shall be borne by you and deducted from the collection amount by our bank.
Generally speaking, the validity of foreign currency bills is limited. Please come to our bank for collection as soon as you get the bill.
4. Traveler's checks that are inconsistent with the initial signing, and there are no blank traveler's checks initially signed, and the transferred traveler's checks can also be collected.
5. Collection funds of foreign currency bills belong to cash funds. If the funds are recovered, they can be deposited into the account in cash or settled at the cash price.
6. Charge standard:
(1) A handling fee is charged according to a certain percentage of the face value. Please call the local ICBC 95588 for specific standards.
(2) Foreign acquiring agents may also deduct their own handling fees, the specific amount is different, and you should also pay this part of the handling fee.
(3) You have to pay extra handling fee for the bad check returned by the correspondent bank.
Mode 4: foreign currency traveler's check exchange.
Service brief introduction
"Foreign currency traveler's check" is a fixed bill issued by a world-renowned financial institution with a good reputation. It is purchased by the holder and can be easily taken out of the country and cashed, or even directly replaced by cash consumption. We will provide you with the service of exchanging international traveler's checks and convert the relevant funds into RMB or foreign currency cash deposits.
service function
Convenient and fast: Traveler's checks with consistent initial signing and re-signing can be directly converted into RMB cash or cash deposits at designated business outlets of banks.
Variety: At present, the Bank can cash traveler's checks issued by many world-renowned traveler's check issuing companies, including VISA International, MASTER CARD International, American Express International and CITIBANK.
Service channel
Please consult the local 95588 customer service hotline before handling at the designated business outlets.
☆ Operation guide
1. You can handle this business in our bank with traveler's checks, valid identity documents and passports.
2. Re-signature: You should re-sign the traveler's check in person under the gaze of our counter staff. The countersignature and initial countersignature should be consistent.
3. Payment by our bank: Traveler's checks signed and recognized in the same way can be paid in RMB cash or converted into cash deposits directly at the designated business outlets of our bank.
☆ prompt
1. For traveler's checks that are not initialled by me, traveler's checks that are inconsistent with the initial countersignature, blank traveler's checks without the initial countersignature, and transferred traveler's checks, we will not pay them directly, but will only pay you after collecting personal foreign currency bills, and the money will be actually collected, which usually takes about 45-60 days. For personal foreign currency bill collection, please refer to Mode 3: Personal foreign currency bill collection.
2. We will charge a handling fee according to a certain proportion of the payment amount. Please call the local ICBC 95588 for specific standards.
Mode 5: Personal foreign exchange remittance
Service brief introduction
MoneyMoney business is a fast, simple, safe, reliable, free and convenient international remittance service provided by our bank in cooperation with MoneyGram, a world-famous remittance service company.
If you need to receive foreign currency funds remitted to you by overseas individuals as soon as possible, you can receive the money as soon as possible through the remittance service provided by our bank without opening an account with our bank.
service function
1, a wide range of remittance agencies: Qianke has more than 50,000 agency outlets in 150 countries and regions around the world. Overseas remitters can remit money to you through these outlets and pay through the outlets designated by the bank.
2. Fast remittance speed: With the help of our foreign currency fund settlement system and the global network and electronic technology of international MoneyPay company, during the normal business hours of our outlets, MoneyPay can guarantee that you will receive the money in our bank within about 65,438+00 minutes after the remitter remits the money. For customers who are in urgent need of money, MoneyGram is an excellent remittance method.
3. Remittance does not need to pay the handling fee: MoneyMoney's handling fee is only charged according to the corresponding grade of remittance amount when remittance, and the payee does not need to pay the handling fee again when remittance.
4. Full payment: After MoneyMoney remits, you will receive the remittance in full without intermediary bank charges, thus ensuring the full payment of the remittance.
5, the program is simple:
For the remitter: you don't need to choose a complicated remittance path, you don't need to know the bank where the payee opens an account and its account number, you just need to provide simple information such as the payee's name, and tell the payee the remittance business reference number and password immediately after remittance.
For the payee: you don't need to have a bank account, and you don't need to determine the specific withdrawal outlets. You can go through the payment formalities at any MoneyPay agent network with your ID card, remittance service reference number and password.
6. Safe and reliable: when withdrawing money, the payee pays with valid ID, business reference number and password. Check the multiple information of payment to guarantee your remittance funds. In addition, all information related to remittance is stored and processed electronically, and the transmission is controlled by MoneyPay system, which is highly secure.
Service channel
Please consult the local 95588 customer service hotline before handling at the designated business outlets.
☆ Operation guide
1. You need to bring your legal identification when you collect and pay at the designated outlet of our MoneyMoney business.
2. Fill in the withdrawal form, including the remittance business reference number and the name of the remitter; Name, address, street, city, postal code, contact number, etc. Payer's.
3. declare balance of payments.