Then obtain the payee's account number, account name, payee's bank name and bank code. You can complete the remittance according to the steps.
It is recommended that you use CCB to remit money directly. As long as the remittance is made to the account of Bank of America, if the remittance amount is less than or equal to $2,000, the bank will not charge any remittance fee.
If you have RMB in your hand, you only need to convert it into US dollars according to the selling price provided by the bank, and you don't need to pay other fees.
Direct remittance is a special business of cooperation between China Construction Bank and Bank of America, so you can't enjoy this discount when you go to other banks, so you need to pay a handling fee to the bank.
At present, the online banking of China Construction Bank does not support personal foreign exchange purchase and overseas remittance business, and it needs to be handled at the nearest bank outlet that can handle overseas remittance business.
When remitting money, you only need to provide the remitter's name, account number, bank name and SWIFT code of the bank. Under normal circumstances, the other party will receive the money you remitted the next day.
CCB's personal online banking overseas foreign exchange remittance can handle foreign exchange remittance transactions in overseas accounts, and its transfer-out accounts can only be online banking contracted accounts and foreign currency cash accounts, and the collection accounts can be individual or company accounts. When the funds in the foreign exchange savings account are remitted abroad, if the single amount or the accumulated amount of the day is less than USD 50,000 (inclusive), it can be handled through CCB's personal online banking. The cash account may not directly handle overseas remittance, but should first handle "cash trading" and convert it into a cash account before handling it. At present, bills and remittances cannot be settled through CCB's personal online banking. Remittance fee: 0. 1%, ranging from 50 yuan to 1000 yuan, and from 20 yuan to 300 yuan for individual customers.
After remittance, you can ask for a refund if you change your plan. If the remittance is telegraphic transfer, the remittance can be returned with the ID card, remittance receipt and charging voucher before the money is credited to the payee's account.
If the money has been credited to the payee's account, the remittance can only be refunded after obtaining the consent of the payee. If it is bill remittance, please bring your ID card, original bill of exchange, remittance receipt and charging voucher, and you can go through the remittance refund formalities.
Matters needing attention in filling out the form
① In order to ensure that the payee receives the payment in time, please ensure that the remittance information is accurate. It is suggested that the first remittance should be handled at the counter of our bank;
(2) Except for remittance to Hongkong, Macau and Taiwan Province, other items must be filled in English;
(3) When handling bill remittance, please ensure that the payee has an overseas institution of China Bank, otherwise it may be necessary to collect money through other local banks; ? (4) Keep good contact information to facilitate timely contact when there is a problem with remittance.
Overseas remittance information provided by the bank
1. Handling fee is 50 yuan, with the lowest postal fee 150, and there is no upper limit, depending on the remittance amount.
2. An application for remittance and an ID card (***2 yuan);
3. The handling fee for foreign currency exchange is 2 yuan.
4. Need to know the bank name, address, payee name and account number of the other party. In addition, if there are more remittance banks, there may be additional post and telecommunications fees in the future.
Supplement: It is easy to collect foreign exchange. Open a personal settlement account and tell the other party your English address, account number, bank name, etc. (generally provided by the bank), it will arrive in 3-5 days (excluding holidays).
About the handling fee:
If CCB uses online banking for overseas remittance, what does CCB give? The discount is 50% off the handling fee of 1 10,000 USD on the same day;
When using the online banking of China Construction Bank to handle overseas remittance, it should be noted that the general banking system handles overseas remittance at 9: 00 16: 00 from Monday to Friday. Therefore, if the instructions are submitted within the above time, the transfer processing will be faster. If the remittance instruction is sent at the weekend, there may be a delay.
Cross-border remittance quota of CCB:
According to the national foreign exchange management policy, the remittance of foreign exchange from domestic personal current account expenditures abroad shall be handled in accordance with the following provisions:
If the accumulated foreign exchange in the foreign exchange savings account of CCB is less than USD 50,000 (inclusive) on the same day, it shall be handled at the bank with my valid identity certificate; If it exceeds the above amount, it shall be handled with the authenticity certificate of the transaction amount under the current account.
Hand-held foreign currency cash with a cumulative equivalent of less than $654.38 million on the remittance day shall be handled at the bank with my valid identity certificate; If the amount exceeds the above amount, it shall be handled by the authenticity certificate of the transaction amount under the current account, the Declaration Form for Luggage and Articles of Inbound Passengers in People's Republic of China (PRC) and China Customs signed by the customs, or the foreign currency cash withdrawal certificate of my original bank.