1. The maximum amount of foreign exchange purchased by domestic individuals with ID cards is $50,000 per year, and the maximum amount of foreign exchange remitted abroad is $50,000 per day.

2. The remittance purpose written by the remitter at the time of remittance should not be fictitious, but accurate.

3. The payee cannot be a financial company, such as an investment company, a securities company, a gold exchange, a futures exchange, an insurance company, etc.

4. The sender and address of overseas remittance must be detailed and accurate.

Overseas remittance:

Cross-border remittance Refers to the foreign exchange remittance business of individual online banking customers to the payee who opens an account in an overseas bank within the prescribed limit. Cross-border remittance has both telecom fees and handling fees, which is time-consuming to operate. As the handling fee for cross-border remittance generally has a maximum amount, it is suggested to increase the amount of a single remittance as much as possible within the maximum amount to reduce the number of remittances and save the telegraph fee for each remittance.

Overseas remittance form:

1. cash remittance form: when studying abroad, international students should bring a certain amount of foreign currency cash, which is mainly used for living expenses and small emergency expenses. The State Administration of Foreign Exchange has relevant regulations on the amount of foreign currency that can be carried at one time. Those who exceed the quota must apply for an exit permit to carry foreign currency and show it to the customs on their own initiative when leaving the country.

Foreign currency exit permits can be handled in banks, and the handling fee for each permit is about RMB 10 yuan. Carrying cash can be used for payment immediately, with low cost, but it is neither convenient nor safe. Once the cash is lost or stolen, it cannot be compensated. Therefore, in addition to carrying a small amount of cash, it is best to send large amounts of foreign currency by remittance.

2. Remittance form of foreign currency draft: If you study abroad for the first time, have no overseas account and carry a large amount of foreign currency funds, you can use foreign currency draft. Personal foreign currency bills can be issued in all foreign currency savings currencies opened by banks. Foreign currency bills are convenient and safe to carry and pay, and the handling fee is low, which can be reported and refunded.

3. Remittance form of traveler's checks: In Europe and America, traveler's checks are as widely used as cash, which can be used for shopping, catering and paying insurance premiums. Traveler's checks have the characteristics of cash and money orders, so they are flexible and convenient to use.

4. Credit card remittance form: All major domestic banks have launched international credit cards, or they have both RMB and specific foreign currency accounts, or special single foreign currency accounts, which can be used abroad. Some banks have also specially launched credit cards for international students, which can basically provide rich currency options for major countries and regions studying abroad.

Therefore, if you need to carry more foreign currency funds, you can consider depositing part of it into a credit card. However, it usually takes some time to apply for a credit card, so you should apply in advance.