Overseas remittance refers to cross-border remittance, which refers to the foreign exchange remittance business of individual online banking customers to the payee who opens an account in a bank outside the mainland within the prescribed limit. Cross-border remittance has both telecom fees and handling fees, which is time-consuming to operate.
Generally, cross-border remittance has the highest handling fee. 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.
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Precautions for cross-border remittance:
1, five or more different individuals remit foreign exchange to the same person or institution abroad after purchasing foreign exchange on the same day, every other day or for several consecutive days.
2. Individuals withdraw foreign currency cash close to the equivalent of 1 10,000 USD from the same foreign exchange savings account for more than 5 times within 7 days.
3. The same person transfers the deposits in his foreign exchange savings account to more than five immediate family members, etc.
It will be defined as individual split settlement and sale of foreign exchange, which is also commonly known as "ant moving", and all will be blacklisted. Offenders will have their foreign exchange quota of 65.438 billion US dollars cancelled for two years.
Moreover, since 20 16 65438+ 10/,the "personal foreign exchange business monitoring system" of China foreign exchange administration has been put into operation nationwide, and the foreign exchange administration has once again stressed that individuals should not evade quota and authenticity management by splitting and remitting foreign exchange business. If found, it will be given a risk warning by the bank for the first time, and will be included in the "attention list" management by the foreign exchange bureau for the second time.
Individuals who are listed in the "watch list" shall provide their valid identity documents, relevant certificates of transaction amount and other materials when handling personal foreign exchange settlement and sale business in the current year and for two consecutive years thereafter, and shall be strictly examined by the bank.
The relevant senior officials of the foreign exchange bureau made it clear that the "attention list" is not equal to the "blacklist". The reason why the "watch list" function is introduced to strictly control the individual's split purchase of foreign exchange is to prevent abnormal foreign exchange from flowing out through personal channels, thus attacking the black market and underground banks of foreign exchange, and on the other hand, it is also for the overall stability of China's economy.
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