You can transfer money. Overseas virtual credit cards have the function of transfer and remittance, but some virtual credit cards don't, so first you need to determine whether your credit card can transfer and remit money (to other banks). Secondly, remittance abroad generally requires a foreign currency account or a multi-currency international credit card.
Can China Merchants Bank's VISA credit card transfer money abroad online?
All credit cards can't be transferred, only the transparent limit (such as 3000 yuan) can only be used for consumption, such as overseas online payment. Supported by China Merchants Bank. If your CMB credit card bears the logo of VISA, MASTERCARD, JCB or American Express, you can use it overseas (including Hong Kong, Macao and Taiwan) (including online payment).
Credit cards through international routes will be settled in US dollars in consumption abroad. If the consumption amount is not USD, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount. If the consumption amount is USD, no settlement fee will be charged.
Extended data:
At present, China Merchants Bank's credit card can provide three ways to transfer money, namely ATM transfer, cash advance by telephone and cash advance by online banking. The credit card that needs to handle business has a transaction password and a cash advance function. The expenses, interest and limit are the same as those of domestic RMB cash advance business, that is, within the cash advance limit, the daily cash advance amount of each card does not exceed 2,000 yuan, the handling fee is 1% of the transaction amount, and the minimum charge per transaction is 10 yuan; If you don't enjoy the interest-free repayment treatment, interest will be charged at the daily rate of 0.5 ‰ from the trading day to the settlement day, and compound interest on a monthly basis. (Supported currency: RMB)
1, Lenovo computer V 14 10th generation Core Windows 10 system, Baidu search China Merchants Bank, log in to official website, and click "Online Payment Function Application";
2. Lenovo computer V 14 tenth generation Core Windows 10 system, Baidu search China Merchants Bank, log in to official website, and click "VISA/MASTER verification service";
3. Lenovo computer V 14 tenth generation Core Windows 10 system, Baidu search China Merchants Bank, log in to official website, and open the payment function of VISA/MASTER verification service.
Overseas, you can choose the card swiping machine corresponding to the swiping route to swipe your card according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express, UnionPay).
UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies.
If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.
Overseas, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay) on the credit card, and there is no need to additionally open the card swiping function, and there will be no card swiping fee. UnionPay credit card, RMB settlement, RMB repayment; International credit card, dollar settlement, dollar repayment, or credit card purchase of foreign exchange repayment function. Warm reminder: Take the international route, and the consumption will be settled in US dollars (except all-currency credit cards). Therefore, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies (about 65438+ 0.5% of the transaction amount). No settlement fee will be charged if the UnionPay line is swiped or the consumption amount is USD. If you spend money by credit card overseas, it is recommended to choose UnionPay channel.
Can foreign bank cards be transferred to domestic bank cards?
Foreign bank cards can be converted into domestic bank cards, but there are certain conditions. First of all, you must open a U.S. dollar RMB universal deposit and withdrawal account in China Industrial and Commercial Bank, and transfer the U.S. dollar remittance to the U.S. dollar account of ICBC in China in the form of U.S. dollar remittance through the overseas China bank. The bank will charge a handling fee for the U.S. dollar remittance, so that you can withdraw the U.S. dollar cash through the domestic UnionPay ATM.
If you use Taobao in the United States, you can apply for a dual-currency (UnionPay VISA) credit card at China Merchants Bank, open a savings account, deposit some RMB in advance, and then set up a credit card for repayment, and automatically transfer money from the savings account.
Taobao's payment tool is Alipay, and China Merchants Bank's credit card supports Alipay transfer. At the same time, China Merchants VISA Credit Card can also be used for direct credit card consumption in the United States. Consumption in the United States is calculated by converting it into RMB at the foreign exchange rate of the day. On the day of repayment, the bank will automatically transfer the money from your savings account to your credit card. And you can also remit money directly to the savings account of China Merchants Bank.
How much can I transfer by credit card?
You can transfer 50000.
The transfer limit of China Merchants Bank mainly includes the following types:
1.ATM transfer, the daily transfer limit is 50,000 yuan. You can apply for withdrawal at the counter.
2. Online banking transfer, with a single limit of 30,000 yuan and a daily cumulative limit of 50,000 yuan.
3. Mobile banking SMS verification code transfer, the maximum daily limit is 200,000 yuan, and users can apply for face-brushing transfer to handle a large transfer of 200,000-1 million yuan.
The daily transfer limit of China Merchants Bank's mobile banking is divided into two situations:
1, e-bank transfer (i.e. original SMS verification code transfer): up to 1 10,000/transaction, 5 million/day.
2.UKEY verification code transfer: 500,000/day.
note:
1) Inter-bank real-time account arrival mode, with a maximum of 50,000 yuan per transaction;
2) If the transfer fails to be returned, it will also occupy the transfer limit of the day.
3) If an account is opened without an ID card (including temporary id card), the maximum amount of electronic bank transfer is 200,000/day.
There is no limit on the withdrawal amount of China Merchants Bank savings card at the counter, and large withdrawals need to be made in advance. The maximum amount of money withdrawn from the ATM is 20,000 RMB per day.
The cash advance limit of credit card is generally 50% of the credit limit (the cash advance limit of youth card is 100% of the credit limit).
① The cumulative maximum daily withdrawal amount of China UnionPay Road ATM per card is RMB 65,438+00,000; The cumulative cash advance for each overseas family shall not exceed the equivalent amount of $65,438+0000 per day, $5,000 per month and $65,438+00000 for six months.
(2) The maximum daily withdrawal limit of official financial card ATM is RMB 20,000 (the daily withdrawal limit of official financial card Wuhan and official financial card Ruziniu (Puka) is RMB 2000).
(3) The daily overdraft transfer limit of bill card includes the daily overdraft transfer amount of each card of Pocket Life, Mobile Banking (including PAD Bank) and Customer Service Telephone Voice System, with a cumulative amount not exceeding 5,000 yuan. Online banking (popular version, professional version) does not exceed 2000 yuan per card per day.
The credit card overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card.
I. Cash withdrawal from domestic and overseas credit cards
If there is a UnionPay logo on the domestic credit card, it means that the card has joined the China UnionPay organization, and the cardholder can withdraw cash from any ATM with the UnionPay logo.
Overseas, in addition to Hong Kong, Macao and Taiwan, there are still many countries whose UnionPay system has not been popularized, so most of them need to take the international card organization channel to withdraw cash overseas. It depends on whether you have an international card. An international card can be easily distinguished by looking at whether there are LOGO of credit card organizations such as Visa or Master besides UnionPay.
Second, credit card overdraft cash withdrawal
The overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.
Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.
Third, the credit card withdrawal method
Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by banks to help cardholders flexibly allocate funds when they are in urgent need.
Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
Can credit cards be repaid by overseas remittance?
Hello, our credit card can accept remittance in US dollars. Tips: 1. Please consult the remittance bank for the specific filling specifications of remittance application. If you have special requirements, please provide our remittance bank and ask its staff to fill out the relevant forms for you to avoid mistakes. 2. In this way, other banks will charge a certain fee, and you need to bear the cost. 3. Repayment method Due to the long transit time of inter-bank transactions, please try to remit money 3 working days in advance.
If you have any questions, please open the homepage of China Merchants Bank and click "Online Customer Service" in the upper right corner to enter the consultation.
Can China Bank Credit Card remit money abroad?
China Bank Credit Card does not support overseas remittance.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This concludes the introduction of whether there is a handling fee for overseas transfer of credit cards and overseas transfer of credit cards. I wonder if you have found the information you need?