A person can buy foreign exchange at will within $50,000 a year. After purchasing foreign exchange, he can pay foreign currency to overseas individuals and companies, and there is no restriction on the payee when paying foreign currency. If there is foreign currency in the account, you can pay the foreign exchange directly, and there is no restriction.
Supplementary information:
Personal overseas remittance business. Most banks have them.
But if you want to find a bigger one, of course, savings offices, branches, sub-branches and other business outlets have not opened this business, you just have to go to the counters of local branches and head offices to handle it.
Of course, China banks are more mature and perfect in foreign exchange business. Bring your personal ID card and remittance account number to the business outlets. You can buy foreign exchange at the counter.
Extended data:
1. Remittance postscript is optional, only English and Arabic numerals can be filled in, and the content is not limited, and the remittance purpose can be filled in. If you use wire transfer, you need to go to the bank outlet to ask for wire transfer voucher (remittance voucher used by individuals to remit money to the company account). T/T voucher has a postscript column (used by some banks). Please note that the remittance postscript cannot be filled in Chinese, and the receiving bank does not provide translation service. Different from the transaction postscript, the transaction postscript is a description used to reflect the actual use of remittance and has the function of assisting in the declaration of international payments. Overseas payee can't know, so it must be filled out in Chinese characters. Fill in according to the principle of seeking truth from facts. Remittance postscript is just a "note" to the payee, which can play a role in transmitting information when the telephone or network is not good. Remittance for outbound tourists, it also has a special charm to express their thoughts about their loved ones with remittance postscript.
Extended data:
2. How long does it take for the overseas remittance to arrive: China Merchants Bank: If the user sends money overseas at China Merchants Bank, it will take about three to five working days to arrive, depending on the processing time of the overseas bank; China Construction Bank: When users send money abroad through CCB, they need to go through the counters of both parties, and it usually takes 1 to 3 working days to get the account; Agricultural bank of China: users can remit money overseas through agricultural bank of China, and it will take two to five working days to get the account; Bank of Communications: If users remit money overseas through Bank of Communications, it will arrive in two to five working days. Overseas remittance means that users remit money to overseas bank accounts through domestic banks, and it takes a long time for overseas remittance, because both banks need to review the materials of the sender and the payee, and the remittance operation can only be carried out after the approval. When handling overseas remittance, users need to provide information of the remitter and the payee, including Chinese and English names and bank account numbers of both parties. China merchants bank app Android version number: v9.4. 1, and apple version number: v9.3.0; ; The apple version number of China Agricultural Bank is v6.3. 1, and the Android version number is v6.6. 1.
3. What is the limit of overseas remittance? Generally, it is $654.38+082,500. The maximum amount of foreign exchange purchased by domestic individuals with ID cards is 50,000 US dollars per year, and the maximum amount of foreign exchange remitted abroad is 50,000 US dollars per day. In other words, if the foreign currency in your foreign exchange account exceeds $50,000, you only need to remit no more than $50,000 every day. If there is a limit, it is 5x365 =18.25 million USD.