China Construction Bank can handle overseas foreign exchange remittance business. Every bank can, but there are restrictions. Just remit money at the counter. The cost of each bank is different. If you are a contracted customer of China Construction Bank's online banking, and the account opening bank of the transfer-out account has the authority of overseas remittance, you can handle it through the menu of "Transfer Remittance-Overseas Foreign Exchange Remittance-Foreign Exchange Remittance" of personal online banking. All foreign currency cash funds and RMB should be deposited in the transfer-out account (because the overseas remittance fee of online banking will be charged in RMB). In addition, it can also be handled through the designated counter. The specific currency of overseas foreign exchange remittance shall be subject to the actual operation. Reminder: The contracted customers of Shenzhen Branch's mobile banking can also handle overseas foreign exchange remittance business through the "Home Page-Transfer-Overseas Foreign Exchange Remittance" of mobile banking.

Individual customers need to fill in an application form when purchasing foreign exchange. The application form clearly states that "when purchasing foreign exchange, domestic individuals shall not use it for capital projects that have not yet been opened, such as overseas house purchase, securities investment, life insurance, dividend insurance for return on investment, etc. Violators will be put on the watch list. During the observation period, banks may not handle the foreign exchange settlement and sale business of electronic banking for individuals on the observation list. When handling the foreign exchange settlement and sale business through the counter, it should be compared with the requirements for foreign exchange settlement and sale exceeding the annual total, and it is necessary to verify the authenticity of the current account and approve the capital account if necessary.

The attention period of the "attention list" is 2 years. For example, if you plan to buy a house in Europe, you are limited by the domestic annual foreign exchange purchase limit of 50,000 US dollars. Therefore, asking relatives for help and exchanging foreign exchange in batches may constitute a split transaction of individual foreign exchange purchase. If it is estimated that the total foreign exchange in 90 days will exceed 200,000 US dollars, it will be included in the "attention list". In other words, when I was waiting for my parents' money, eating hot pot and singing, and preparing to start a new life in Europe, I suddenly found that the money could not pass, and your family might be blacklisted, so I must remember that overseas remittances should not exceed. In the future, the foreign exchange bureau will continue to strengthen the spot check and inspection of individual foreign exchange purchase and payment declarations, and increase the frequency of monitoring, analyzing, screening and auditing individual declaration information and transaction data. Punish individuals and banks for false declaration, foreign exchange fraud, money laundering, illegal use and illegal transfer of foreign exchange funds, and increase illegal costs. Violation of the "watch list" will be included in the personal credit record. For those suspected of money laundering, the anti-money laundering department will conduct an anti-money laundering investigation; Anyone suspected of committing a crime shall be handed over to the judicial department for legal responsibility.