The arrival time and cost of remittance methods are different, so you can choose according to your own requirements. From the perspective of risk prevention and control, telegraphic transfer and traveler's checks are the best choices for overseas remittance: if you have an account abroad, telegraphic transfer is the most convenient and safe. T/T is the most common and widely used remittance method at present. It is necessary to pay foreign currency funds to overseas institutions or individuals. If you know the bank and account number of the payee, you can choose T/T. The general arrival time is 3-4 working days. Bank of China's current expenses include remittance fee of 0. 1%, telecommunication fee of 150 yuan (80 yuan, Hong Kong and Macao), and minimum remittance fee of 50 yuan. Policy guidelines for overseas remittance management of domestic individuals (subject to the latest regulations of the State Administration of Foreign Exchange in case of any adjustment):
(1) If foreign currency cash is used for overseas remittance, and the accumulated equivalent value on the remittance day is less than US$ 654.38+US$ 00,000 (inclusive), it shall be handled directly with my valid identity certificate;
If the amount exceeds the above amount, the authenticity of the transaction amount under the current account+the Declaration Form for Luggage and Articles of Inbound Passengers of People's Republic of China (PRC) and China Customs signed by the Customs or the authenticity of the transaction amount under the current account shall prevail.
Voucher+foreign currency cash withdrawal voucher of my original bank ".
(two) the remittance of foreign exchange deposits (including bill holders and remittance holders) in overseas foreign exchange savings accounts, with the cumulative equivalent of less than 50 thousand dollars (inclusive) on the same day, by myself.
Directly handle valid identity documents; If it exceeds the above amount, it shall be handled with the authenticity certificate of the transaction amount under the current account.
At present, when mainland residents remit money to Hong Kong, if the Hong Kong dollars or US dollars in their hands belong to cash accounts, they have to pay 3% in cash to the cash accounts. If they use RMB to purchase foreign exchange and then remit money, they can be exempted from this fee. According to the current foreign exchange policy of the country, at present, the maximum amount of overseas funds for mainland individuals is $50,000 per year. In the concept of the Hong Kong stock through train scheme, the scale of residents' investment in Hong Kong stocks will not be capped, but it may be in the Hong Kong stock through train.
There is an upper limit on the total amount of funds. Withdrawal from securities companies: If customers need to withdraw money from securities accounts, they must fill in the "Withdrawal Prompt" form of our company and fax it to our company. The securities company is checking the customer's signature.
After that, we will arrange to deposit the money into the bank account designated by the customer as soon as possible. Under normal circumstances, if the withdrawal tip is delivered or faxed to the securities company before noon in 12, it can be processed on the same day and received in two or three working days.
The handling fee for remittance from Hongkong to the Mainland is generally around 200 yuan. According to the bank's new regulations in February this year, if the foreign currency remitted to a domestic account at one time is more than 2,000 US dollars, the payee must bring his ID card and
Bank card to the bank, fill in a foreign-related income declaration form, the bank will submit it to the State Administration of Foreign Exchange for declaration. China implements foreign exchange control, and every foreign exchange import and export business must have relevant documents. When foreign exchange income occurs,
Fill in the Declaration Form of Foreign-related Income, and the bank will declare the details of this foreign exchange income to the foreign exchange administration department on its behalf, so as to achieve the purpose of foreign exchange supervision. Special note: People who frequently travel between Hong Kong and the Mainland for the convenience of investment and withdrawal.
You can have a "one-card" issued by China Merchants Bank Hong Kong Branch, and you can have both Hong Kong and Chinese mainland China Merchants Bank accounts. It is convenient to remit money from Hong Kong to mainland accounts, and the handling fee is more favorable than ordinary wire transfer. Can be found in.
China mainland can withdraw deposits from Hong Kong accounts, and Hong Kong and Macao can also withdraw deposits from China mainland accounts. Funds can be mobilized at will, both inside and outside China.