1. To have a foreign exchange account in China, some banks need special applications, and some banks have the function of one account with multiple currencies.

2. Ask the bank for the overseas remittance route map, including the overseas account information of domestic banks, remittance routes in various currencies, intermediary bank information, payee information and domestic bank information.

3. Fill in the contents required by the road map and provide them to overseas remitters.

The remitter gives the road map to the foreign bank and pays the handling fee according to the requirements of that bank. Different countries and banks charge different fees.

5. The payee receives the remittance. Note: Different domestic banks have different collection time. Recommendation: China Merchants Bank card can be received within 3 working days, excluding weekends and holidays. Because China Merchants Bank has joined the organization of international banks, it is very fast. If the intermediary bank is in Hong Kong, the handling fee will be deducted.

If you don't have a special bank account and are in a hurry to get the account in real time, you can choose the second way.

The second way: Agricultural Bank of China Western Union remittance business.

Agricultural Bank of China is the agent bank of Western Union International Remittance Bank in China. Western Union International Remittance (Hong Kong) Bank (hereinafter referred to as "Western Union Bank") is a subsidiary of American First Data Group Corporation, which specializes in remittance and remittance-related business. The main customers it serves are emergency remittance customers. It has established more than 90,000 remittance service outlets in 65,438+087 countries. On this basis, no matter whether the payee opens an account in a bank or not, Western Union can guarantee that the remittance will reach the payee within a few minutes. It belongs to personal remittance business.

The main features are:

1, real-time communication;

2. Payment can be made anywhere. In the absence of a designated remittance bank, you can withdraw money from any agency of Western Union Bank.

3. The remittance amount is equal to the remittance amount, and there is no intermediate bank deduction;

4. No remittance fee;

5. You don't need to open a bank account.

Real-time remittance is the inevitable trend of remittance business development.

China Agricultural Bank is the first bank in China to send money to Western Union. China Agricultural Bank and Western Union jointly launched this real-time remittance service with the aim of "providing maximum convenience for customers" to meet customers' strong demand for quick remittance. This remittance service has the following advantages:

The remittance procedure can be completed in a few minutes. Western Union uses the most advanced electronic technology and unique global computer network to timely process remittances from 186 countries.

While handling remittance, customers can directly enjoy other financial services provided by ABC, and deposit, transfer, remittance, exchange and wealth management can be completed at the counter.

Western Union adopts the same price of banknotes and remittances, which avoids the losses caused by the remitter in the process of transferring banknotes and remittances, and implements regular preferential treatment for remittance business between Western Union and the United States.

Western Union has agents in 186 countries around the world, so it is convenient to remit money or withdraw money almost all over the world.

Every remittance is guaranteed by electronic security systems, which has both a "monitoring password" and an optional password for verification, so that all remittances can be safely delivered to the designated payee at the first time.

method of remittance

1. Go to the Western Union Remittance Branch of Agricultural Bank of China and fill out the remittance slip;

2. Submit the completed form and payment to the operator, and remember the receipt and "Monitoring Password" (MTCN);

3. Monitoring password (MTCN) to inform the payee that the procedures have been completed and the remittance has been remitted;

Within a few minutes, the payee designated by the remitter can receive the remittance at any Western Union institution in the world.

Withdrawal method

1. Confirm that the remittance procedure has been completed: the remitter shall inform the payee that the money has been remitted and the amount;

2. After receiving the notification from the remitter, the payee can go to the nearest Western Union remittance agency outlet of Agricultural Bank of China, show his identity certificate and fill in the withdrawal slip, clearly indicating the remitter's name, remittance place and monitoring password (MTCN);

3. After the Western Union of Agricultural Bank of China verifies the remittance information through the computer network, the payee can get the money.