First of all, you should look at the payment method stipulated in your CoE, and then look at the deadline. If you arrive in Australia before the deadline, take cash and check, open your own account there, and then transfer the money to the school.
1. I don't remember the handling fee for Australian dollar wire transfer. Please call the Bank of China. It seems to be 65438+ 0% of the remittance amount. Foreign banks receive overseas wire transfers, and the handling fee is about 10-20 Australian dollars.
You need to provide Australian bank name, BSB number, account number, Australian account name and SWIFT number, and the time is about 1 week, which is low risk.
2. Australian check, again, ask China Bank for handling fee. The payee writes the account name in Australia on the cheque. After the cheque is sent, it can be deposited in the account of the payee's bank, and the Australian bank is free of handling fees. It needs to be mailed, and it is better to send an international receipt letter, which is safer.
3. Credit card, take the domestic card, fill in the card number, cardholder's name and expiration date in the designated place, open the card-free payment, and send it to the school, and the school can deduct the money.
The disadvantages of this method are as follows:
1. If you can't pay online, you need to mail it. Schools can brush money. Others can also use your credit card to swipe money when they see these details. It is best not to disclose information such as card number.
2. Domestic credit cards, not Australian dollar accounts, have foreign currency conversion fees, and there are handling fees for spending abroad.
The advantage is that with the daughter card, your family can manage your expenses conveniently, and the money you spend abroad can be seen at home.
Western union remittance, immediately to Australia, the handling fee is high. Suitable for urgent need of cash.
The Australian bank will remit money and deposit RMB into its designated account in China, and the company will directly transfer Australian dollars to the Australian account.
Strictly speaking, this is not in line with the regulations, but as long as you find a reputable company, the risk is basically gone.
Bring cash. For the international wire transfer business of China Bank, other domestic banks need the third-party transfer, and the handling fee for international wire transfer of China Bank is 150 yuan +0.65438+ 0% of the remittance amount (the lowest 50 yuan and the highest 260 yuan).
Because the foreign exchange rate of banks changes every day, reasonable exchange of foreign exchange can reduce expenses. Choosing the right remittance method can also save money. Although telegraphic transfer arrives quickly, the handling fee is higher than remittance, so remittance can save money. If the campus undertakes credit card payment, even the remittance fee is saved. When choosing a credit card, try to choose a world card. Many commercial banks have launched the World Credit Card, covering more than 300 countries, with no handling fee for consumption, and providing a certain overdraft limit and interest-free period. Should be the first choice for studying abroad.
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