1. Users need to have a foreign exchange account in China.

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 foreign remittance.

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.

When the payee receives the remittance, the collection time of different banks in China is different. China Merchants Bank's card can be received within 3 working days, but weekends, festivals and holidays are not included.