6? 1 client: individual customers
6? 1 Features of Western Union remittance service:
1.
Western Union remittance is real-time remittance. In nearly 200 countries around the world, regardless of whether the payee has opened an account in a bank, Western Union can guarantee that the money will reach the payee within a few minutes.
2. Safety
Every remittance of Western Union is placed under strict electronic security systems, with monitoring code and optional verification password to ensure the safety of fund receipt and payment.
convenient
Western Union can make remittance and withdrawal at any agent network of Western Union. Western Union's remittance outlets are all over the world 180 countries, with120,000 outlets in * *. Foreign agents include banks, post offices, foreign exchange points, railway stations and airports. In China, Agricultural Bank of China is the only agent for Western Union remittance, with agent outlets all over the country.
4. Quota extraction
There is no intermediate fee for Western Union remittance, which can guarantee that the remittance amount is equal to the remittance amount, and the payee receives the money in full. Remittances are only charged a one-time fee, and general remittances are exempt from transfer fees, intermediary bank fees and telegram fees.
5. Simple procedures
Western Union makes remittance through a unique electronic financial network. The payee does not need to open an account in the bank first, and can withdraw money with valid ID and withdrawal password.
6? 1 western union remittance service charges
Table of basic expenses of Western Union remittance (except African countries)
Unit: USD.
Principal cost
0.0 1 - 500 15.00
500.0 1 - 1000 20.00
1000.0 1 - 2000 25.00
2000.0 1 - 5000 30.00
5000.0 1 - 10000 40.00
Remarks: The principal exceeds 65,438+00,000 yuan, plus 20.00 yuan for each 500 yuan or part of 500 yuan.
Extra cost:
1, delivered at the address 13.00.
2. Telephone/Telegraph Notification 3.00
3. PS: The minimum consumption is 2.00.
10 is charged at 2.00, and every five words exceeding 10 are charged at 1.00.
6? 1 How to handle Western Union remittance business?
1. Remittance
① You can handle Western Union remittance at the counter of the branch that has started Western Union remittance business (see the list of branches that handle Western Union remittance).
② You need to fill in the remittance slip, pay the remittance amount and remittance handling fee to our bank, and provide the information needed for remittance.
③ Our bank will handle remittance after checking that the remittance slip, payment and remittance information meet the requirements.
2. Remittance: After receiving the remittance notice from the remitter, you can go to the nearby Agricultural Bank outlets that have started Western Union remittance and provide your valid identity certificate and withdrawal password before you can go through the withdrawal procedures. Questions and answers on Western Union remittance business
Since our bank started the agency "Western Union Remittance" business on October 30th, 65438/KLOC-0, the social response has been enthusiastic. In the past few days, there have been remittance or withdrawal events in eight branches of our bank. In just one day, I made six payments in Luohu Sub-branch, and in three days, I made several thousand yuan in the sales department of the Sub-branch. Customers generally report that Western Union remittance is faster and more convenient than ordinary personal remittance.
Secondly, the following are some issues that customers are concerned about:
1. What are the policy restrictions for residents to handle Western Union remittance?
According to the Interim Measures of the State Administration of Foreign Exchange on the Administration of Foreign Exchange for Domestic Residents, for remittance, residents can directly remit cash equivalent to less than US$ 6,543.8+0,000 or cash equivalent to less than US$ 2,000 to the bank. If the cash or cash exceeds the above amount, the examination and approval procedures shall be handled in accordance with the provisions of the foreign exchange bureau. For remittance, residents can directly go to the bank to handle a single remittance with the equivalent of less than 50 thousand dollars.
2. Western Union remittance has always been famous for its fast remittance. How fast?
Western Union remittance is real-time remittance. In nearly 200 countries around the world, regardless of whether the payee has opened an account in a bank, Western Union can guarantee that the money will reach the payee within a few minutes.
3. The payee can collect money in this way without opening an account in the bank before. Will the security be guaranteed?
The security of funds is definitely the first problem to be solved. Every remittance of Western Union is placed under strict electronic security systems. In addition, there are monitoring codes and optional verification passwords, which can ensure the safety of fund receipt and payment.
4. Will Western Union remittance be troublesome after the speed and safety can be guaranteed?
This is another advantage of Western Union, which can make remittance and withdrawal at any agent network of Western Union. Western Union has agents in more than 80 countries around the world and has120,000 outlets in * *. Foreign agents include banks, post offices, foreign exchange points, railway stations and airports. In China, China Agricultural Bank is the only agent bank for Western Union remittance, with agencies all over the country, and it is the largest commercial bank in China. Quitting the program is not very simple. The payee does not need to open an account first, and can withdraw money with the collection password and valid certificate.
In terms of business, Western Union and Agricultural Bank of China will definitely charge a service fee for launching this business, so is the fee high?
Western Union does not charge intermediate fees for remittance, which can ensure that the remittance amount is equal to the remittance amount, and ensure that the payee receives the remittance amount in full. Only one-time handling fee is charged for remittance, and bill transfer fee, intermediary bank fee and telegram fee are generally exempted for remittance. As the rate was lowered on June 20, 2002, the remittance fee was even cheaper than ordinary remittance.
I want to send money to my relatives abroad. What should I do?
You only need to bring your passbook or cash, and you can choose ordinary telegraphic transfer or Western Union remittance. If Western Union is selected,
Just go to the branch of our bank that has already started business and fill out the money order. Meanwhile, please inform the payee of your remittance information as soon as possible.
7. I have US dollars in cash. Do I need to cash it before I can remit it? Or if the foreign currency on hand is not US dollars, can I apply for Western Union remittance?
No, you can remit money directly. Moreover, we don't charge the transfer fee to ensure that the payee can receive it in full.
For the money. The foreign currency on hand is not dollars. We can make a personal firm foreign exchange transaction for you, set it in US dollars and remit it.
8. How do I receive money from people outside China?
After you get the remittance information of overseas relatives and friends, you can go to any branch of our bank to handle the remittance of Western Union.
Show your valid ID, fill in the receipt, and we will check the remittance information through the computer network immediately, and then you can get the money immediately.
9. Can I ask my friends or relatives to collect the remittance for me?
You can't. For the safety of your funds, we will not pay the money to anyone other than the payee. You need to collect it yourself, but you can ask the remitter to change the name of the payee. This service is free.
Third, the difference between Western Union postal money order and Western Union remittance:
Western Union postal money order and Western Union remittance are two different ways of international remittance.
(1) There is little difference between Western Union draft and ordinary bank draft. It is convenient to apply for online registration, and Western Union will mail the draft to the payee (Bidpay). Every bill of exchange has the problem of bank collection. Western Union and Agricultural Bank of China have joined hands to cash foreign exchange into bank accounts for at least three months. Therefore, you can also go to China Bank for collection when you get the Western Union draft. The longest time is 1 month. This is the freedom of the draft.
(2) Western Union remittance requires the sender to go to the western networking site, and the payee can only go to the western networking site for collection. If you don't want to leave it for a few months, you must withdraw foreign currency.
(3) Many online transactions do not advocate Western Union service, because Western Union has not reached a service agreement with them and there is no exchange of business data. Once there is a payment dispute, they can't find the data of Western Union. This is the same as adding "Master" or "Visa" to a credit card, which is actually a huge service agreement system.
(4) Western Union remittance, before the payee receives it normally, the remitter can modify the remittance information on his own side (for example, if the name is misspelled, he can't get the money by deliberately misspelling a letter or even changing it to lowercase), or directly apply for withdrawing the remitted money.
(5) I remember there is no charge for Western Union remittance. For details, please check the terms of service of Western Union at China Post Network or China Agricultural Bank.
(6) Buyers who really want to do business are willing to Western Union. You can accept payment in various ways. Western Union has the fastest remittance turnover. It takes more than a month to cash an international check!
(7) After signing the control number of Western Union, dial 8008208668 to inquire.
(8) Western Union has two major agents in China: China Post and Agricultural Bank.
(9) When withdrawing money, you need to provide:
(a) Your own identity card;
(b) Your own name (pinyin, consistent with that written by the sender);
(c) The name of the sender (sometimes the nationality and city you sent)
(d) money transfer control number (the remittance control number you were told).
Having provided the above information, if you bring RMB, you should pay attention to the foreign exchange selling price, and don't bring foreign paper money. You can get the money when you receive the remittance, and you have to go to the bank to get your draft when you receive the draft (1 month to get the money). For the payer, the cost of direct remittance is much higher than that of sending money order (that is, if the buyer wants to save money, it means that you have to wait 1 month or more). Post office: I'm not skilled in business. I can only bring RMB, and the exchange rate is very low. Agricultural Bank of China: You can withdraw foreign currency directly.
(10) Wu reminded everyone to use: transfer, not draft. Information you want to provide to foreigners: The information I provided for you about remittance by Western Union is as follows:
Name: (noun)
Name: (name)
Last name: (Last name)
Street: (street)
City: (city)
Province: (province)
Country: (country)
Postal Code: (Postal Code)
Phone number: (phone number)
You must know the information of foreigners before you can get foreign exchange in the post office or the Agricultural Bank of China.
Your name: (foreigner's name)
Name:
Last name:
Street: (foreigner street)
State/city: (foreigner's city)
Country: (foreigner's country)
MTCN: (Transfer control number This is a number of 10, which is mainly provided by Wu to foreigners)
Total amount of money: (amount of money and amount of money)
Correct the wrong understanding of western union payment method
Two fundamentally different services of Western Union remittance: remittance and money order;
1) Transfer (Western Union) is not limited in currency and use, and the maximum amount at one time is at least USD 3,000. 10 can be received in a few minutes, and the remitter's handling fee is high. The remitter can remit money in local currency (freely convertible currency), and when the payer withdraws money, the bank or the agent of Western Union will withdraw money for you according to the settlement amount in US dollars. Suppose you sell something to an Australian buyer on ebay in the United States, including goods+freight, etc. The amount is 100.00 USD. This buyer sends you money by remittance, and he can choose to remit Australian dollars. Then when you take it at home, the bank settlement may be slightly less than 100, because of the exchange rate. Not only Western Union, but also many other similar companies provide such services.
2) Bills of exchange, there are many kinds of bills of exchange, and bidpay is only one of them, and the bills drawn by bidpay are all Western Union. Here, I mainly talk about the Western Union draft drawn by bidpay, leaving aside other drafts for the time being. Payment can only be made in US dollars. Can only be used to pay for online auction goods. Up to 700 dollars at a time. Western Union has its own verification procedures for the remitter's credit card. After confirmation, the order approval email will be sent to the seller. As a seller, in order to ensure the safe collection and avoid the buyer's fraud, the seller must deliver the goods according to the delivery address notified by Western Union, and cannot easily agree to the buyer's request to change the address in the mail after the order is issued. A long time. None of the money orders I received can reach China within 20 days, and our dear compatriots in the post office don't know that the envelope is filled with silver, so they will just throw it into the mailbox for you. The bank collection will have to wait for another 45 days. Therefore, this 20-day mailing of 45-day collection and 65-day payment by draft may also lead to the risk that the seller will refuse to pay (the buyer may have received the goods before this time limit, and the time for them to pay CC bills to credit card companies and banks is about 30 days after the order is issued). Of course, this risk is much smaller than the probability of refusal of PP. I suggest you add a sentence "Pay the bill first and then deliver it to prevent fraud" when you express your acceptance of the bill on the commodity page. Of course, you may not actually do this, depending on the situation, but this sentence warns those malicious buyers to stay away from you. If you have friends in the United States to help you receive money orders and pay, the whole process can be shortened to 7- 10 days, then you can really deliver the goods after payment.