Detailed explanation of remittance methods for studying abroad in Switzerland

1. According to the handling fee

The difference between foreign exchange and domestic withdrawals is that no matter which method is used, Pay a certain handling fee, the difference is the level of the handling fee.

According to this classification: money orderlt; wire transferlt; traveler's checklt; MoneyGram

The handling fee for money order is the lowest, and generally one thousandth of the handling fee is required. , minimum RMB 30, no more than RMB 200.

The handling fee for wire transfer is higher, mainly reflected in the fact that the handling fee limit is RMB 1,000.

Travelers' checks are subject to double handling fees. When purchasing, you need to pay a handling fee of one thousandth to five thousandths of the face value, and when cashing, you need to pay a handling fee of one thousandth.

The handling fee of MoneyGram is the most expensive. The handling fee is 0.5% per thousand, and it is calculated based on the exchange rate of the U.S. dollar. When converted into RMB, the price will be higher.

2. The speed of payment

The time of payment is also an important aspect that parents will consider when choosing to remit money. Usually, the requirements for the time of payment are not high, but in case of In an emergency, this is the first choice.

According to this classification: money orderlt; wire transferlt; traveler's checklt; MoneyGram

MoneyGram, as the name suggests, is funds that arrive quickly. If you encounter an emergency, you can quickly Huijin is the best choice. From remittance to collection, the whole process will not take more than ten minutes.

It is also very fast to exchange traveler's checks for cash. You only need to go to the bank with the check and the staff will verify it and you can get the cash.

The arrival time of wire transfer is much slower, usually about two days, while the payment time of money order is longer. After paying the money order to the bank, it takes one month to withdraw the money.

3. According to the complicated and simplified procedures

Among all foreign exchanges, the number of procedures will also affect people’s choices. Travelers’ checks are the simplest to use, while money orders, wire transfers and The process of MoneyGram is similar, so you should also take this aspect into consideration when choosing.

Extended reading: How to apply if you plan to study in Switzerland

1. Choose a suitable degree course

Switzerland has many disciplines, especially finance and accounting, economic management, It has a high international reputation in the fields of international law, information technology, biochemical medicine and environmental protection. Here are some popular options: Master of Human Medicine, Master of Civil Engineering, Master of Computer Science, Master of Physics, Master of International Business, etc.

2. Choose the right Swiss university

Switzerland has two Two very science and engineering universities, ETH Zurich and EPFL, are directly under the jurisdiction of the federal government. ETH Zurich is almost on an equal footing with MIT, and the others are all state universities. , the more well-known ones are the University of Zurich (UZH), the University of St. Gallen (HSG), the Adolphe Merkle Institute and the University of Geneva (UNIGE) where I graduated.

3. Application preparation

Switzerland offers a variety of study options, many of which have a strong focus on research. When applying, pay attention to research direction, major, school ranking, etc. After collecting all relevant information, choose the degree carefully. Check the exact entry requirements for each degree course, as well as specific standards for medical, dental and veterinary degrees. Excellent students can look for scholarship opportunities in Switzerland

4. Application qualifications

You should know that most Swiss universities do not recognize certain qualifications, such as: distance education certificates, evening school certificates , a certificate from a vocational or part-time high school. If the certificate or qualification is not confirmed, you will be given the full Swiss (or cantonal) term exam. It is definitely not recommended to take this kind of test because you don’t understand the test format and content, and the test is conducted in a minority language of the state.

5. How to apply

Complete the online application form on the university website.

Pay the application fee.

Upload all supporting documents by the deadline.

6. Language certification

German: DSH, TestDaF, OSD, telc

French: DELF or DALF

English: IELTS, TOEFL

If you do not have a language certificate, you can take a language test at the university, and based on your scores, you can determine whether your level is sufficient for you to complete your studies. Not all universities offer this option. Finally, do not take the language test organized by the school. I went to school with a TEF-C1 score, but Switzerland did not accept TEF scores. It was a tragedy to take the language test organized by the University of Geneva, because the first question was listening ability. Write a comment and send me a blank piece of paper directly...

7. Required application documents

· Sign and print out your application form

· Two passport photos

· Copy of ID card

· Official academic transcript from the university attended

· High school diploma or undergraduate diploma

· Certificate of language proficiency (German/French/English)

· CV

· Proof of payment of application fee (CHF 100 - 150 or CHF 400 for late applications)

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· Personal essay/motivation letter (this is very important, a good application motivation letter is related to whether you will be recognized and admitted by the supervisor)

8. Additional information for students applying for doctoral programs Documentation

Letter of recommendation from supervisor, approval to supervise the doctoral thesis, and agreement to disregard your research.

If you are in your final year of high school and have not yet received your diploma, you may provide your scores within one year, but you must send a copy of your final exam scores as soon as possible.

All certificates and transcripts are provided in English, French, German or Italian by certified translators. In addition to translations, some universities will also require official documentation from the school or university you attended and an explanation of the grading and evaluation system.

9. University application deadlines in Switzerland

Deadlines for applying to Swiss universities vary, depending on which university you are applying to. Students are usually advised to submit their application in the spring semester in order to begin studies in the following academic year.

Autumn semester: December 1st to April 30th

Spring semester: May 1st to November 30th

If you need a Swiss visa, The following deadlines are recommended: December 1 to February 28 for the fall semester and May 1 to September 30 for the spring semester.

In some cases, applications for PhD candidates have different deadlines:

Fall semester: until October 15th

Spring semester: until March 31st

10. Final steps after receiving your admission letter

Non-EU students must apply for a visa, if you need a student visa you can apply at the embassy/consulate.

All foreigners studying in Switzerland need to obtain a residence permit, which is usually applied for at the local immigration office within 14 days of arrival in Switzerland.

By purchasing health insurance, EU students automatically obtain the basic medical qualifications of the European Health Insurance Card. EU and non-EU students are required to pay extra for health insurance upon arrival.

Extended reading: Introduction to Swiss study loan conditions

1. The borrower should have full civil capacity and the actual age on the loan maturity date shall not exceed 55 years old;

2. The borrower has no illegal or disciplinary behavior, is in good health, and has an honest and trustworthy character;

3. If the borrower is a person studying abroad, he should have a license to the lender's location before studying abroad. Permanent household registration or other valid residence status;

4. If the borrower is an immediate relative or spouse of someone studying abroad, he or she should have a permanent household registration or other valid residence status within the area controlled by the lender, and have a fixed residence. , have a stable career and source of income, and have the ability to repay principal and interest on schedule;

5. The borrower should hold an admission notice or other valid enrollment certificate issued by the overseas school where the person intends to study abroad;

6. The borrower must provide property mortgage, pledge or third-party guarantee approved by the lender. Mortgage properties are currently limited to properties for which mortgage rights can be set; pledges are currently limited to treasury bonds, bank certificates of deposit, corporate bonds and other securities; the guarantor should be a legal person or natural person with the ability to compensate, and be willing to assume joint and several liability for repayment ;

7. Meet other conditions stipulated by the lender.