亲身经历,再次兑换美元外汇并跨境汇款的操作。。。

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今年春天的时候换了一些美元,并写了一篇博客文章,介绍了一些相关的内容。 大家观看阅读的比较多,也都比较关注这个问题。 所以再接再厉,就再说说前些天再次兑换美元外汇并跨境汇款的经历,希望对大家有所求帮助。

大家也都知道 , 最近从一些新闻或各种渠道都反馈国家对外汇进行管控,可能以后兑换和跨境汇款都会有点困难了。 所以从个人不管是个人旅行消费的角度还是全球资产布局的角度,还是需要兑换一些外汇的。

为了日后出国旅游消费的需要,于是便开始着手再次兑换一些美元。 之前也担心会不顺利或遇到阻碍。 但事后感觉还是很顺利的。 其实就是再次使用工商银行的app,在手机端顺利的对换了美元外汇。 和上次的操作是一样的。 剩下就是进行跨境汇款了。

具体的操作就是选择 转账汇款—境外汇款—(境外工行或境外他行) ,根据自己境外的银行来选择,填写好境外卡的相关信息,一步步的比较简单的,最后还会提示插入U盾并按确定来最终汇出。

这里需要注意的是,最好选择工行来兑换和汇出,原因是, 个人发现工行相比建行和中国银行来说, 兑换的比率最低,也就是最省钱,而且工行手机app汇出美元除了手续费外,是免收电报费的。而中国银行除了手续费还有135元电讯费。当然是工行比较划算了。

至于如果有人会问如何办理一个境外银行账户的话,那就是另外一个问题了,如果有需要的话,再开一篇博文来讲讲。

好了,今天先讲到这,希望对大家有帮助。。。

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