美国留学选对汇款方式可以省钱

赴美国留学汇款问题是不可避免的，大家也都愿意选择最便捷，最省钱的方式来汇款。那么在美国有几种不同的亏款方式，学生选对汇款方式也是一种省钱的方法。下面小编就针对这几种汇款方式为大家介绍一下。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

1.支票汇款

优点：省钱，便利

缺点：速度慢

汇钱方法：在美国的开户银行领取一本或者一联支票，填写方法与往常一致，可以在memo上写中文姓名和收款人的证件号。

收款方法：收款人在中国任何一家办理外汇业务的银行凭身份证办理托收。

时间：一个月左右，美金到账后银行会电话通知收款人，提款时可以选择美金或者人民币两种方式。

提示：部分高级账户或者特殊申请，可以免除wire fee（电汇手续费），口才好的客户不妨试一试。

2.现金携带

优点：不受汇率影响，省钱

缺点：危险是必然，需要像海关申报

汇款&收款方式：人肉携带

提示：不同银行的汇率不同，想换大金额的朋友们请提前查询一下。

3.银行直接汇款

在美国的中国银行分行直接向中国的银行存款，在洛杉矶和纽约有不少中国的银行分行，和一些国家大型银行的国际外汇业务办理点，不同银行的名称不同，但是这么做也有不少利弊。

优点：安全，有会说中文的服务人员

缺点：要另计交通时间，有时候人多可能需要排队

汇款方式：到中国银行在美国的柜台，领取表格办理

时间：一般24小时内到账。

费用：不同银行的手续费不同，一般3,00美金以下，几十美金的手续费。

4.人民币/美元双币信用卡

同学们在出国之前可以办理双币种信用卡，父母持有主卡，自己持有副卡。出国之后使用信用卡支付非常方便，只要输入信用卡信息就可以支付了，而且无需密码。一般的信用额度足够留学生在外生活，所以不必担心额度不够。

提示：千万不要使用中国国内的信用卡在美国交学费，因为银行要收取2%至3%的手续费，学费基数大，非常不划算。

5.paypal汇款

PayPal跟中国的支付宝很像，不同的是它支持国际转账和汇款，全球超过90%的跨国卖家和超过85%的买家认可并正在使用PayPal电子支付业务进行国际汇款。

优点：安全，高效，适合高额转账或者贸易交易

缺点：需要汇、收款双方都有Paypal账号

方法：绑定一张国际双币种信用卡(可以消费人民币及美金的信用卡)，然后进行认证以后就可以使用了。