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美国留学选对汇款方式可以省钱

发布时间:2018-7-12 文字大小:  打印:打印此文

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%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。

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