: 1. The legal way of overseas remittance to China is direct bank telegraphic transfer, and there is no restriction on overseas remittance to the mainland. Generally speaking, however, more than $65,438+00,000 will be recorded after the report is made, and less than $65,438+00,000 will be automatically recorded. In the case of foreign exchange settlement, the personal account can only settle foreign exchange up to 50,000 dollars per year. For enterprise accounts, there is generally no need for separate approval under the current account, but there will be total control. You can also transfer money to China through the remittance platform. Direct bank wire transfer is expensive, but it is safe. If the remittance funds are relatively large, it is more cost-effective to transfer to China through the remittance platform.
3. Remittance to China through remittance platform. At present, there are many remittance platforms, such as Western Union, a very old institution. The following two remittance softwares are recommended: TransferWise: a platform for providing international remittance and transfer services. Headquartered in London, it mainly supports more than 40 European countries.
5. Remittance business
After downloading the App, register, but the interface is in English, and the operation may not be as cool as the mother tongue operation. After registration, you can directly complete the remittance process online. However, they don't support China user registration at present, but they can remit money to China.
6. Handling fee: In the official description of TransferWise, it is the handling fee for transferring 0. However, in the process of currency exchange, a certain exchange fee will be charged, which will increase according to the amount of remittance. For example, when we remit 2500 euros, we charge 39.08 euros for conversion, and the RMB received is 19347.48 yuan. Therefore, although the official statement does not charge, in fact, when the remittance amount is large, the conversion fee is still very high, and the money actually received is not as much as other remittance software.
7. Exchange rate: TransferWise provides a higher exchange rate, which can lock the remittance, but because TransferWise also charges a conversion fee, it will be charged in proportion to the change of remittance amount. So when the remittance amount becomes larger, the advantage of high exchange rate is not obvious.
8. Arrival speed: the fastest arrival time of remittance 15 minutes, mostly within two hours, and the arrival time of different currencies is different. Generally speaking, bank remittance and online remittance have their own advantages and disadvantages. If you want to ask which is more convenient, remittance from Japan or remittance to China, I think it will vary from person to person. If local tyrants don't care much about bank charges, they can also choose to use bank remittance. If you care about the speed of arrival, you can try Transferwise. If you are very concerned about the handling fee and exchange rate, you'd better recommend minimalist express remittance.
9. Minimalist Express App: The remittance software "Express Remittance" was recommended by friends around me. Compared with Transferwise, they entered the European market relatively late, and they are specially designed for remittance from China, so their popularity is not as great as transfer wise's, but the overall use feeling is good.
(operating environment: iphone8plus14.7.1transferwise 7.3.4 minimal express v2.1)