Cross-border remittance methods include wire transfer remittance and "MoneyMoney" remittance. You can choose the appropriate cross-border remittance method according to the actual situation.
One way: telegraphic transfer
Business profile
Just open a current multi-currency account (such as wealth management account, smart card, current all-in-one account, etc.). ) In our bank, you can accept cross-border wire transfer and remittance. As a member of the international swift clearing organization, China Industrial and Commercial Bank provides you with multi-currency and fast cross-border remittance services by using advanced foreign exchange remittance and fund settlement system, strong domestic and foreign service network and correspondent bank resources.
☆ Characteristic advantages
1. Multi-currency and Multi-region: Through our bank, you can receive overseas remittances in freely convertible currencies from different countries or regions (Hong Kong, Macao and Taiwan) in the world (subject to the foreign exchange quotation currency published by our bank); Among them, the currency of foreign currency savings deposits that banks can operate can be recorded in the original currency, and the convertible currency of non-deposit currency can only be recorded after you provide the proof of foreign exchange settlement stipulated by the State Administration of Foreign Exchange.
2. Affordable: We don't charge for overseas remittance.
3. Easy entry: As long as you provide our current multi-currency account (such as current all-in-one account, wealth management account and Express Huitong card) as the remittance receiving account, the money will be automatically entered when it arrives, and you don't need to go through the entry formalities in person.
4. Good service: Before you receive the cross-border remittance, we will provide you with detailed guidelines on the cross-border remittance route. You can provide the guidelines to your overseas remitter and ask him to remit money to you in the simplest, economical and fast way according to the guidelines.
Service channel
The remitter can remit money to our bank through banks in various countries and regions in the world, and the payee can conveniently check the balance change of the collection account through the counter, telephone banking or online banking.
☆ Operation guide
1. When an overseas institution or individual wants to remit money from abroad to your territory, please inform us in advance of the remittance direction of the corresponding currency according to the remittance currency (please send a text message to 95588 or call 95588 for the specific remittance direction). ) and your relevant information as a payee are provided to overseas remitters. The main information you need to provide to overseas remitters includes: the name of the payee (that is, the name of your certificate is the same as that of Putonghua Pinyin, or the name of your account is the same as that of Putonghua Pinyin), our complete current multi-currency account number (or card number), the full name of the payee (that is, our bank), the swift code of the payee (that is, our bank) and the payee. For details, please contact the customer service hotline of the local branch at 95588.
2. Prompt the remitter to send money to an overseas bank, and fill in the remittance application form according to the remittance route guide of our bank and the payee information prompted by you. If the remitter is not sure how to fill in the remittance application form, he can prompt the remitter to show our remittance guide to the remitter's staff for assistance when handling remittance in an overseas bank.
3. If you, as the payee, do not open a foreign currency savings account with our bank in advance, but want to remit the money to our bank, it is suggested that you open a current multi-currency account with our bank in advance to ensure that the money can be received in time and smoothly.
FREQUENTLY ASKED QUESTIONS
1. What are the conditions for receiving overseas remittances?
A: You only need to open a current multi-currency account of our bank (such as wealth management account, smart card, current all-in-one account, etc.). ) and receive overseas remittances according to the guidelines of China Industrial and Commercial Bank for Overseas Remittance, and inform the overseas remitter of your relevant information.
2. How to use the route guide?
A: There are different remittance directions according to different remittance currencies. "Route guidance" is only related to remittance currency, not to remittance source country. That is, if the remitter remits money to you in US dollars from the UK, you should choose "US Dollar Remittance Guide" instead of "British Pound Remittance Guide" when using and selecting remittance guides.
3. Can I remit RMB directly from abroad to China?
A: Individuals holding Hong Kong resident identity documents or Macao legal residence documents can remit money to China as the payee, and the maximum remittance amount per remitter per day is 80,000 RMB. In addition, you can also handle foreign currency personal foreign exchange pre-settlement remittance in ICBC's overseas branches, which can ensure that the payee receives RMB directly.
Why hasn't your remittance arrived yet?
Answer: Please confirm with the remitter whether the payee information provided during remittance is correct, whether the payee account is a current multi-currency account, and whether the payee name matches the payee account name; If the above information is correct, you can check with the remittance bank through the remitter.
5. Why did you receive less money than you remitted?
A: If the remitting bank and our bank open accounts with each other, we can generally remit the money in full to our bank. However, if the remittance bank has no account relationship with our bank, it is necessary to transfer the remittance money to our bank through another bank or banks. Every remittance bank will deduct a remittance fee from the remittance amount when doing remittance business. Therefore, the remittance amount you received may be less than the original remittance amount.
6. Can ICBC accept Swedish krona remitted from abroad?
A: Yes, but since the Swedish krona is not the currency of our savings deposit, we need to inform you to bring your ID card and materials required for settlement of foreign exchange to the designated outlets after receiving the money, and then you can enter the account according to the regulations of the State Administration of Foreign Exchange.
7. Can remittance to ICBC only be processed at ICBC overseas branches?
A: No. You can choose any bank in the world to remit money to the account opened in ICBC, but if you handle personal foreign exchange pre-settlement, you can only handle it in our overseas branches.
Method 2: Withdraw cash through Qian Qian.
Business profile
The cash withdrawal business of MoneyGram is a fast, simple, safe and reliable international remittance service provided by our bank in cooperation with the world-famous remittance service company MoneyGram.
If you need to receive foreign currency funds remitted to you by overseas individuals as soon as possible, you can receive the money as soon as possible through the cash withdrawal service provided by our bank without opening an account with our bank.
☆ Characteristic advantages
1. Extensive remittance agencies: Bike has more than 200,000 agency outlets in 190 countries and regions around the world. Overseas remitters can remit money to you through these outlets and pay through the outlets designated by the bank.
2. Fast remittance speed: With the help of the foreign currency fund settlement system of our bank and the global network and electronic technology of the international moneygram company, you can receive the money in our bank within about 65,438+00 minutes after the remitter remits the money during the normal business hours of our outlets. For customers who are in urgent need of money, MoneyGram is an excellent remittance method.
3. Remittance does not need to pay the handling fee: MoneyMoney's handling fee is only charged according to the corresponding grade of remittance amount when remittance, and the payee does not need to pay the handling fee again when remittance.
4. Full payment: After MoneyMoney remittance, you will receive the remittance in full without any deduction from the intermediary bank, thus ensuring the full payment of the remittance.
5. Simple procedure:
For the remitter: you don't need to choose a complicated remittance path, you don't need to know the bank where the payee opens an account and its account number, you just need to provide simple information such as the payee's name and tell the payee the remittance business reference number immediately after remittance.
For the payee: there is no need to have a bank account, and there is no need to determine the specific withdrawal outlets in advance. You can go through the payment formalities at any MoneyMoney agency with your ID card and remittance service reference number.
6. Safe and reliable: when withdrawing money, the payee will make payment with valid ID and business reference number. Check the multiple information of payment to guarantee your remittance funds. In addition, the storage and processing of all remittance related information are all electronic, and the transmission control is carried out through the moneygram system, so the system security is high.
Service channel
Please consult the local 95588 customer service hotline before handling at the designated business outlets.
☆ Operation guide
1. When handling remittance payment at the designated outlets of our bank, you need to bring your valid ID.
2. Fill in the withdrawal form, including remittance business reference number, remitter's name, address, street, city, postal code, contact telephone number, etc.
3. declare balance of payments.
Method 3: "MoneyMoney" is directly remitted to the account.
Business profile
The direct remittance business of MoneyMoney is one of the cooperation projects between our bank and the world-famous remittance service company MoneyMoney Company, which provides fast, simple, safe and reliable international remittance service for customers who hold our personal current multi-currency deposit account/card.
If your overseas relatives and friends want to remit you a sum of foreign currency funds, you can choose the direct remittance service provided by our bank when we already have a current multi-currency deposit account (if you haven't opened an account yet, you can apply for opening it at any of our business outlets), and you can easily receive the money without queuing at the bank.
At present, overseas countries that have opened MoneyMoney direct remittance accounts are: the United States, Italy, Australia, France, Germany, the Netherlands and Belgium.
The collection currencies are: USD, EUR, GBP and AUD.
☆ Characteristic advantages
1. Wide range of remittance agencies: MoneyGram has a wide range of agency outlets in overseas countries that open direct remittance accounts for MoneyGram, and overseas remitters can remit money to your designated ICBC account through these outlets.
2. Convenient collection: you don't need to go to the outlet to collect money, as long as you have a current multi-currency deposit account/card of China Industrial and Commercial Bank.
3. Free notice of receipt: ICBC will notify the payee by SMS on the day of remittance receipt.
4. Remittance speed is faster: With the help of our foreign currency fund settlement system and the global network and electronic technology of international moneygram company, during the normal business hours of our outlets, the moneygram remitter can receive the payment within 24 hours at the earliest.
5. No handling fee is required for remittance: MoneyMoney's handling fee is only charged according to the grade corresponding to the remittance amount at the time of remittance, and the payee does not need to pay the fee again.
6. Full payment: After MoneyMoney remittance, you will receive the remittance in full without any deduction from the intermediary bank, thus ensuring the full payment of the remittance.
7. Simple procedure:
For the payee: as long as you have an ICBC account, log in to MoneyMoney website for registration before the first payment, and inform the remitter of the registered global remittance ten-digit registration number (RRN). If the collection amount exceeds the equivalent of $3,000 (excluding), there is no need to make a special trip to the counter to declare the balance of payments, just confirm the indirect declaration by SMS.
For the remitter: you don't need to choose a complicated remittance path, just provide simple information such as the payee's name and registration number, and immediately inform the payee of the remittance amount and business reference number (8 digits) after remittance.
8. Safe and reliable: the multiple information of payment verification provides protection for your remittance funds. In addition, the storage and processing of all remittance related information are all electronic, and the transmission control is carried out through the moneygram system, so the system security is high.
Service channel
All branches of the Bank can open current multi-currency deposit accounts/cards and help you register.
☆ Operation guide
● How to register
1. Before the first remittance, log on to MoneyPay website to register www.moneygram.com/AccountRegistration., and we will handle the direct remittance of moneygram to the account in the future. If the registration information has not changed, there is no need to register again.
2. The "receiving country" chooses China; ; "Collection Option" selects ICBC+required collection currency.
3. Enter in English, fill in the exact surname, first name, mobile phone number, current account number 19 ICBC, permanent address, city, province, occupation and gender of the payee, and select the transaction purpose.
4. Submit information and obtain the global remittance ten-digit registration number (RRN).
5. Inform the remitter of the registration number (RRN), and the remitter will handle the remittance at the overseas MoneyPay outlet.
● How to collect money
1. After the remitter completes the remittance transaction, he immediately informs the payee of the remittance amount and business reference number (8 digits), and reminds the payee to pay attention to the SMS.
2. During the normal business hours of our bank, the payee should pay attention to the short messages on the mobile phone. On the day the remittance arrives, our bank will send a free short message to the payee to remind that the remittance has been successfully received.
If the amount received exceeds the equivalent of US$ 3,000 (excluding), according to the requirements of the State Administration of Foreign Exchange, our bank will confirm the transaction purpose of the money to the payee by SMS before the money is credited. If there is no objection, please reply to "1" for confirmation. Our bank confirms the declaration of income and expenditure according to the short message replied by the payee. The payee must reply within the time indicated by the SMS, otherwise the remittance may be returned.
Statement of responsibility
The contents of this page are for reference only, and the specific business handling standards are subject to the regulations of the local branch of Industrial and Commercial Bank of China. In order to save your time, please consult the local industrial and commercial bank in detail before going through the relevant formalities.