The purpose of purchasing foreign exchange is to remit money to overseas spouses.

China does not allow individuals to remit RMB directly abroad. If you want to send money abroad, you must first change it into foreign currency, and each person has a foreign exchange limit of $50,000 per year. In most banks, the amount of overseas remittance through self-service channels will be limited as appropriate, and there may be additional restrictions for elderly customers. Because of various reasons such as preventing ants from moving or money laundering risks, the principle of foreign exchange policy has not changed, but the trend is gradually tightening. In addition to following the policies of the State Administration of Foreign Exchange, banks should also abide by the detailed rules of the local foreign exchange bureau and strictly implement the compliance requirements of the head office, so the specific implementation standards of banks will be slightly different. The payee is an individual and has a normal purpose. The proof materials provided can generally be remitted, and the problem is not too big. The payee is a company, so the audit should be stricter to prevent the use of foreign exchange from being inconsistent with the actual situation, because then the nature of foreign exchange will change. Consult the bank in detail about your real situation before remittance to avoid a trip in vain.

1. The Hong Kong bank card contains many accounts, such as USD account, HKD account, AUD account, EUR account, JPY account, etc. We will fill in which account we transferred to. Take China Merchants Wing Lung Bank as an example. Its Hong Kong dollar account is the number circled in the figure below.

2. At present, many banks such as Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications, China Guangfa Bank, Shanghai Pudong Development Bank, China Merchants Bank and Minsheng Bank can purchase foreign exchange through the "settlement and sale of foreign exchange" function in mobile banking, and some banks can also query the real-time foreign exchange quotations in the "foreign exchange market" in mobile banking, which is convenient for users to compare the exchange rates between different banks.

3. The State Administration of Foreign Exchange released a message on the evening of February 3 1 and February 20 16, saying that the foreign exchange administration department has improved the management of personal foreign exchange information declaration, which does not involve the adjustment of personal foreign exchange management policies, and the amount of personal annual foreign exchange purchase facilitation has not changed. This time, to improve the management of personal foreign exchange information declaration, it is mainly to refine the declaration content, strengthen the audit responsibility of bank authenticity and compliance, conduct spot checks on personal declarations afterwards and increase penalties. Domestic individuals can apply directly to the bank to purchase foreign exchange within the annual facilitation quota after they declare their real demand for foreign exchange purchase with valid identity documents; There is no obstacle to the purchase of foreign exchange under the current account beyond the facilitation quota with the authenticity of the transaction amount.