remittance solutions for foreigners in China

外国人在中国的汇款解决方案

Bank transfer

银行转账

Bank transfer is the most common way to send money across borders. Here are the steps:

银行转账是最常见的跨境汇款方式。以下是具体步骤：

1. Choose a bank: Choose a bank that can handle international remittances. Major commercial banks in China, such as Bank of China, Industrial and Commercial Bank of China, and China Construction Bank, provide international remittance services.

1. 选择银行：选择一家可以处理国际汇款的银行。中国的主要商业银行如中国银行、工商银行、建设银行等都提供国际汇款服务。

2. Data preparation: Personal information such as passport, valid visa, proof of address, as well as the bank account information of the recipient is usually required.

2. 准备资料：通常需要提供护照、有效签证、住址证明等个人信息，以及收款人的银行账户信息。

3. Fill in the remittance application form: Fill in the detailed remittance application form, including the remittance amount, the recipient information, the purpose of the remittance, etc.

3. 填写汇款申请表：填写详细的汇款申请表，包括汇款金额、收款人信息、汇款目的等。

4. Pay fees: Bank transfers usually charge a fee, depending on the amount transferred and the bank's policy.

4. 支付手续费：银行转账通常会收取一定的手续费，具体费用根据汇款金额和银行政策而定。

Online payment platform

在线支付平台

Online payment platforms such as PayPal, TransferWise, Revolut and others facilitate cross-border remittances. Its advantages are:

在线支付平台如PayPal、TransferWise、Revolut等为跨境汇款提供了便利。其优势在于：

1. Convenient and fast: no need to go to the bank, through the mobile phone or computer to complete the remittance operation.

1. 便捷快速：无需前往银行，通过手机或电脑即可完成汇款操作。

2. Fee transparency: Clear fees and exchange rates are usually displayed for easy comparison.

2. 费用透明：通常会显示明确的手续费和汇率，方便比较选择。

3. Wide acceptance: Many countries and regions support these platforms and they are widely used.

3. 广泛接受：许多国家和地区都支持这些平台，使用范围广泛。

Wire transfer service

电汇服务

Wire transfer services (such as Western Union and MoneyGram) are also common ways to send money across borders. Its features include:

电汇服务（如Western Union、MoneyGram）也是常见的跨境汇款方式。其特点包括：

1. Fast transfer: Usually within a few minutes to a few hours.

1. 快速到账：通常在几分钟到几小时内即可完成汇款。

2. Global network: There are a wide range of outlets around the world to facilitate recipients to receive cash.

2. 全球网络：在全球范围内有广泛的网点，方便收款人领取现金。

3. Higher fees: The processing fee of wire transfer service is relatively high, which is suitable for emergency remittance needs.

3. 费用较高：电汇服务的手续费相对较高，适合紧急汇款需求。