The following are some of my personal opinions, for reference only. If there is anything that is not good, you can point it out, right?
1: How to return funds from overseas accounts to China
When you open an overseas bank account, you will generally be provided with a card. That card is the key to returning funds to your country. Generally, it is used for withdrawing money, POS machine, WeChat Alipay payment code, aggregation code, and online consumption. Shopping, etc., assuming we use the Wise card to send 10,000 yuan back to the country, this is a strategy I can think of:
How to return US$50,000 to the country: through cross-border remittance, transfer it back to the domestic bank account by paying a certain handling fee. For example, transfer US$10,000 to the domestic bank card, and then settle the foreign exchange. It is probably like this, there are 5 The limit of 10,000 yuan may be subject to review. In the worst case, it will be a problem whether the bank can deposit it into the account. Under normal circumstances, there seem to be relatively few people using this.
wise solution: wise provides a way to transfer RMB to Alipay and WeChat, as well as bank cards. Switching to WeChat and Alipay also takes up 50,000 US dollars, and the same goes for bank cards. Alipay seems to only be able to accept 5 transactions per month, and WeChat each You can only collect 10 transactions per month. Alipay generally uses flash collections, which are credited to the bank card. (Currently, I heard that you can change the trial payment and that payment to receipt. It should be OK in the balance. , but WeChat will definitely not work), this is not the case with Alipay and WeChat. If you remit via WeChat, you will receive a text message. Just fill in the required information. Please note that there may be random checks and requests for information. It is recommended that you remit it. To get family members, you don't have to provide the tedious information. If you transfer it directly to a bank card, you don't need to provide it. But the issue of the limit is there. It depends on the demand.
Wise plan two: Wise provides physical cards and virtual cards. If the amount of funds is not large, for example, just a few hundred dollars, generally you can use the Wise card to spend less than 200 yuan with no handling fee. , do you think this is not enough? You can order takeout for less than 200. Even if you can spend more than 200, the handling fee may start to be expensive. First of all, the card is suitable for daily consumption. Secondly, this card can be cashed out. How to cash out That is, you pay 200 yuan each time to buy from the merchant. After several payments, you will basically have all the money, and there is no handling fee, right? At present, this method is only applicable to WeChat and Alipay. It is not clear at the moment. Some Alipay merchants may skip 3ds authentication for offline payment. This is a bit more troublesome. It is only applicable to the cash-out fee-free plan. Secondly, Wise physical cards can also be taken. Money, don’t forget, if you spend less than 200 pounds, there is no handling fee. If it exceeds 200 pounds, it seems to be 0.5 pounds plus 1.75% handling fee. This depends on the demand.
Other strategies, u card:
There are many U-cards on the market, including Visa, MasterCard and UnionPay. The most common ones are the first two UnionPay ones. I have never seen them. However, the cost is not big or small, but it is still a bit expensive. This is based on demand. Some of the UnionPay u cards I watched in some videos have a QR code that allows direct payment to merchants. You can pay by scanning it, which is similar to Alipay. However, the handling fee may be a problem. If you want to make money, you have to find a way to save the handling fee. , return the funds to the country in a legal way. If you write a single person here, there must be many people thinking why don’t I just c2c? Of course, it is possible, but once the card is frozen, or WeChat Alipay is blocked, it will be very difficult to deal with. Troublesome, right?
