如何往国内汇款（美元或加币）？

[land889]

亲戚的孩子考上大学，想汇点钱回去，不知如何办理能够方便快捷手续费不高？

 

[lifelife]

快捷: West uni and Bank wire transfer, but fees high.

手续费不高: ~ $5 to buy a money order from any Bank, but need mail it to China by yourself and must wait more than 10 days to be cashed after deposit in a China Bank.

Both above are 方便.

 

[land889]

“mail it to China by yourself”不会寄丢吧？前后一个月的时间还可以。谢谢。

 

[Ayin_Ottawa]

这又不是什么急事。我觉得寄支票最好。不过这要等大约2到3个月，收款人才能够拿到钱。

 

[lifelife]

“mail it to China by yourself”不会寄丢吧？前后一个月的时间还可以。谢谢。

I did it times, never lost. I used Xpresspost or register mail at Post Office . Both price are similar, so I prefer to take the first one, it quicker than the second one too. For safety reason, both of them required a receiver's signature.

Plus, Canadian Post will give you a tracking number, by this number and go to Canadian Post Website, you can track the mail and know where it is on time!

 

[yuoop]

时间也太长了！在西联汇款，只要几分钟，对方就可以拿钱了。手续费也不是很高。快又不用担心那么长时间。如果等那么长时间，谁也不知道汇率的波动，那样在汇率上损失的应该是比那点儿手续费还多，真是得不偿失。这种方法手续费比邮费+买money order的钱，还有之间那么长时间的担心，其实西联汇款时最快捷，安全的方法，偶觉得的。

 

[lifelife]

时间也太长了！在西联汇款，只要几分钟，对方就可以拿钱了。手续费也不是很高。快又不用担心那么长时间。如果等那么长时间，谁也不知道汇率的波动，那样在汇率上损失的应该是比那点儿手续费还多，真是得不偿失。这种方法手续费比邮费+买money order的钱，还有之间那么长时间的担心，其实西联汇款时最快捷，安全的方法，偶觉得的。

When you use a 'money order', you get or deposit (earn interest too) CAN$ or US$ in China Bank, not Chinese Yuan. So, you can watch the transfer ratio -- at a high time, transfer it into Chinese Yuan.

Yes, 谁也不知道汇率的波动. 西联汇款 can give you Chinese Yuan in China, right? They could charge a #% of your amount too. If next day 汇率 go up, do you regret? For the 汇率, 担心 is same but fees up. So, I would not like to take West Uni. Only if in urgent need money, it is a good way to go.

 

[lifelife]

One more benefit to use money order for some Chinese people who want CAN$ or US$. (Of course, if they want it in Chinese Yuan, just transfer it in China Bank.)

 

[Ayin_Ottawa]

加币对美金最近再涨。

刚换了美金就发现，亏了！

所以换钱是很难讲早兑好还是迟对好。用的时候有钱就好，俺想。

N年之前看Western Union的广告。上面说Western Union转钱很快。不过，再另一端的人在监狱里，孔急要钱！所以一直有印象说用Western Union是实在太急要钱，譬如说要腐败祖国的清官急需资金、或者被小姐讹诈了。。。

 

[kliu]

去 Scotiabank 开个户口吧，经他们 online banking 汇Western Union只要 九刀 + 1%。

Calculate & Send

RBC 的话每$1000加元 就 $13.5

http://www.rbcroyalbank.com/sendmoney