汇款回国
从美国汇款回中国，了解不同渠道和费用本场景包含 8 句对话，1 条练习路径，帮你练熟和银行顾问的真实交流。
对话预览
国际汇款
basicI need to send some money to my family in China. What's the best way to do that?
我需要给中国的家人汇款。最好的方式是什么？
We offer international wire transfers. You can also use our online banking platform to send money abroad. How much are you looking to send?
我们提供国际电汇。您也可以通过我们的网上银行向国外汇款。您要汇多少？
About five thousand dollars. I'll need to do this regularly — maybe once a month.
大约5000美元。我需要定期汇——可能每月一次。
定期大额汇款要注意中国的外汇管制政策。每人每年有5万美元等值的结汇额度。
For regular transfers, I'd suggest setting up a recurring wire. The fee is thirty-five dollars per transfer. However, for monthly transfers, you might want to consider a service like Wise or Remitly — they often have lower fees and better exchange rates.
对于定期转账，我建议设置定期电汇。每笔手续费35美元。不过如果是每月汇款，您可以考虑Wise或Remitly这样的服务——它们通常费用更低、汇率更好。
How long does a wire transfer to China usually take?
电汇到中国通常多久？
Bank wires to China typically take two to four business days. The receiving bank in China may also require the recipient to visit a branch to pick up the funds, especially for larger amounts.
银行电汇到中国通常需要2到4个工作日。中国的收款银行可能还要求收款人去网点领取资金，特别是大额汇款。
中国的银行处理国际汇款时，特别是大额，常需收款人亲自到银行办理手续。
Can my family receive it directly in their Chinese bank account in yuan?
我家人能直接在中国的银行账户里收到人民币吗？
Yes, you can send it in US dollars and the receiving bank will convert it to yuan at their rate, or some services let you lock in the exchange rate before sending. The recipient's bank may require them to show ID and sign paperwork for foreign currency receipts.
可以，您可以发美元，收款银行会按他们的汇率转换成人民币。有些服务可以在发送前锁定汇率。收款银行可能要求收款人出示身份证并签署外币收入文件。
关键短语
international wire transfers
国际电汇
send money abroad
向国外汇款
recurring wire
定期电汇
lower fees
更低的费用
better exchange rates
更好的汇率
two to four business days
2到4个工作日
visit a branch
去网点
pick up the funds
领取资金
lock in the exchange rate
锁定汇率
foreign currency receipts
外币收入
文化注释
- •定期大额汇款要注意中国的外汇管制政策。每人每年有5万美元等值的结汇额度。
- •中国的银行处理国际汇款时，特别是大额，常需收款人亲自到银行办理手续。
如何练习
听一遍
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逐句跟读
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