How to handle banking and telecom in English abroad?

Yes, we can help with that. Do you have an account with us, or would you like to do a walk-in wire transfer? Walk-in transfers have a slightly higher fee.

可以的。您在我们银行有账户吗，还是要办理临柜汇款？临柜汇款手续费稍高一些。

The wire transfer fee is $45 for non-account holders. The recipient's bank in China may also charge a receiving fee — typically around $10 to $20. And there's the exchange rate to consider. Our current rate is 1 dollar to 7.18 yuan.

非账户客户的汇款手续费是45美元。中国收款银行也可能收一笔接收费——通常10到20美元左右。还要考虑汇率。我们目前的汇率是1美元兑7.18元人民币。

💡 银行给的汇率通常比市场中间价差一些，这个差价也是银行的收入之一。可以对比几家银行的汇率再决定。

The rate is set by the bank and updates daily — unfortunately it's not negotiable for individual transfers. If you're sending over $5,000, we do offer a slightly better rate. You could also consider using a service like Wise or Western Union — they sometimes offer more competitive rates.

汇率由银行设定，每天更新——单笔汇款很遗憾不能协商。如果汇款超过5000美元，我们确实提供稍好的汇率。您也可以考虑使用Wise或西联汇款等服务——它们有时候汇率更有竞争力。

I'll need the recipient's full name — in English and Chinese characters if possible — their bank name, bank address, account number, and the bank's SWIFT code. Do you have all of that?

我需要收款人的全名——如果可以的话提供英文和中文名——收款银行名称、银行地址、账号和银行的SWIFT代码。这些信息您都有吗？

💡 SWIFT code 是银行的国际识别码，跨国汇款必需。中国各银行的SWIFT code可以在银行官网查到或提前问好收款人。

International wire transfers to China typically take 2 to 5 business days. Occasionally it can take a bit longer if the receiving bank needs to verify the transaction. You'll receive a confirmation number — keep it for your records. If the money hasn't arrived after 5 business days, contact us with that number.

汇往中国的国际汇款通常需要2到5个工作日。如果收款银行需要核实交易，偶尔会稍长一些。您会收到一个确认号——请保留好。如果5个工作日后钱还没到，带着那个号码联系我们。

That's correct. The recipient will receive approximately 14,360 yuan after our exchange rate conversion. Would you like to proceed? I'll need a valid photo ID to complete the transfer.

没错。按我们的汇率换算，收款人将收到大约14360元人民币。要办理吗？我需要一个有效的带照片证件来完成汇款。

Let me look that up for you... I can see the transfer was initiated on Monday. It shows as "in process" on our end. Sometimes international transfers get held up by intermediary banks — there's often a correspondent bank between us and the Chinese bank.

我帮您查一下……可以看到汇款是周一发起的。在我们这边显示"处理中"。国际汇款有时候会在中间行那里卡住——我们和中国银行之间通常有一个代理行。

I can submit a trace request — that will follow the money through the SWIFT network. It usually takes 24 to 48 hours to get a response. There may be a $25 trace fee. Would you like me to do that?

我可以提交一个追踪请求——会通过SWIFT网络追查这笔钱。通常24到48小时内有回复。可能需要25美元的追踪费。要我办理吗？

If the transfer hasn't been credited to the wrong account yet, we may be able to amend it. But if it's already been deposited, we'll need to initiate a recall — and that can take several weeks. The recall fee is $35. Can you give me the correct account number so I can compare?

如果汇款还没入错误的账户，我们也许能修改。但如果已经入账了，我们需要发起一个撤回——那可能需要几周。撤回费用是35美元。能给我正确的账号比对一下吗？

Don't worry, this happens. Let me check... Good news — the account number you originally gave doesn't match any existing account at the receiving bank, so the transfer is likely being held. We can submit a correction request. It should be resolved within 3 to 5 business days.

别担心，这种情况经常发生。我查一下……好消息——您原来给的账号在收款银行没有匹配到现有账户，所以汇款很可能被挂起了。我们可以提交一个更正请求。应该3到5个工作日内解决。

I'll waive the trace fee since we caught the issue early. You'll just need to pay the $35 correction fee. I'll process everything now. You should receive a confirmation email within the hour, and I'll call you when the trace comes back.

追踪费我给您免了，因为发现问题比较早。您只需要付35美元的更正费。我现在就处理。一小时内您会收到确认邮件，追踪结果回来后我会打电话给您。

That's what we're here for. In the future, I'd recommend double-checking the account number with the recipient before sending. Here's my direct extension — if you have any follow-up questions, call me directly.

这是我们应该做的。以后建议汇款前跟收款人核实一下账号。这是我的直线分机号——有后续问题直接打给我。