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Wednesday, July 22, 2015

网上电汇美国 Online Telegraphic Transfer

3/7/2015:初稿发布
22/7/2015:次稿发布,添加CIMB和HSBC的示范


上次与大家分享过《如何电汇美国与收费 Telegraphic Transfer / Wire and Bank Charge

Ali刚刚发现可以通过网上做电汇 Online Telegraphic Transfer。无需出门,无需到银行柜台,就可以电汇。方便容易。但是缺点是网上电汇款额有顶限(RM10,000)

在这里再和大家分享真实经验:


电汇主要资料:
Beneficiary name : TD Ameritrade Clearing, Inc.
Beneficiary Address: 200 South 108th Ave, Omaha, NE 68154-2631

Beneficiary bank: Wells Fargo Bank, NA
Bank Address : 420 Montgomery Street, San Francisco, CA 94104
SWIFT code : WFBIUS6S
Account #: 4123214561

或者
Beneficiary bank: First National Bank of Omaha
Bank Address : 1620 Dodge Street,Omaha, NE 68197
SWIFT code : FNBOUS44XXX
Account # 16424641

(以上两家银行都能使用)


渣打银行
Ali采用的是Standard Chartered Bank 渣打银行,因为她只收国内收费,没有国外费用。相比之下渣打银行电汇费用较平宜。但是缺点是你必需在其银行有户头,分行不多,(请查询https://www.sc.com/my/atms-and-branches.html

你登入渣打银行网址https://www.sc.com/my/ (图1)
图1

登入后,去Payments & Transfers,选Online International Telegraphic Transfer (图2)
图2
然后,填上TD Ameritrade 银行资料,如下(图3)。注:ID/passport 这栏,填TD Ameritrade 在Wells Fargo银行的户头号码 4123214561 就可以了。
图3
Setup好Online International Telegraphic Transfer 。开始进行电汇:(图4)
选你要电汇的货币 Currency of Remittance : USD
输入款项 Amount of Remittance: 3030
收费Charges :  All local and oversea charges borne by applicant (OUR)
图4
填上Well Fargo Bank, Swift Code: WFBIUS6S  (图5)
注意:
(填你的名字和你的TD 户头号码)
[Your name]
Account #995007389 followed by 

Your nine digit TD Ameritrade Singapore account number
[Your address] if required
Example: 
BA FEI TE
Account #995007389 220123456

图5
电汇的目的  Purpose of Transfer : Investment/ Others: Buy Stock (图6)
下面会出现 Foreign Exchange Administration Declaration Form
图6

注:根据你个人信贷状况填写。请再审查一次,确定无误,然后“呈交”
什么是 Domestic borrowing
Domestic borrowing 是指任何借贷,包括trade financing, hire purchase, factoring, leasing, redeemable preference shares或其他类似,但不包括:
· Trade credit terms extended by a supplier for all types of goods & services
· Forward exchange contracts entered with authorised dealers
· One personal housing loan and one vehicle loan 一个个人住房贷款和一个车贷
· Credit card and charge card facilities 信用卡和签帐卡设施

CIMB银行
登入CIMB银行网址http://www.cimbclicks.com.my/
去到“Foreign Telegraphic Transfer”,如(图7)
1. Account From : 选择你的户头
2. Beneficiary Name: TD Ameritrade Clearing Inc.
3. Beneficiary IC/ Passport: 填上你的TD户头号码(:一般可以payment detail/remark,附带指示转账到你的TD户头,可是CIMB没有这一栏)
接下来,填入Beneficiary Address
图7

然后(图8)
1. Beneficiary Contact No. : 18004549272
2. Beneficiary Account No. : 4123214561
3. Routing No. : 121000248
4. Beneficiary Bank Name : Wells Fargo Bank, NA
与其银行资料。
图8
(图9)Purpose of Payment:  Capital Transaction, Equity Investment Abroad

图9

(图10)Term and Conditions 阅读条款和条件后,
1. 请再审查一次,确定无误,然后“呈交”【Submit】
用CIMB银行做网上电汇有一点要注意,其网站有时限(Time out)5分钟,你必须在限定的时间里填完所有资料,不然系统自动跳出,白做一场。小小建议:先把所需的资料以顺序填在Word/ Notepad里,用copy and paste方法比较快。

图10

HSBC银行
登入HSBC银行网址https://www.hsbc.com.my/
1. 去到“Transfer”(图11)
2. From account:选择你的户头
3. Transfer to: Oversea Beneficiary (telegraphic Transfer)
图11
(图12)Beneficiary Detail:
1. Country/territory: UNITED STATE
City: SAN FRANCISCO
Bank and branch name: WELLS FARGO BANK NA (CA)
2. Name: TD Ameritrade Clearing Inc.
3. Account number: 4123214561
填入你要汇的银额。
图12

(图13)Payment Detail
(填你的名字和你的TD 户头号码)
[Your name]
Account #995007389 followed by 

Your nine digit TD Ameritrade Singapore account number
[Your address] if required
Example: 
BA FEI TE
Account #995007389 220123456
图13
(图14)Exchange Control
1. Purpose of payment: (建议用编号16800 Personal, cultural and recreational services)
(如果用有***的编号,需要国家银行准许,不能网上进行电汇。
2. 再输入16800
3. 请再审查一次,确定无误,然后”呈交“【Transfer】
图14

Hong Leong Bank
请按连线

其他银行:

除了渣打银行,CIMB,HSBC之外,Maybank, Public Bank,也是有网上电汇服务 Online Telegraphic Transfer。不过Ali没有亲身经历。(如果读者有使用过,请留言分享)
注:有些银行网上电汇服务有限时间。网上电汇顶额RM10,000
Maybank 只限于Monday to Friday 10:00 am - 6.00 pm. 顶额RM30,000
Public Bank 只限于9.30 a.m. to 3.00 p.m., Mondays to Fridays excluding Federal Territory Public Holidays
HongLeong 只限于7:00 a.m. to 11:00 p.m. daily. 顶额RM45,000比其他银行高

Maybank2u 的用户注意:由于没有地方填写TD acc 户头号码。你可以把TD acc 填在ID/passport 里。



各个银行的电汇费用,请参考《如何电汇美国与收费 Telegraphic Transfer / Wire and Bank Charge

【十载投资,路在何方,扎根本土,放眼世界】

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33 comments:

  1. i had been using both Maybank and CIMB transfer money to US.
    Transfer money to optionxpess, JPMorgan chase Bank.

    For CIMB online transfer, service charge RM10/transaction ONLY.

    For CIMB walk-in counter transfer, service charge RM30, PLUS US bank charge USD $15.

    For Maybank online transfer, service charge RM10, PLUS US bank charge USD $20.

    Above scenario just for transfer money to optionxpess, JPMorgan chase Bank ONLY.

    ReplyDelete
    Replies
    1. 谢谢你宝贵的经验分享,让广大读者受惠。

      Delete
  2. For withdrawal money from optionxpress to CIMB:

    international withdrawal charges USD $30 PLUS RM5 (cimb charge)

    based on my experience, withdrawal money from US to Malaysia bank account MORE THAN Rm10k will no be a problem

    ReplyDelete
  3. This comment has been removed by the author.

    ReplyDelete
  4. ali, what do you mean domestic charged by SC but no international charge? Do you mean Td Ameritrade's US clearing bank won't charge us any fee?

    ReplyDelete
    Replies
    1. yes, US side no charge

      Delete
    2. but your Standard Chartered's remittance example, there is a dropdown"Charges" All local and oversea charges borne by applicants', is it really no charges?

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    3. Yes. I did few TT via standchart, only local charges RM35+6%GST. No charge on oversea side.

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    4. Which type of savings account I need to open? Is it JustOne Personal?

      Delete
    5. any account type, "JustOne" is ok.
      you also invest oversea, which broker you use?

      Delete
  5. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. I didn't invest for the moment but i will consider and now keep following on type of US listed ETF. Tdameritrade is the best platform.

      Delete
    2. when you open TD ameritrade, and need a introducer next time, please let me know. we can share the $50 reward

      Delete
    3. I opened long time ago but don't know what counter to buy, US market is more volatile and complicated.Don't know don't play this is my rule of thumb in investment

      Delete
  6. Hello, may I know if you can share me any experience of transferring USD fund from local brokerage (particularly HLeBroking) to TD Ameritrade?

    ReplyDelete
    Replies
    1. I think there is no direct transfer. You may need withdraw USD fund to your local bank account (no charge) then TT to TD ameritrade account (charge applied depends on which bank you use).

      Delete
  7. 如果是用public bank的要怎么做?

    ReplyDelete
    Replies
    1. 没有example。应该差不多方法

      Delete
    2. Public bank的完全不一样

      Delete
    3. Purpose of Remittance
      -transaction of RM10,000.99 and below between resident and non-resident
      -transaction abroad between non-resident effected by resident fis
      choose which one?

      Delete
    4. Is this Foreign Workers Remittance transaction? *
      Yes Or NO?

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    5. i think:
      -transaction of RM10,000.99 and below between resident and non-resident
      -NO

      Delete
    6. -i do not have domestic ringgit borrowing
      -i have domestic ringgit borrowing and the investment abroad has not exceeded RM1 million equivalent in aggregate per calender year using foreign currency funds sourced from conversion of ringgit
      -this investment abroad is not in accordance to the above requirements and i have obtained bank negara malaysia's prior approval
      which one?

      Delete
    7. This is your personal financial status. If you have no borrowing then fill no borrow

      Delete
    8. 今天我用Online Telegraphic Transfer了,但是public bank打电话跟我说他们找不到Beneficiary name里填的TD Ameritrade Clearing, Inc,我应该怎么办?到底发生什么事?

      Delete
    9. 我们都是用TD ameritrade clearing, Inc,没有问题。 你确保银行 wells fargo 的资料对? 我也不懂什么问题。还是hong leong online, so far 没有问题

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    10. This comment has been removed by the author.

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    11. This comment has been removed by the author.

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  8. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. 是。注:只限第一次。

      Delete