十载投资,路在何方,扎根本土,放眼世界

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Monday, June 6, 2016

如何电汇美国与收费 Telegraphic Transfer / Wire and Bank Charge

4/6/2015: 初稿发布。
22/7/2015: 更新表1,表2。
6/6/2016: 更新表1,表2
22/2//2017: 更新表2

在上一篇《投资美股》里说过,第一个成本是证商的交易收费。

第二个成本便是货币汇率,美股交易当然是用美金交易,投资者还承担汇率风险。电汇(Telegraphic transfer/ Wired)到美国。一般电汇是通过商业银行进行,每家银行的汇率不同(表1),投资者需要先了解和比较。(以下汇率只是例子,实际汇率请查问各个银行)

Bank
Sell TT / OD
Buy TT
4.1440
4.0380
4.1600
4.0350
4.1575
4.0305
4.2230
3.9780
4.1630
4.0130
4.1542
4.0363
表1

除了汇率,还有每家银行服务收费也不一样。(例如有些银行的跨行转账Interbank GIRO,不用缴GST)。

电汇收费分两部分,一是本地银行收费,从RM25至RM35,还需付GST 6%。
二是海外银行收费,也是项隐形收费(hidden cost)。比如你想汇$3000美元,在本地银行柜台缴交所需的马币银额,再加服务费RM26.50。但是你的$3000美元,可能只有$2974存入你美国户头。$26是被外国银行(第三方)抽掉了。有些本地银行收费便宜,但国外银行收费高,所以你不能只是单单比较本地银行的收费而已。(注:你必须在该银行拥有储蓄/来往户头,才能电汇,银行不接受walk-in cash现金做电汇)



以下是Ali用过的银行收费的真实案例:

Maybank: 

国内收费RM25+GST,共RM26.50。国外收费$24至$28美元,(国外收费不清楚如何计算,有时抽多,有时抽少,好像靠运气)。

电汇所遇到的问题:有读者电汇时被拒绝,因为在表格里purpose栏中填"Investment"(红圈),不被接纳。但是Ali同样在Maybank电汇几次,没有这问题,以下是Ali的电汇收据(图2)
图2:Maybank TT

Hong Leong:

国内收费RM30+GST,共RM31.80。国外收费$15美元。
在Payment Description 栏里填"Investment"(红圈),没有问题。
图3:HongLeong TT

Public Bank:

国内收费RM30+GST,共RM31.80。国外收费$18美元。
在Purpose Description 栏里填"Investment"(红圈),没有问题。
图4:Public Bank TT
以上的单据只有列明国内收费,没有注明国外收费多少(绿色的格子)。所以说是项隐形收费(hidden cost)。

Standard Chartered Bank:

国内收费RM35+GST,共RM37.10。国外没有收费
电汇需填(Remittance Application Form)和另一张表格(Foreign Exchange Administration Declaration Form):下载
★注: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

图5:SC TT
国内银行在美国没有分行,需要通过第三方银行,所以需要缴付第三方银行费用。而一些国际银行(如渣打),无需通过第三方银行,没有另外收费。

以下(表2)是电汇收费供读者参考,详情请查问官方银行。(此表不完整,希望读者如有其他银行的电汇经验,请留言,以作日后其他读者参考,Ali在此先谢谢资料提供者)。

Bank
Counter (note 1, 4)
Online TT (note 1, 3)
Oversea Charge
Total (note 2)
Maybank
RM26.50
RM10.60
USD 24 to 28
RM 110.20 to 142.70
Public Bank
RM31.80
RM10.60
USD 18
RM 85.3 to 106.50
Hong Leong
RM31.80
RM21.20
USD 15
RM 83.45
CIMB
RM31.80
RM10.60
USD 20
RM 93.60 to 114.80
RHB
RM31.80



Alliance Bank
RM26.50



AmBank
RM26.50
RM21.20


UOB
RM26.50

USD 18
RM 101.20
OCBC




StanChart
RM37.10
RM37.10
Free
RM 37.10
HSBC
RM26.50
RM26.50
USD 20
RM 109.50
CitiBank





Note:
1. Inclusive GST. Malaysia bank service charge subject to GST 6%
2. Total cost estimated based on exchange rate of USD/RM 1:4.15000
3. Transaction limit, max RM10,000 per day. For Maybank2u is RM30,000, HongLeong is RM45,000
4. Commission: RM2.00 plus RM0.12 GST. No charges if remittance amount exceeds equivalent of RM5,000
5. Some of the bank transaction cut-off time are 2:30pm, and some are 4:00pm, pls refer to the bank for more info. 
表2

有些银行提供网上电汇服务,请参考【网上电汇 Online Telegraphic Transfer

★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★

至Ali推荐开户的读者

如果你已经成功开户,要电汇到你的TD Ameritrade户头,请跟着以下步骤:
My Account >  Deposits & Transfers > Cash Transfers > 1. Select Transaction > Deposit to TD Ameritrade
图6
选Wire,就会pop出大慨以下的内容,然后print 打印出来,去银行电汇。
图7

注意的事项:
(这里是以前TD Ameritrade (US) 的,而TD Singapore 汇钱方法有点不同。请根据官方
https://www.tdameritrade.com.sg/tdaa/data/SG/TDAS-804.pdf

1. Well Fargo Bank, Swift Code: WFBIUS6S,或First National Bank of Omaha,Swift Code: FNBOUS44
2. 电汇时,一定要求银行职员加入remark/ payment detail。你的名字和TD(9 digit) 户头号码。
例如:“FBO (your name) Account No: 123456789" 
FBO = For the Benefit Of
3. 在4:00pm 前电汇,资金同一天汇入TD户头。大慨在晚上10至11点,你的资金就会出现在TD了。
4. 很多读者做电汇transfer时遇到问题,请读者先联络Ali,boonlee77@gmail.com 或者你有Ali 的whatsapp。Ali将协助您。



★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★
Request a wire transfer

To initiate a wire transfer, please contact your bank and supply them with the following information.

If your financial institution is located in the United States, wire to:

Wells Fargo Bank, NA
420 Montgomery Street
San Francisco, CA 94104
ABA transit routing #121000248

For credit to:
TD Ameritrade Clearing, Inc.
200 South 108th Ave
Omaha, NE 68154-2631
Account #4123214561

On behalf of: 

Your name 
Your TD Ameritrade account number (Use numbers only. Ex: 123456789)
Your address

If your financial institution is located outside the United States, wire to:

1.
Wells Fargo Bank, NA
420 Montgomery Street
San Francisco, CA 94104
Swift Code: WFBIUS6S

For credit to:
TD Ameritrade Clearing, Inc.
200 South 108th Ave
Omaha, NE 68154-2631
Account #4123214561
Tel: +1-800-669-3900


2.

First National Bank of Omaha
1620 Dodge Street
Omaha, NE 68197
Swift Code: FNBOUS44XXX

For credit to:
TD Ameritrade, Inc
200 South 108th Ave, 
Omaha, NE 68154-2631
Account # 16424641

(以上两家银行都能使用)

Payment details or for further credit to: 

(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


Please note:
  • Your bank must include the sender's name on the wire in order for it to be credited to your account.
  • All wires sent from a third party are subject to review, require verification before they are accepted, and may be returned.
  • TD Ameritrade does not accept third-party foreign wires.
  • TD Ameritrade does not charge a fee to accept wire transfers, but your bank may charge an outgoing wire fee. They may also charge a fee if the wire is rejected.
  • Contact TD Ameritrade (not Wells Fargo Bank) with questions about wire transfers.
  • Send checks directly to TD Ameritrade Clearing, Inc.
★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★

【十载投资,路在何方,扎根本土,放眼世界】

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如何提款和汇款回国TD Ameritrade Withdraw and Remittance back

22 comments:

  1. 你好~可以交换链接吗?
    http://alanstock888.blogspot.sg

    ReplyDelete
  2. ali 兄请问能否通过这些美国证券行购买新加坡股票? 是否会比较划算,还有他们是如何接受margin account 申请的 ?

    ReplyDelete
    Replies
    1. TD 没有提供买新加坡股。
      TD 有margin account,本身没有用过

      Delete
  3. Can try this http://www.eremit.com.my/ for trasnferring money to USA.

    Thks

    ReplyDelete
    Replies
    1. kino,
      thank you for info. Did you experience use it, eremit.com.my?
      any charger from oversea?

      Delete
  4. Hi, which account do you recommend to use for remittance, MBB or open a PBB/HLB/SC account?
    quite expensive to use MBB, would think use SC/PBB instead

    ReplyDelete
    Replies
    1. welcome! I have did the comparison of oversea remittance refer to 表2. my experience SC is cheapest.

      Delete
  5. Hello

    Is there max daily limit for TT to oversea with over the counter ?

    ReplyDelete
    Replies
    1. yes, RM 1 million a year. if more required BNM approval. Refer here

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

    ReplyDelete
  7. Hi, Just wonder if we now wired to TD ASIA which in Singapore through Maybank/ CIMB, does it still charge us 3rd party hidden fee since Singapore have Maybank and CIMb too... Thanks.

    ReplyDelete
    Replies
    1. Good idea. However Ali dont have Singapore bank acc. I can't do it.
      If you try it successfully, please down here a msg, it will help for many others reader then.

      Delete
    2. I dont have Singapore bank acc too with only have Malaysia's maybank & cimb acc indeed. I tot it is same theory with having an account here under Standard chartered bank. Anyway, wired through standard chartered bank still the most worthy rite? Thanks for the information...

      Delete
  8. Hello Ali,
    Few days ago I went to Standard Chartered to TT money to my TD-Asia account, but bank teller refuse to TT for me, reason given was I do not show supporting documents (to prove I wanted to buy USA shares). Also they said the "Details of Payment" column I cannot write [For further credit to 'my name / TD account number / Address'], but actually that was mentioned by TD-Asia wire-instructions!

    Not sure you bump with these scenario before? Is that new bank regulation to tighten the money transfer out from Malaysia?

    Now I am thniking whether to try online TT using Standard Chatered. Will it get rejected ?

    ReplyDelete
    Replies
    1. ya, some feedback same as you. maybe due to 1m*b issue.
      can email me for further discussion
      boonlee77@gmail.com

      Delete
  9. Hi Ali,
    Can I use other people's bank account (wife, sister, brother) to online TT money to my TD-Asia account?

    ReplyDelete
    Replies
    1. i think is possible. like we transfer money to 3rd party acc.
      but i never did it before

      Delete