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Are there any fees for overseas credit card transfer payments?

Can overseas virtual credit cards transfer money?

You can transfer money. Overseas virtual credit cards have the transfer and remittance function. Some virtual credit cards cannot transfer money, so first you need to determine whether your credit card can transfer money and remit money. (To another bank). Secondly, if you are remitting money overseas, you generally need to have a foreign currency account or a multi-currency international credit card.

Can China Merchants Bank’s VISA credit card be used to transfer funds abroad online

All credit cards cannot be transferred. There is only one overdraft limit (for example, a limit of 3,000 yuan), which can only be used for consumption, such as overseas online payment, which China Merchants Bank supports. If you hold a CMB credit card with a VISA, MASTERCARD, JCB or American Express logo on the card, it can be used overseas (including Hong Kong, Macao and Taiwan) (including online payment).

Overseas consumption by credit card through international lines will be settled in US dollars. If the consumption amount is non-US dollars, there will be an exchange fee between the two currencies, which is 1.5 of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

Extended information:

Currently, China Merchants Bank’s credit card can provide three methods for transfer operations, namely ATM transfer, telephone cash advance and online banking cash advance, all of which require a credit card to handle business The transaction password has been set and the cash advance function has been activated. The fees, interest, and limits are the same as for domestic RMB cash advance business, that is, within the available limit of cash advance, the cumulative daily cash advance amount of each card shall not exceed RMB 2,000, and the handling fee is 1% of the transaction amount, with a minimum charge ¥10 yuan/transaction; does not enjoy interest-free repayment treatment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the settlement date, and compound interest will be charged on a monthly basis. (Supported currency: RMB)

1. Lenovo Computer V14 10th Generation Core Windows 10 system, search China Merchants Bank on Baidu, log in to the official website, and click "Online Payment Function Application";

2. Lenovo computer V14 10th generation Core Windows 10 system, search China Merchants Bank on Baidu, log in to the official website, click "VISA/MASTER Verification Service";

3. Lenovo computer V14 10th generation Core Windows 10 system, search China Merchants Bank on Baidu, log in Official website, activate VISA/MASTER verification service payment function.

When abroad, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) to swipe the card.

Swiping a card on UnionPay lines will be settled directly in RMB; swiping a card on international lines will be settled in US dollars. Since overseas purchases by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, conversion fees between the two currencies will be incurred.

If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur.

When abroad, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) to swipe the card. There is no need to activate the card swiping function additionally. There will be a card swiping fee. Swipe cards on UnionPay lines, settle in RMB, and repay in RMB; swipe cards on international lines, settle in U.S. dollars, and repay in U.S. dollars, or enable the function of purchasing foreign exchange and repaying with a credit card. Warm reminder: If you take the international route, your purchases will be settled in U.S. dollars (except credit cards in all currencies). Therefore, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies (approximately 1.5 of the transaction amount). If the UnionPay line is used or the consumption amount is US dollars, there will be no foreign exchange settlement fee. When swiping cards overseas, it is recommended that you choose UnionPay channels.

Can foreign bank cards be transferred to domestic bank cards?

Foreign bank cards can be transferred to domestic bank cards, but there are certain conditions. First, you must open a U.S. dollar and RMB general deposit account at the Industrial and Commercial Bank of China, and transfer the U.S. dollar remittance to the domestic ICBC U.S. dollar account through overseas Bank of China in the form of U.S. dollar remittance. The bank charges a handling fee for the U.S. dollar remittance, so that you can use domestic UnionPay ATM tellers. Withdraw USD cash.

If you use Taobao in the United States, you can apply for a dual-currency (UnionPay VISA) credit card at China Merchants Bank, open a savings account, pre-deposit some RMB, and then set up credit card repayments to automatically transfer funds from the savings account .

Taobao’s payment tool is Alipay, and China Merchants Bank credit cards support Alipay transfers. At the same time, China Merchants VISA credit card can also be used directly to make purchases in the United States. Consumption in the United States is calculated in RMB based on the foreign exchange rate of the day. When the repayment date comes, the bank will automatically transfer funds from your savings account to your credit card. And you can also transfer money directly to a savings account at China Merchants Bank in the United States.

How much can be transferred with a credit card?

50,000 can be transferred.

The transfer limits of China Merchants Bank mainly include the following:

1. If it is an ATM transfer, the daily transfer limit is 50,000 yuan, and you can apply for an increase at the counter.

2. If it is an online banking transfer, the single limit is 30,000 yuan and the single-day cumulative limit is 50,000 yuan.

3. If it is a mobile banking SMS verification code transfer, the maximum single-day limit is 200,000 yuan. Users can apply for face-scanning transfers to handle large transfers of 200,000-1,000,000 yuan.

The daily transfer limit of China Merchants Bank’s mobile banking is divided into two situations:

1. Electronic bank transfer (that is, the original SMS verification code transfer): up to 1 million/transfer, 5 million/ sky.

2. UKEY verification code transfer: 500,000/day.

Note:

1) The maximum limit for a single transaction in the cross-bank real-time payment mode is 50,000 yuan;

2) If the transfer fails and is returned, it will also occupy the same day's transfer limit. .

3) If you open an account without an ID card (including a temporary ID card), the maximum limit for electronic bank transfer is 200,000/day.

There is no limit on the amount of money you can withdraw with China Merchants Bank Deposit Card at the counter. Large withdrawals require an appointment in advance. The maximum daily limit for withdrawals from ATMs is RMB 20,000.

The cash advance limit of a credit card is generally 50 of the credit limit (the cash advance limit of the youth version of the young card is 100 of the credit limit).

① The cumulative daily cash withdrawal limit for each card at domestic UnionLian Road ATMs is RMB 10,000; the cumulative daily cash advance amount for each overseas household shall not exceed the equivalent of US$1,000, and the monthly cumulative amount shall not exceed the equivalent of US$1,000. The credit card value is US$5,000, and the accumulated amount in 6 months does not exceed the equivalent value of US$10,000.

②The cumulative daily cash advance limit for the Financial Business Card ATM is RMB 20,000 (the daily cash withdrawal limit for the Wuhan Financial Business Card and Ruziniu Finance Business Card (regular card) is RMB 2,000).

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③The daily limit for overdraft transfer cards includes mobile life, mobile banking (including PAD Bank), and customer service telephone voice systems. The cumulative overdraft transfer amount per card per day shall not exceed RMB 5,000. The daily accumulated amount per card of online banking (public version, professional version) shall not exceed RMB 2,000.

The credit card overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum limit does not exceed 50% of the cardholder's credit limit. The daily ATM cash withdrawal limit per person per card is 2,000.

1. Cash withdrawal with domestic and foreign credit cards

If there is a UnionPay logo on a domestic credit card, it means that the card has joined the China UnionPay organization. Cardholders can withdraw cash at any ATM with the UnionPay logo

Overseas In addition to Hong Kong, Macao and Taiwan, there are many countries where the UnionPay system is not popular, so most overseas cash withdrawals need to go through the international card organization channel. This depends on whether the card you hold is an international card. It is easy to identify international cards by looking at whether there are logos of credit card organizations such as Visa or Master on the credit card in addition to UnionPay.

2. Credit card overdraft cash withdrawal

The overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum does not exceed 50 of the cardholder's credit limit. Each person and each card can withdraw cash from an ATM. Daily limit 2000.

In addition to the cash withdrawal fees for credit card withdrawals, interest must be paid for overdraft withdrawals at home and abroad. Some banks can enjoy interest-free treatment.

Overpayment cash withdrawal is when the cardholder withdraws the funds stored in the card or the funds overpaid during repayment. Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If there is a need to increase the available limit of an additional card, the cardholder should call the bank's telephone service hotline to apply.

3. Credit card cash withdrawal methods

Credit card cash withdrawals mainly include overdraft cash withdrawals and overdraft cash withdrawals. Overdraft cash withdrawals are small cash loans provided by banks to cardholders. Help cardholders flexibly allocate funds when they are in urgent need.

Cash withdrawal of overpayment refers to the funds that credit card customers overpaid when repaying or the funds deposited in the credit card account. A certain amount of handling fee is required to withdraw the overpayment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

Can credit card remittance be repaid overseas?

Hello, our credit card accepts US dollar cash for overseas remittances. Warm reminder: 1. Please consult the remittance bank for the specific filling specifications of the remittance application form. If you have special requirements, please provide our bank's remittance route to the remittance bank and let its staff fill in the relevant forms for you to avoid errors. 2. Other banks will charge certain fees for repayment in this way, and the fees incurred need to be borne by you. 3. Repayment method Since inter-bank transactions take a long time, please try to remit the money 3 working days in advance.

If you still have questions, please open the homepage of China Merchants Bank and click "Online Customer Service" in the upper right corner to enter the consultation.

Can Bank of China credit cards be used to remit money abroad?

Bank of China credit cards do not support remittances abroad.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

This is the end of the introduction about overseas credit card transfers and whether there are handling fees for credit card overseas transfer payments. Did you find the information you need?