Exchange is one of the transfer settlement methods. That is, transfer includes remittance. Among all the transfer methods, exchange is a more flexible and highly used method.

2. Transfer entities are different.

Bank transfer is a monetary fund settlement method that transfers money directly from the payer's (or individual's) bank account to the payee's (or individual's) bank account through the bank, and the transfer entity is a non-bank entity.

Exchange, also known as "exchange settlement", refers to the settlement method in which an enterprise (remitter) entrusts a bank to pay its money to the payee, and the transfer subject is the bank rather than the unit or individual.

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3. Different business flexibility

Transfers can be made between accounts opened in the same bank branch and between accounts opened in different bank branches in the same city. Remittance cannot be used between accounts opened in the same business outlet, but it can be remitted to banks in cities all over the country. As long as you join the payment system of the People's Bank of China, you can complete the remittance business.

References:

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References:

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