For international students who come to the UK for the first time, which bank account is better?

Because to open an account in the UK, you need to open a letter of introduction at the school first, and then go to the bank to handle it, and the processing time is probably better to use "take the card after it is done in China", but this involves real-time changes in the exchange rate.

It depends on which one is closest to you.

It is not safe and inconvenient to go abroad with a large amount of cash, and it is better to get a bank card that can be accessed in a different place and carry it with you. However, convenience is not free, and there is a service fee for remote access. It is recommended to get a bank card with online banking before going abroad, and both ICBC and Bank of China have bank cards specifically for students going abroad.

1. Visa card:

Visa cards are the most convenient and can be used all over the world, but the application procedures are more troublesome and have to wait for a long time, if you have a visa card, you can take it with you, so you don't have to go to a special ATM.

2. Master Card:

Mastercard is also an internationally accepted credit card, similar to the visa card, basically all places in Japan that can be used to spend and withdraw money have visa and mastercard logos, but visa is more widely distributed, more people use it, mastercard is also a good choice for international students, but in the same way, its procedures are more cumbersome, and the time interval is longer.

3、jcb：

JCB is also an international credit card, which is jointly issued by the three major banks in Japan, so it will be very convenient for you to choose to bring a JCB credit card if you go to Japan to study.

4. UnionPay card:

This is the most common, but also the most common kind in China, fast processing, simple materials, but this is limited in Japan, can only be used in specific stores and banks for consumption and withdrawal, the best is a visa card, MasterCard card can also withdraw money and direct payment in many places, UnionPay cards have some restrictions, not everywhere can be used, such as Japan's post office, Mitsubishi Bank can be withdrawn, the handling fee is very cheap, in addition to some foreigners can also directly swipe UnionPay card.

It is recommended that the Bank of China's sterling dual currency card, the main card and the auxiliary card, can spend pounds in the UK, and the family can also pay RMB in the country, it is a master card, as long as there is a POS machine where you can swipe, all recognized. The annual fee can be waived for five swipes of the main card and supplementary card, and as long as you do not withdraw cash, there is no handling fee. And the safety is good, and it has a good reputation among British students.

Take a part of the cash appropriately, or a money order, and go to the local bank card after going to the UK, of course, if you don't mind, you can also not have a card over there, and the interest is not high. But keep in mind that if you want to go to Europe, you will need to provide a statement from a local bank in the UK for a Schengen visa, so you will need a card when you go. A lot of things over there require a bank statement as proof of address, so one is a good choice.

Remember to choose a bank with more local outlets, things are slower there, and when there are many international students, the bank with more outlets will accept it faster. In addition, don't take RMB abroad, you must have exchanged pounds in China to bring it. Other currencies don't play much, if you want to go to Europe to play you can bring some euros, but it's really not necessary, you can exchange pounds for bereaudechange over there, everywhere, very convenient.

In addition, card shopping is very popular in the UK, and large expenses can be done by swiping a card. It is better to buy a bill of exchange for large pounds, so that there is no commission for depositing it in a British bank. Or bring 2,000 pounds of cash to the UK for daily life, and then apply for a bank card in the UK, and transfer it to the UK through bank wire transfer at home, which is convenient and safe, and the bad thing is that a little handling fee will be charged.

In addition, if you apply for a pound card in the Bank of China, you can withdraw cash by swiping the card in the UK, but it is not as convenient and easy to use as a UK card, and each cash withdrawal will charge a handling fee. Hopefully you choose.

In the case of credit cards, China Merchants Bank and Bank of China for foreign exchange purchase and transfer.