Can an individual open a foreign currency account?

OK. Account opening steps.

1) When the account opening unit handles the receipt and payment of the account, it must issue the "Foreign Exchange Account Use Certificate" to the bank.

The depositary bank shall handle the receipt and payment of the account for the opening unit by virtue of the scope of account income and expenditure specified in the Foreign Exchange Account Use Certificate. Without the approval of the State Administration of Foreign Exchange, no account opening unit or bank may use the account beyond the scope of the account.

2) The account opening unit shall use the account in accordance with the provisions of the "Approval Letter for Opening a Foreign Exchange Account" and the "Foreign Exchange Account Use Certificate" on the maximum account limit, use period, foreign exchange settlement method, etc., and shall not use the account beyond the scope or time limit.

For accounts with net income that need to be settled, the account opening unit shall handle the settlement of foreign exchange in a timely manner. If the account needs to be extended due to the progress of the project, it should be applied to the foreign exchange bureau in advance, and it shall not be extended without approval.

3) Approved foreign exchange accounts must participate in annual inspection every year.

The account opening entity shall comply with the Regulations on the Annual Inspection of the Current Account of Chinese-funded Enterprises of Domestic Institutions and relevant supplementary regulations. The annual inspection time is from January to April every year.

The specific inspection of the account shall be carried out by the accounting firm entrusted by the account opening unit. The State Administration of Foreign Exchange (SAFE) approves the list of designated accounting firms once a year and publishes it to the account opening unit. The account opening unit chooses an accounting firm to conduct an annual inspection of its account.

Yes, the general bank debit card has a foreign currency function, you can ask the other party to transfer the money to your card, but the amount cannot be too large If the individual exceeds 1000 US dollars, you will have to declare it, and the bank will ** you and let you declare.

Tutorial on how to open a USD account online:

1. Open. 2. Submit the information required for registration step by step.

The process is as follows: Preliminary review: first provide the information, and the bank will conduct a preliminary review, which will take 1 to 2 working days.

Next account: The bank will send an email to the customer's email address within 1 to 2 working days, including:

Postal shield: After the bank sends the customer for activation, the bank will send out the shield to you.

If the cumulative value of foreign exchange in the foreign exchange savings account is less than 50,000 US dollars (inclusive) on the day of remittance abroad, it shall be handled at the bank with the identity card; If the above amount is exceeded, there is a certificate of authenticity of the transaction amount under the current account.

If the amount exceeds the above-mentioned amount, it shall be handled with the authenticity certificate of the transaction amount under the current account, the Declaration Form of the Customs of the People's Republic of China for the Baggage and Articles of Inbound and Outbound Passengers signed and stamped by the Customs, or the withdrawal document of foreign currency cash from the original deposit bank.

In addition, the annual limit for foreign exchange settlement and foreign exchange sales for individual residents is US$50,000.

If you have a large amount of foreign currency deposit certificates that need to be remitted abroad, more than 50,000 US dollars, you need to provide authentic transaction history certificates, and there are strict regulations on foreign exchange, not as much as you want.

from abroadSend moneyThe methods and limits for personal accounts are as follows:

1) How to remit money from a foreign company's account to a domestic personal account: open a passbook of a settlement account with a Bank of China.

Or card, and then ask your local Bank of China for a remittance route, and then send the remittance path and your card number to foreign customers, you can wait for the bank ** to notify the foreign exchange, you can do foreign exchange settlement and exchange business.

2) Foreign remittance to the domestic personal account, the remitter has no restrictions, but the recipient has an ID number, can only settle 50,000 US dollars a year, if it is a company account, there is no limit, China stipulates that each citizen can settle and sell foreign exchange is 50,000 US dollars per year, that is, if it is an individual to accept money, at most 50,000 US dollars At the same time, if it is an institution to give money to an individual, the bank may ask for a remittance ** certificate.

First of all, it is important to see what kind of funds do you have? If it is ** payment, you can directly apply for ** foreign exchange settlement after submitting information at the local bank counter after filing tax returns from the customs.

If it is investment, consulting, software, virtual, remuneration, etc., this kind of virtual ** transaction without logistics, you need to provide an application for foreign exchange settlement to the pilot bank with a policy, and the bank will give you a foreign exchange settlement after viewing, this method does not account for 5w per person per year There will be different branches in different cities with pilot bank policies, such as Bank of Communications, Agricultural Bank of China, Chouzhou, etc., I have personally used my local policy before, you can also contact the manager of the pilot bank, and you don't need to open an account offline, You can open an account online, which is still very convenient.

If you have a private message, you will answer it when you see it.

Summary. Hello dear <>

We are glad to answer for you: the process of handling a personal foreign exchange account is 1. Before opening a foreign exchange account, you need to apply for import and export rights. 2. Opening a foreign exchange account is not at an ordinary bank window, and it is usually necessary to make an appointment with the bank's foreign exchange account manager first.

3. One currency corresponds to one foreign exchange account. 4. After the currency is first, bring the company's common documents (business license, etc.) and import and export documents (operator filing, etc.), as well as the official seal, and hand them over to the bank to open a foreign exchange account. 5. After receiving the information, the bank will review the company's information.

6. Fill in the relevant information and submit it according to the above requirements. 7. After the bank passes the review, you can open a foreign exchange account for it.

How to handle a personal foreign exchange account.

Hello dear <>

We are glad to answer for you: the process of handling a personal foreign exchange account is 1. Before opening a foreign exchange account, you need to apply for import and export rights. 2. Opening a foreign exchange account is not at an ordinary bank window, and it is usually necessary to make an appointment with the bank's foreign exchange account manager first.

3. One currency corresponds to one foreign exchange account. 4. After the currency is first, bring the company's common documents (business license, etc.) and import and export documents (operator filing, etc.), as well as the official seal, and hand them over to the bank to open a foreign exchange account. 5. After receiving the information, the bank will review the company's information.

6. Fill in the relevant information and submit it according to the above requirements. 7. After the bank passes the review, you can open a foreign exchange account for it.

Foreign exchange account refers to the account opened in freely convertible currency by domestic institutions, institutions and individuals in China in banks and non-bank financial institutions that have been approved to operate foreign exchange deposit business in accordance with the relevant account management regulations. In China, foreign exchange accounts are opened in banks, but the approval authority for opening foreign exchange accounts is the State Administration of Foreign Exchange. Therefore, all domestic institutions that want to open a foreign exchange account must first go through the approval procedures with the State Administration of Foreign Exchange, and go to the bank to open an account with the "approval document for opening a foreign exchange account under the current account (or capital account)" issued by the State Administration of Foreign Exchange.

In addition, the bank will give some practical guidance to the account opening unit on how to go to the foreign exchange bureau to go through the approval procedures for opening an account, and some banks can even send professionals to handle all the account opening procedures for the enterprise.