Can an individual go to the bank to 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.

Online USD Account Redemption Tutorial:

1. Open the bank).

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.

The personal account can accept foreign remittances, and the annual foreign exchange settlement and sales quota of 50,000 US dollars (inclusive) per person in China can be accepted.

According to the regulations of the State Administration of Foreign Exchange, in principle, foreign exchange savings accounts of domestic residents shall not be used for corporate settlement. In principle, remittances from overseas companies to domestic individuals cannot be recorded in the following circumstances:

1. The other party is a ** company, an investment company;

2. The remittance postscript can be seen to be the first payment;

3. The payee declares that the payment is under the capital account or the payment for goods;

4. Other funds that cannot be recorded in the account as considered by the local foreign exchange management.

If the amount does not belong to ** and operating investment foreign exchange, it can generally be recorded in the account, but the bank will also review the authenticity and legitimacy of the amount.

1. To the State Administration of Foreign Exchange.

Make an application. 2. Provide the corresponding documents.

3. Select the corresponding opening bank.

4. Confirm whether the account opening documents are valid.

5. If it is necessary to use the overseas account within 30 days, an application must be submitted to the foreign exchange administrative department, and if it is necessary to extend the use, an application must also be submitted to the foreign exchange administrative department.

6. Enterprises applying for overseas accounts must report the use of funds to the foreign exchange administration department within 15 days after the end of each quarter.

Extended Materials

Bank account is a general term for the deposit account, loan account, and current account opened by the customer in the bank. In China, according to the regulations, all state organs, groups, troops, schools, enterprises and institutions.

All must open an account with a bank. Depending on the purpose, bank accounts can be divided into basic accounts.

There are three types of special accounts and auxiliary accounts. In the accounting organization of bank accounting, in order to ensure the authenticity, completeness and correctness of the account books and records, the detailed ledger account is set up.

and the general ledger account, which is for banking operations.

and the funds caused by financial activities** and the use of funds are recorded and reflected in detail and summary.

Bank account: Bank account is a general term for the deposit account, loan account and current account opened by the customer in the bank. In China, according to regulations, all state organs, organizations, troops, schools, enterprises and institutions must open bank accounts.

According to the different purposes, bank accounts can be divided into three categories: basic accounts, special accounts and auxiliary accounts. In the accounting organization of bank accounting, in order to ensure the authenticity, completeness and correctness of the account books and records, the detailed ledger account and the general ledger account set up are the detailed and summarized classification records and reflections of the funds and the use of funds caused by the bank's business and financial activities.

If you issue a check and someone else takes your check to the bank to cash it, the money will be spent from your checking account, and the check you issue is a cash check.

In the U.S., checking accounts are much more prevalent. Along with plastic card, it generally refers to a debit card in the form of a plastic card.

and credit cards) have been gradually replaced by credit and debit card payments, and in recent years, mobile payments have emerged.

Share the market share.

Checks have become less and less used in the cashless payment of everyday life in the United States.

Basic Checking Account:

Basic checking accounts, also known as "no frills" accounts, provide the simplest but most core personal payment service by depositing a small amount of money (e.g. $250) to waive the account management fee. Note that this is a "payment service", i.e. the bank offers an alternative to cash and will not pay you interest! Some banks also limit the number of cheques that can be issued per month, and charge an additional fee if they exceed that.