Western Union has more than 280,001 cooperation outlets in China, allowing us to easily and easily receive remittances from overseas relatives and friends, development platforms and other channels.
In general, there are four payment methods to choose from:
- Collecting money from cooperative bank outlets
- Electronic channel (online banking) collection
- Electronic channel (mobile banking) collection
- Direct remittance service
1. Remittances received at outlets
If it is more convenient for you to go to an offline outlet, then offline operation may be a good choice.
As long as you bring your personal ID (if the company collects foreign exchange, then remember to bring a copy of the legal person's ID, etc.), go to the cooperative outlets, provide the name of the sender, the amount of remittance, the country / region of remittance and remittance monitoring Number (MTCN), fill in the "receipt form", and then you can successfully receive the remittance and receipt.
Below, I have listed some banks (except local banks) that cooperate with the collection of offline outlets. You can operate according to your region. Among these banks, I prefer Post and Everbright. Compared with other banks, the policy is more friendly:
- China Postal Savings Bank
- China Everbright Bank
- Shanghai Pudong Development Bank
- Bank of China
- Industrial and Commercial Bank of China (Beijing, Shanghai, Guangdong, Fujian, Jiangsu, Liaoning, Zhejiang, Shandong, Heilongjiang)
- China Construction Bank
- Yantai Bank
- Jilin Bank
- Fujian Strait Bank
- Huishang Bank
- Zhejiang Chouzhou Commercial Bank
- Longjiang Bank
- Guangzhou Rural Commercial Bank
- Zhejiang Tailong Commercial Bank
If it is inconvenient to go to an offline branch, in fact, you can also collect Western Union remittances through online banking. The following are the cooperative banks that support online banking to collect payments:
- China Everbright Bank
- Shanghai Pudong Development Bank
- China Postal Savings Bank
- Bank of China
- ICBC
Today, with the increasing convenience of smart phones, mobile banking has gradually replaced online banking and become a more convenient collection channel. However, the number of cooperative banks supported will be much smaller, mainly including the following cooperative bank mobile banking:
- China Everbright Bank
- Shanghai Pudong Development Bank
- China Postal Savings Bank
- Bank of China
Although it is more convenient for Western Union to collect foreign exchange, its own limitations are also obvious:
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The domestic bank debit card directly collects the bill (regardless of your source of income). You only have a limit of 5w USD per year. This is stipulated by national law. If this limit is exceeded, all bank cards under the person's name can no longer be settled. Although the average annual income of independent developers may not reach 5w knife, but your usual collection will take up the 5w USD amount. When there are other needs in the future, you will suffer a little.
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Different banks have different requirements, and there is no uniform caliber. The first case is that the App Store payment in August will be settled in early October, which coincides with the National Day. Many posts are on holiday. The result is that Apple has shown that the payment has been made, but your bank card has nothing to do. ** Email Apple Inquiry, the reply was that the money was called out long ago, but call the bank, let you find a sub-branch, call the sub-branch, let you find another department ... In the end, you do n’t know where your money is anyway, the bank anyway Neither Apple nor Apple has stolen your money. You can only die. Friends who received money this month should be deeply touched. ** The second thing is more troublesome, that is, the bank looks for you to submit paper legal materials offline. ** Including but not limited to proof of source of account, labor contract, etc. Some things really don't know where to go, and the requirements of each bank are different. Waiting for you to run twice, after completing the procedures, one weekend is gone ... …
Second, weapon recommendation-PingPong
I personally recommend a payment method is PingPong
The only reason to recommend this channel is to bypass the bank! ! !
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When you collect the money, it is done through a virtual American bank account on their side, and it will not occupy your 5w USD a year (absolutely legal)
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After all, it is a private company, and there will never be a call to transfer you three or four times. Of course, there is no need to submit labor contracts or income certificates. The service is absolutely attentive.
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Apple remittance can be received within 48h. If the personal withdrawal is not a holiday, it will usually arrive on the same day.
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This is a very important additional benefit for small developers who are just getting a little income. It ’s because PingPong has opened an account in the US, so the App Store will pay you over $ 10, and the Google Play ’s $ 1 will pay you. When the income is low, you will immediately see the money , Is also an incentive for myself, not to wait for months to see the money. On some platforms, you may not plan to do it anymore, but you can't withdraw any money left in it. It is also recommended to try it with PingPong. And this money must not exceed their free cash withdrawal amount, which is equivalent to white prickly wool, which can't be earned at all.
Attach a cash withdrawal rule found in their official declaration, if you have special needs, you can use it
After PingPong is credited, it can choose to withdraw to:
1. Domestic personal bank card-personal online identity verification is required , and the cash is settled into RMB according to the real-time bank purchase exchange rate;
2. Domestic RMB public account-requires enterprise Business license certification, SAFE filing, foreign exchange receipts and filings, etc., will be received in RMB when withdrawing cash;
3. Domestic USD public account-need business license certification, SAFE for filing, withdrawing in US dollars when withdrawing ;
4. Hong Kong USD personal account-personal online identity verification is required, and the withdrawal is in US dollars;
5. Hong Kong USD public account-company information certification is required, and the withdrawal is in US dollars;
6. Overseas account Distribution-Payment of overseas expenses (such as advertisers, anchors, foreign teachers and other expenses) The identity of the platform developer ID (enterprise or individual) does not affect its main body selection (enterprise or individual) during PingPong certification
3. Said good welfare
This is my personal look inside a friend PingPong want to offer through this link registered, you can receive a 3000 knife free cash withdrawal limit (direct registration quota 1000 knife only official declaration by the official website), if you are an independent development income yet The monthly income is 2w RMB, this amount is enough for you to poke wool for at least one month :)
