Definition of the product:

Personal foreign exchange inward remittance means foreign exchange inward remittance with individual as beneficiary. Personal foreign exchange inward remittance can provide collection notice service.

Scope: personal customers of Harbin Bank

Features & benefits:

It has advanced funds transfer system, and can arrange the remittances from abroad within 1-2 business days after receiving the payment.

Business process:

1. Customers need open the corresponding foreign currency bank books at Personal Foreign Exchange Business Center of Harbin Bank, and inform domestic or outside remitter the bank account number and username in Harbin Bank, as well as the name of inward bank and transfer line, in order to make the other party to transfer funds smoothly.

2. Overseas agent banks send transfer instructions to Harbin Bank.

3. Harbin Bank, after receiving the transfer instructions of overseas agent banks, confirms the amount of remittance receipt, and then notifies the customers to conduct acceptance and settlement business.

4. Solution to pay cash, need to provide customers the nature of the remittances, uses the sender's country, beneficiary's identity cards and a copy of, as well as Bank opened in my personal copy of currency passbook.

Definition of the product:

Personal foreign currency outward remittance business means that customers take money to banks, and the entrusted banks transfer the funds to foreign beneficiary. Overseas personal foreign currency outward remittance business is handled mainly via T/T. Parties involved in remittance business generally include remitter, beneficiary, outward bank and inward bank.

Scope: personal customers of Harbin Bank

Features & benefits:

Special rubles remittance: support the East Fast Bank of Russia and Far East Bank of Russian at coastal

Paying USD or RMB to our Bank, customers can be entitled to enjoy external payments in 8 unconventional currencies (Singapore dollar, Australian dollar, Canadian dollar, Danish Krone, Swiss franc, Swedish krone, Singapore dollar, Norwegian krone and Macao pataca) beyond 6 conventional currencies (USD, yen, euro, Hong Kong dollars, pounds and rubles).

USD remittances credit in full service fundamentally meet the special requirements of the customer on remittance credit in full, and meet the special requirements of the customer on principal reach the beneficiary’s account in full.
Procedure is simple and convenient with low cost

Business process

1. During the process, customers are required to fill out the "Remittance Application Form" in capital English clearly and completely at our Center. The contents include application date, remittance currency, amount, name and address of depositary bank of beneficiary, country and city of depositary bank, name and address of beneficiary, account number of beneficiary, name and contact telephone of remitter and other factors.

2. Remitting domestic individual foreign exchange abroad as expenses of regular items is handled according to the following regulations:

(1) The accumulated remitting amount abroad less than equivalent USD50,000 (inclusive) within foreign exchange savings account at the same day can be handled at banks based on valid ID card; those exceed such amount can be handled based on real certificates with transaction amount under regular items;

(2) The accumulated foreign currency outward remitting amount less than equivalent USD10,000 (inclusive) at the same day can be handled based on valid ID card; those exceed such amount should provide real certificates with transaction amount under regular items, "PRC Customs Entry Passenger Baggage Declaration Form" signed by the customs or foreign currency withdrawal documents issued by original deposit bank.

3. Remitting foreign exchange abroad under regular items of overseas individuals can be handled according to the following regulations:

(1) Remitting from foreign exchange savings account is handled based on valid ID card;

(2) Remitting foreign currency banknote with accumulated amount less than USD10,000 (inclusive) at the same day can be handled based on valid ID card. Those exceed such amount should provide "PRC Customs Entry Passenger Baggage Declaration Form" signed by the customs or foreign currency withdrawal documents issued by original deposit bank.