[問題] foreign currency exchange

看板SanFrancisco作者 (Be a Businessman!)時間15年前 (2009/06/29 12:27), 編輯推噓5(5011)
留言16則, 4人參與, 最新討論串1/1
Hi, I plan to visit Hong Kong and Singapore for about 2 weeks, and thus am thinking whether I should exchange some HKD and SGD in San Francisco. The amount is about 1500 USD per place. Does anyone know the best way of getting this? Another option is to purchase the traveler's checks (I am using CitiBank), but I am not sure how convenient it is in these two places, and how can I exchange them to cash if necessary. Please advise. Thank you. -- ※ 發信站: 批踢踢實業坊(ptt.cc) ◆ From: 71.198.171.41

06/29 13:57, , 1F
How about the exchanges at the HK/Sg airports?
06/29 13:57, 1F

06/29 14:55, , 2F
最好的方法就是在這兩國的ATM用美國提款卡直接領當地貨幣
06/29 14:55, 2F

06/29 14:55, , 3F
匯率絕對是最好
06/29 14:55, 3F
Thx, but my citibank account seems to charge me Current foreign transaction fees: 3% plus $1.50 per transaction if I use the ATM card overseas. ※ 編輯: Tisrat 來自: 71.198.171.41 (06/29 21:36)

06/30 02:18, , 4F
你說的是信用卡的限制,不是ATM卡的限制;atm是不同的規定
06/30 02:18, 4F

06/30 02:34, , 5F
絕大多數的銀行的ATM卡的合約,都只收極低額的當地ATM手續費
06/30 02:34, 5F
Thx. But below is what I found via citibank website: https://online.citibank.com/US/JRS/helpcenter/getHelpContent.do?dispFormat=print&contentID=UsingATMDebitCardOverseas&contentType=help_item Can I use my ATM/Debit Card overseas? Yes, you can use your ATM/Debit Card worldwide at more than 7,000 Citibank ATMs and at over 1,000,000 ATMs with the MasterCard긠logo. You can also use your ATM/Debit Card to make purchases, just as you would in the U.S. But there are some differences to keep in mind when traveling outside the U.S. Here's a quick rundown of what to expect: Many overseas ATMs require a 4-digit PIN. In addition, many overseas ATMs do not have letters on the keypad, so you may want to change to a numeric PIN before you go. You can change your PIN at Citibank Online, and at any Citibank ATM or Financial Center in the U.S. Outside of the U.S., you can use your Citibank Banking Card at more than 1,000,000 ATMs. However, there is a foreign exchange fee of 3% (waived for Citigold clients). For example, if you withdrew 100 Euros at any ATM in Italy, and the value in USD was $125, then the 3% fee would be $3.75. This exchange fee also applies if you use your Citibank Banking Card to make purchases overseas.. ATMs outside the U.S. do not usually have the same set of features that you'll find at ATMs in the U.S. For example, while all ATMs worldwide will let you view, withdraw, and transfer money between your checking and savings accounts, not all of them will let you do the same with other accounts you may have linked to your ATM/Debit Card, such as your Citibank line, loan, mortgage, credit card, etc. ※ 編輯: Tisrat 來自: 71.198.171.41 (06/30 12:18)

06/30 12:41, , 6F
citi真黑只給金卡會員免費;可以換一家;我的e*trade一律免費
06/30 12:41, 6F

06/30 12:42, , 7F
主流大銀行不怕沒生意,所以福利常縮水;地方/網路銀行較佳
06/30 12:42, 7F

06/30 12:43, , 8F
海外提款的成本非常低,銀行完全是暴利
06/30 12:43, 8F

06/30 12:43, , 9F
我用ATM卡在十幾國領過外幣,匯率都比任何匯兌點要好,含台灣
06/30 12:43, 9F

06/30 23:51, , 10F
Citi真是...黑報了,我用匯豐都沒另收手續費的說
06/30 23:51, 10F
Thx. It seems too late to apply for the e-trade or Capital One and wait for the ATM card now. Also, my credit card is Citi as well (and 3% applies). In such a scenario, should I simply bring the cash and exchange it in HK/ SG airports directly? Or get the HKD or SGD in US first? Any other advice? ※ 編輯: Tisrat 來自: 128.32.192.8 (07/01 02:58) ※ 編輯: Tisrat 來自: 128.32.192.8 (07/01 02:59)

07/01 03:53, , 11F
每個機場的匯差不同;美國機場約收10%匯差;有些國家1~5%不等
07/01 03:53, 11F

07/01 03:54, , 12F
所以Citi黑卡有可能還是相對最好的;Wamu/Chase應該也不差
07/01 03:54, 12F

07/01 03:55, , 13F
也可在美國先換好,通常要預約;一樣有匯差,可能還有運費
07/01 03:55, 13F

07/01 03:59, , 14F
wellsfargo就是會有運費(約$10 flat fee),以及5%的匯差
07/01 03:59, 14F

07/01 04:00, , 15F
所以3%的ATM已經相對的不黑了 (當然我都享受0%的批發匯率)
07/01 04:00, 15F

07/02 08:59, , 16F
建議帶美金旅支到當地銀行或機場兌換貨幣,在US換不划算.
07/02 08:59, 16F
文章代碼(AID): #1AI4APly (SanFrancisco)