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paypal问题 Thread poster: XiaoRan
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XiaoRan
Local time: 11:29
English to Chinese
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请教大陆的朋友们，paypal里的钱你们都怎么处理？
让他们寄支票吗？寄丢了有没有保障？
网上搜到一些网币兑换站点，这些站点可信吗？
有人说可以转到香港银行卡，那么，我们大陆居民如何开香港银行卡呢？
如果不取，你们觉得一两千美圆有没有地方消费？我指的是合理的必要的消费，不是滥花。
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| 有关大陆居民开香港银行卡的最新情况 | Mar 2, 2006 |
请前往香港银行在当地分行咨询有关代办事宜。据我所知，东亚银行可以代办。
XiaoRan wrote:
请教大陆的朋友们，paypal里的钱你们都怎么处理？
让他们寄支票吗？寄丢了有没有保障？
网上搜到一些网币兑换站点，这些站点可信吗？
有人说可以转到香港银行卡，那么，我们大陆居民如何开香港银行卡呢？
如果不取，你们觉得一两千美圆有没有地方消费？我指的是合理的必要的消费，不是滥花。
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Wenjer Leuschel (X) 
Taiwan
Local time: 11:29
English to Chinese
+ ...
XiaoRan wrote:
请教大陆的朋友们，paypal里的钱你们都怎么处理？
让他们寄支票吗？寄丢了有没有保障？
网上搜到一些网币兑换站点，这些站点可信吗？
有人说可以转到香港银行卡，那么，我们大陆居民如何开香港银行卡呢？
如果不取，你们觉得一两千美圆有没有地方消费？我指的是合理的必要的消费，不是滥花。
PayPal 無法直接轉入台灣的帳戶，我曾有將近四千美元採取和值得信賴的客戶做了一項交易，把那些錢轉入他公司的 PayPal 帳戶，因為反正他經常需要支付其他全球各地翻譯者，然後由他匯款到南美洲給我家人。這個辦法也許你也可以採用，找家在中國常需以 PayPal 支付款項的公司，把你帳下的金額賣給他們，酌付一點操作費用，或只損失 PayPal 匯入他們帳戶的小小百分比，問題就解決了。Good luck!
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Jianjun Zhang
United Kingdom
Local time: 04:29
English to Chinese
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文哲兄：
你知道吗？ 台湾可以直接将PP上的款子回到本地银行账户：
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Bank Account Withdrawal for Korea and Taiwan
Notice Date: January 8, 2004
Effective Date: February 13, 2004
Starting February 13, 2004, PayPal will enable members in Korea and Taiwan to withdraw funds from their PayPal account to a local bank account.
=========
你可以享用这种服务了。而且每款超过一定额度还免费！羡慕你们呐！
Wenjer Leuschel wrote:
PayPal 無法直接轉入台灣的帳戶，我曾有將近四千美元採取和值得信賴的客戶做了一項交易，
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Yi-Hua Shih
Taiwan
Local time: 11:29
English to Chinese
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我也剛自一位爽快的、在加拿大的天津朋友那兒收了一小筆款子，他爽快到我交件才不到半小時、就把那一小筆費用轉到了我的 Paypal 帳號裡頭，我還措手不及，根本沒時間 review 一下這個去年加入 ProZ.com 時順便開立的帳戶的使用規則呢，真是有點兒尷尬！
幸而小然提出這問題、又有你幫我們這些在台灣的傻子們找到 Paypal 的相關規定，真是感謝啊！！我剛看了你這帖，就開始跟我那早已忘記的 Paypal 帳號密碼奮鬥，好在花了半個多小時也終於搞定了，重點是你說得一點兒也沒錯！因為我是在台灣，Paypal 提示我可以設定一個 withdraw 的銀行帳號時，default 可選擇的「銀行所在地」裏就只有 US 及 Taiwan 兩地可選；然後再按照需要的資料輸入銀行及帳號資料就成了。
它的規定是 5000 元台幣以上的＜提款＞可免手續費；低於5000的則收好像是 35元台幣的手續費。我還沒＜提款＞，等累積多一點兒以後再說唄！
總之，太感謝你了！多謝！！
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Jianjun Zhang
United Kingdom
Local time: 04:29
English to Chinese
+ ...
Stone大姐，不要客气啦
香港、台湾都可以直接将PP中的钱存到自己本地银行户头里面了。不过有汇率兑换的损失，不像MoneyBookers，可以直接收取外汇。不知道为什么大陆银行没有和PP达成协议，何时才能达成呢？期待着。。。MoneyBooker虽好，欧洲以外的客户用起来却不方便，费用也高。
stone118 wrote:
我也剛自一位爽快的、在加拿大的天津朋友那兒收了一小筆款子，他爽快到我交件才不到半小時、就把那一小筆費用轉到了我的 Paypal 帳號裡頭，我還措手不及，根本沒時間 review 一下這個去年加入 ProZ.com 時順便開立的帳戶的使用規則呢，真是有點兒尷尬！
幸而小然提出這問題、又有你幫我們這些在台灣的傻子們找到 Paypal 的相關規定，真是感謝啊！！我剛看了你這帖，就開始跟我那早已忘記的 Paypal 帳號密碼奮鬥，好在花了半個多小時也終於搞定了，重點是你說得一點兒也沒錯！因為我是在台灣，Paypal 提示我可以設定一個 withdraw 的銀行帳號時，default 可選擇的「銀行所在地」裏就只有 US 及 Taiwan 兩地可選；然後再按照需要的資料輸入銀行及帳號資料就成了。
它的規定是 5000 元台幣以上的＜提款＞可免手續費；低於5000的則收好像是 35元台幣的手續費。我還沒＜提款＞，等累積多一點兒以後再說唄！
總之，太感謝你了！多謝！！
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Donglai Lou (X)
China
Local time: 11:29
English to Chinese
+ ...
| How to leverage your Paypal funds | Mar 3, 2006 |
XiaoRan wrote:
请教大陆的朋友们，paypal里的钱你们都怎么处理？
让他们寄支票吗？寄丢了有没有保障？
网上搜到一些网币兑换站点，这些站点可信吗？
有人说可以转到香港银行卡，那么，我们大陆居民如何开香港银行卡呢？
如果不取，你们觉得一两千美圆有没有地方消费？我指的是合理的必要的消费，不是滥花。
I believe it is a big headache for all Mainland beginners to deal with funds in their Paypal accounts. Here are my tips:
1. Cheque
Paypal may not be able to set up links between your overseas PP account with your domestic bank account before Chinese government introduces its free foreign currency exchange policy. In this case, cheque is the most direct way to get your money.
In case of cheque loss (the chances are really slim), you should be able to request PP to resend you a cheque if the lost cheque has not been cashed in by a third party. Anyway, please contact PP or check its online policy for more detailed procedure.
2. Hong Kong Account
Sure, all mainlanders can establish their private accounts with a Hong Kong bank although this may be illegal. You'd better drop in a Hong Kong bank that provides international personal banking to mainlanders when you take your seven-day trip.
Some banks do provide remote account opening services. They can courier you all necessary applications and you need to sign all these forms in front of a lawyer or a chartered accountant. You need to mail back all these signed forms, passport copy and second ID copy with signatures, address evidences (utility bill), and a witness letter.
After you completed the above procedure, you must deposit the minimum balance into your account with 1 or 2 months to activate the account. If the deposit is below the required minimum balance, you may be subject to a monthly account maintenance fee. Sure, you can transfer your money as the initial deposit from the PP account to your new Hong Kong account.
Please consult your account manager for detailed inter-Hong Kong bank transfer instruction. Keep it in mind PP will transfer your fund from its Hong Kong-based account to your one and if the incorrect bank account detail is provided, your fund will be bounced back and you may suffer great loss.
Now you may be caught between the devil and deep blue sea again, because how to manage your fund in Hong Kong is also a headache.
3 USA account
Does anyone ever consider opening an account in America? Without any doubt, you can have one with the above mentioned procedure. If you are a millionaire, the representative from some banks can fly to China and open the account for you.
The required consolidated minimum balance with a USA bank is usually USD 25,000 unless you have a Tax File Number (we can apply for our TFN from USA tax office. However, I never tried.). The Hong Kong banks ask for USD 5000 only.
4 Investment or Forex trading account
If you diversify your asset portfolio and are interested in purchasing foreign securities, such as stocks, bonds, certificate deposits, mutual funds and futures, you can open an account with the online security trading services, such as scottrade. These services claim to be regulated by US government. Only USD 500 is enough to get an account. If you prefer conservative strategy, CD is your choice. With it, you can enjoy the prevailing interest in USA, which is much higher than that in China. Some of CDs are guaranteed by USA government. If you are an aggressive investor, why not try US stocks. This is a good opportunity to experience the better regulated US security market.
Some of these services accept PP deposit from people in Hong Kong, Taiwan and Mainland and can transfer you fund into your bank after your investment. Please visit their websites for more info.
5. Online shopping
With Paypal, you can buy handy tools that can help you boost your translation, such as CAT, Word counting and accounting tools, recharge your skype, net2phone or efax account, renew your Proz membership, and get a surprise gift directly from overseas for your family.
Some Chinese list Skype or Net2phone recharging service in Eachnet and Taobao. This is an effective means to convert your money into RMB.
6. Online gamble
Have you been to Macau or Las Vegas? If not, why not try your luck in online casinos. It is not recommended to invest too much money there. Just 50 bucks is enough. Play with computers is very dangerous. I prefer playing game with real person.
In addition, you can try some sports bet if you are familiar with NBA, World Cup and European Leagues.
Oh! Buddies, don’t let you money be lazy.
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| To my best knowledge, it's a legal procedure to open HK bank accounts in Hong Kong | Mar 3, 2006 |
Donglai Lou wrote:
2. Hong Kong Account
Sure, all mainlanders can establish their private accounts with a Hong Kong bank although this may be illegal. You'd better drop in a Hong Kong bank that provides international personal banking to mainlanders when you take your seven-day trip.
Some banks do provide remote account opening services. They can courier you all necessary applications and you need to sign all these forms in front of a lawyer or a chartered accountant. You need to mail back all these signed forms, passport copy and second ID copy with signatures, address evidences (utility bill), and a witness letter.
After you completed the above procedure, you must deposit the minimum balance into your account with 1 or 2 months to activate the account. If the deposit is below the required minimum balance, you may be subject to a monthly account maintenance fee. Sure, you can transfer your money as the initial deposit from the PP account to your new Hong Kong account.
Please consult your account manager for detailed inter-Hong Kong bank transfer instruction. Keep it in mind PP will transfer your fund from its Hong Kong-based account to your one and if the incorrect bank account detail is provided, your fund will be bounced back and you may suffer great loss.
Now you may be caught between the devil and deep blue sea again, because how to manage your fund in Hong Kong is also a headache.
Most of those HK banks offer FREE Online Banking services. Just log on their sites and conduct your daily transactions as you like - bank transers, deposits, trading of foreign currency margin etc etc. And if you'd like to cash your funds, just use your debit card to do it at any ATM around the world! You may subject to a charge of 25HK or so per transaction done in Mainland China.
But mind you, many HK banks charge for inbound transfers. I chosed HKBEA just because they charge nothing in this regard. Others like HSBC etc charges 50 per transaction. Go visit their official sites for details.
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Donglai Lou (X)
China
Local time: 11:29
English to Chinese
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| The obsolete law says: | Mar 3, 2006 |
Two years ago when I returned from Perth to Beijing, I studied China's foreign currency regulations published in late 1990s. It stipulated that people with PRC citizenship must move their overseas assets back to China.
Things may have changed since so many chinese have overseas proverties and equities. the law must be obsolete or "名存实亡".
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Jianjun Zhang
United Kingdom
Local time: 04:29
English to Chinese
+ ...
我也查询过汇丰，他们接受大陆客户合法开户。Hermit 老兄说的没错，东来的信息过时啦！;) 个人认为，如果你不需要赚取利息或投资，仅是为了方便收取PP上的钱，可以到香港开一个支票存款账户，我知道汇丰对此账户无最低限额要求。另外他们还提供一种服务，我忘记了名称，也是不收取任何费用的存款账户。PP只能向香港户头里面转港币，因此你不要开美元帐户！
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Wenjer Leuschel (X)
Taiwan
Local time: 11:29
English to Chinese
+ ...
| 無法從 PayPal 轉帳到台灣 | Mar 3, 2006 |
PayPal 雖說可以轉入台灣的帳戶，但實際上是行不通的，因為台灣的外匯出入必須具名報備，所以我原本要轉入銀行帳戶的 PayPal 款項經過一段時日後被把回票，後來才採取上述的方法，透過國外客戶協助來處理這個問題。
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Jianjun Zhang
United Kingdom
Local time: 04:29
English to Chinese
+ ...
Wenjer Leuschel wrote:
PayPal 雖說可以轉入台灣的帳戶，但實際上是行不通的，因為台灣的外匯出入必須具名報備，所以我原本要轉入銀行帳戶的 PayPal 款項經過一段時日後被把回票，後來才採取上述的方法，透過國外客戶協助來處理這個問題。
就是说，和大陆一样要对外汇实行管制吗？香港的政策就灵活多了。
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Wenjer Leuschel (X)
Taiwan
Local time: 11:29
English to Chinese
+ ...
台灣說是開放了外匯，但實際上外匯進出還是要報備登記的。
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XiaoRan
Local time: 11:29
English to Chinese
+ ...
TOPIC STARTER
真是太好了，再也不用对Paypal感到头痛了。感谢各位指教。
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