记者调查，4种汇款方式手机网银最划算，柜台办理汇款业务最安全

Reporter investigation,Four kinds of method of remittance mobile net the most bang for the buck,Counter for remittance most safety

　　转眼间又到了学校开学的日子，不少家长纷纷为在异地上学的子女们汇款。如何将这笔钱的汇款费用降至最低或直接省掉，如何让孩子在异地消费更方便，是家长们关心的问题。昨日，记者就异地汇款手续费和异地消费等相关问题走访了重庆多家银行，归纳出了一些较为方便省钱的异地汇款及消费方式。

Turn an eye again school days,Many parents are in different places for children to go to school the remittance.How will the money remittance fee to minimize or direct dispense with,How to let the children in different consumption more convenient,Are parents concern.yesterday,Reporters were different remittance poundage and different consumption and other related problems visited chongqing many Banks,Inductive out some more convenient save money "remittance and consumption patterns.

4种汇款方式手机网银最划算 Four kinds of method of remittance mobile net the most bang for the buck

　　记者从多家银行了解到，目前国内主要的异地汇款方式有柜台办理、ATM机转账、网银转账和手机银行转账4种，不同转账方式的费用也不一样。其中，柜台汇款较为繁琐。相比柜台汇款来说，ATM机转账是比较方便省时的方式。

Reporters from several Banks to know,At present domestic major different method of remittance have counter/ATM machine transfer/Net transfer and mobile phone bank transfer four,Different way to transfer the cost is not the same.the,Counter transfer is relatively complicated.Compared with the counter for remittance,ATM machine transfer is more convenient time-saving way.

　　而通过手机银行和网上银行转账汇款的折扣最明显。即便是同一家银行，通过电子渠道与通过柜台转账手续费也不同。

And through the mobile phone banking and Internet banking transfer remittance discount the most obvious.Even the same Banks,Through the electronic channels and through the counter transfer fee is also different.

　　另外，网络和电话银行汇款比传统汇款方式更加方便快捷。值得注意的是，从安全角度看，柜台办理汇款业务是最高的，因为汇款时要出示相关证件，有汇款单据可供查询。

In addition,Network and telephone bank transfer than traditional method of remittance is more convenient quickly.It is important to note that,From a security perspective,Counter for remittance is the highest,Because the remittance to produce relevant certificates,A money order for inquires according to.

网上卖“生活费”省钱新招 Selling online"Living expenses"Save money new recruit

　　最近，不少在异地求学的学生弄出了不少“花招”来对抗银行的手续费，他们利用第三方支付方式直接省掉了手续费。用淘宝购物并不是什么新鲜的事情，但在淘宝上挂出“生活费”来出售你见过吗？

recently,A lot of students who study in a foreign out a lot"trick"Against the bank's charge,They use the third party payment directly dispense with the commission.In taobao shopping is not what new things,But on taobao hang out"Living expenses"To sell you seen?

　　一位淘宝店主李先生告诉记者：“部分学生免除异地汇款手续费的新途径就是依附于支付宝的第三方支付，具体步骤是，学生先在淘宝上开店，然后挂卖自己的‘生活费’，再让自己父母来拍下。这种方式不仅省去了手续费，同时也让淘宝网变成了‘汇款’网”。

A clean out treasure the shopkeeper li told reporters:"Part of students from different remittance poundage new way is attached to pay treasure to third party payment,Specific steps is,The students should first on taobao set up shop,Then hang sell their own‘Living expenses’,Let their parents to take.This way not only save the fee,At the same time also let taobao became‘remittance’network".

　　重庆某商业银行的工作人员告诉记者，支付宝属于非银行机构，只提供结算通道，对账户不具有管理资格，一旦账号被盗，就会存在资金安全问题。因此父母在收到孩子发来的“学费”、“生活费”链接时，一定要先进行确认后再付款。

Chongqing a commercial bank staff told reporters,Pay treasure belongs to non-banking institutions,Only provide settlement channel,The account does not have management qualification,Once the account stolen,There is capital safety problem.So parents in the received from children"tuition"/"Living expenses"links,Must first confirmed after payment.

异地汇款比取现更划算 Other than withdraw cash remittance more cost-effective

　　市民王女士的女儿在武汉上大学，她孩子的学杂费、生活费是放在一张重庆工行卡中的。她让孩子到了武汉后自己去当地工行取钱。“我把钱直接存在孩子这张工行卡上，他到那边直接去取就是了。不过，孩子一直给我说取款手续费有点高，取几百块就要收4到8元左右，卡里每次我都要存上半年的生活费，这么取一笔收一笔手续费，我感觉不怎么划算。”

The daughter of wang citizens in wuhan university,The tuition and fees of her child/Cost of living is on a piece of chongqing icbc card.She let the child came to wuhan after their local icbc to withdraw money."I put the money directly existing child this ZhangGongHang card,He to the other side to take is directly.but,Children always give me said to withdraw commission is a little bit high,Take hundreds of block will accept 4 to 8 yuan,Cary every time I all want to save the cost of living in the first half,So take a charge a fee,I'm not feeling very cost-effective."

　　工商银行的理财师张先生建议，如果持卡人在异地取款次数较多，可让孩子在当地办张银行卡，父母定期往卡里汇款要划算些。“多数银行，异地取款每笔要按取款金额的1%收费，以我行为例，最低2元，最高是100元。如果取款次数多就不划算了。王女士可以让孩子在当地办张工行卡，她定期往卡里转账或汇款，就能省下一些钱。我行省外异地汇款，最低收取交易金额的1%，最高50元封顶。汇款不会很频繁，所以相比与异地取款来说要划算很多。”张先生说。(吴黎帆)

The commercial bank financial management division Mr. Zhang Suggestions,If cardholder in different times more withdrawal,Can let the child in the local doing zhang yinhang,Parents regularly to cary remittance to affordable some."Most Banks,Different to withdraw each according to 1% of the total withdrawal fee,In my behavior cases,Minimum 2 yuan,Maximum is 100 yuan.If withdrawals number is not bang for the buck.Ms. Wang can let the child in the local do ZhangGongHang card,She regularly to cary transfer or remittance,You can save some money.Outside our foreign remittance,The minimum charge 1% of total amount of the transaction,Highest 50 yuan capped.Remittance not very frequent,So different compared to withdraw to deal a lot."Mr. Zhang said.(WuLiFan)

　　(来源:重庆晨报)

(Sources: chongqing morning paper)