線上結匯v.s外幣帳戶換匯+提領 - 旅遊

By Jessica
at 2023-06-04T14:24
at 2023-06-04T14:24
Table of Contents
因為主要是想換大額日幣,所以發在日旅版詢問~
原先換日幣的方式都習慣使用台銀線上結匯,比較後應該是最划算的換法,唯獨買一筆就
要跑一次銀行去取有點不方便。一直到上個月去領的時候,行員說其實可以開外幣帳戶購
買日幣,不會比較貴,但我當下很納悶外幣帳戶提領時不是要另外再收取手續費嗎?
行員告知,外幣帳戶買是以即期匯率,線上結匯是以現鈔匯率,所以若是買在外幣帳戶的
後來提領也只是補上兩者差額,即 日幣金額*(現場匯率-即期匯率) ,因此最後其實兩
個方式的成本是一樣的,甚至外幣帳戶因為折讓比線上結匯多,所以還更划算~
想請問的是,如果以上的說法是對的,那為什麼爬文還是看到很多前輩都說:換到外幣帳
戶再提領因有匯差手續費,故會比線上結匯來得貴?
一直沒有想通,但又很想直接從外幣帳戶買等要用再一次提出不用常常跑銀行,再麻煩各
位版友指點,謝謝~
--
原先換日幣的方式都習慣使用台銀線上結匯,比較後應該是最划算的換法,唯獨買一筆就
要跑一次銀行去取有點不方便。一直到上個月去領的時候,行員說其實可以開外幣帳戶購
買日幣,不會比較貴,但我當下很納悶外幣帳戶提領時不是要另外再收取手續費嗎?
行員告知,外幣帳戶買是以即期匯率,線上結匯是以現鈔匯率,所以若是買在外幣帳戶的
後來提領也只是補上兩者差額,即 日幣金額*(現場匯率-即期匯率) ,因此最後其實兩
個方式的成本是一樣的,甚至外幣帳戶因為折讓比線上結匯多,所以還更划算~
想請問的是,如果以上的說法是對的,那為什麼爬文還是看到很多前輩都說:換到外幣帳
戶再提領因有匯差手續費,故會比線上結匯來得貴?
一直沒有想通,但又很想直接從外幣帳戶買等要用再一次提出不用常常跑銀行,再麻煩各
位版友指點,謝謝~
--
Tags:
旅遊
All Comments

By Edith
at 2023-06-05T09:28
at 2023-06-05T09:28
服務,可以去找找看~~

By Oscar
at 2023-06-06T04:33
at 2023-06-06T04:33
手續費100元

By Gary
at 2023-06-06T23:38
at 2023-06-06T23:38

By Hazel
at 2023-06-07T18:43
at 2023-06-07T18:43

By Susan
at 2023-06-08T13:47
at 2023-06-08T13:47

By Ophelia
at 2023-06-09T08:52
at 2023-06-09T08:52
是現金跟即期的匯差,大部分銀行有100的低消,以台
新Richard 為例,用外幣提款機領不論金額都是100的
手續費,通常一次領超過8萬日幣,手續費就會大於10
0了。國泰用外幣提款機甚至不用手續費,可是點超少

By Caroline
at 2023-06-10T03:57
at 2023-06-10T03:57

By Thomas
at 2023-06-10T23:02
at 2023-06-10T23:02
續費。

By Gary
at 2023-06-11T18:06
at 2023-06-11T18:06
幣提款機領錢,沒匯差問題,手續費100元他會先從台
幣帳戶扣款,但是他們有一季減免一次的優惠,事後會
再退回台幣帳戶。

By Queena
at 2023-06-12T13:11
at 2023-06-12T13:11

By Oscar
at 2023-06-13T08:16
at 2023-06-13T08:16
pg

By Elvira
at 2023-06-14T03:21
at 2023-06-14T03:21

By Bennie
at 2023-06-14T22:25
at 2023-06-14T22:25
就好

By Emma
at 2023-06-15T17:30
at 2023-06-15T17:30

By Kumar
at 2023-06-15T03:58
at 2023-06-15T03:58
沒有先兌換)

By Tracy
at 2023-06-15T23:03
at 2023-06-15T23:03
的

By Lydia
at 2023-06-15T03:58
at 2023-06-15T03:58

By Skylar DavisLinda
at 2023-06-15T23:03
at 2023-06-15T23:03

By Gilbert
at 2023-06-15T03:58
at 2023-06-15T03:58

By Mia
at 2023-06-15T23:03
at 2023-06-15T23:03

By Ida
at 2023-06-15T03:58
at 2023-06-15T03:58

By Una
at 2023-06-15T23:03
at 2023-06-15T23:03

By Robert
at 2023-06-15T03:58
at 2023-06-15T03:58
費100,台銀臨櫃領出外幣帳戶21萬的話要付210匯差

By Ursula
at 2023-06-15T23:03
at 2023-06-15T23:03
從外幣帳戶提領出來然後會另外從台幣帳戶收手續費10
0圓,如果只有台幣帳戶就變成從台幣帳戶扣款換外幣
匯率會用即期沒優惠不收手續費

By Eden
at 2023-06-15T03:58
at 2023-06-15T03:58
幣,會超過九萬就先用網銀或app換匯存進外幣帳戶再
提領,一次最多可以提領台幣五萬的等值日圓以目前
匯率能到日圓22萬

By Ursula
at 2023-06-15T23:03
at 2023-06-15T23:03
http://i.imgur.com/fUxekd1.jpg

By Jacky
at 2023-06-15T03:58
at 2023-06-15T03:58
去年12月,兩位問的問題可能要跟銀行確認,我不知道
台新有沒有調整做法,至於100元到底是什麼,剛才也
看了一下銀行的交易細項是註記其他,所以正確名稱也
得要問銀行了

By Eartha
at 2023-06-15T23:03
at 2023-06-15T23:03
元台幣

By Noah
at 2023-06-15T03:58
at 2023-06-15T03:58

By Olivia
at 2023-06-15T23:03
at 2023-06-15T23:03
去 atm 領出來嗎?這樣就不用跑銀行了,會另外有手
續費嗎?

By Jacky
at 2023-06-15T03:58
at 2023-06-15T03:58
不然匯差要怎麼收

By Zora
at 2023-06-15T23:03
at 2023-06-15T23:03
線上換再補匯差臨櫃領一樣有優惠。

By Thomas
at 2023-06-15T03:58
at 2023-06-15T03:58
16-0.17左右,即一萬日幣補16元

By Ina
at 2023-06-15T23:03
at 2023-06-15T23:03

By Heather
at 2023-06-15T03:58
at 2023-06-15T03:58

By Tom
at 2023-06-15T23:03
at 2023-06-15T23:03

By Noah
at 2023-06-15T03:58
at 2023-06-15T03:58

By Lydia
at 2023-06-15T23:03
at 2023-06-15T23:03
手續費100

By Mia
at 2023-06-15T03:58
at 2023-06-15T03:58

By Ursula
at 2023-06-15T23:03
at 2023-06-15T23:03
免手續費
小額慢慢換
畢竟不曉得日幣要貶到那裡

By Hedy
at 2023-06-15T03:58
at 2023-06-15T03:58

By Belly
at 2023-06-15T23:03
at 2023-06-15T23:03

By Ivy
at 2023-06-15T03:58
at 2023-06-15T03:58

By Jake
at 2023-06-15T23:03
at 2023-06-15T23:03
再一次領大額的外幣出來(省手續費)

By Irma
at 2023-06-15T03:58
at 2023-06-15T03:58

By Faithe
at 2023-06-15T23:03
at 2023-06-15T23:03

By Lucy
at 2023-06-15T03:58
at 2023-06-15T03:58

By Genevieve
at 2023-06-15T23:03
at 2023-06-15T23:03

By Annie
at 2023-06-15T03:58
at 2023-06-15T03:58
銀行還能免手續費),不然就是雙幣卡,我前幾天也辦
了一張

By Elma
at 2023-06-15T23:03
at 2023-06-15T23:03
https://i.imgur.com/TQkuYjG.jpg

By Donna
at 2023-06-15T03:58
at 2023-06-15T03:58
點 單純就匯率數字來看玉山應該沒有輸台新Richart
兩邊從外幣提領手續費應該也都是100元
看不出來玉山匯率哪邊爛?

By Catherine
at 2023-06-15T23:03
at 2023-06-15T23:03
宜

By Lauren
at 2023-06-15T03:58
at 2023-06-15T03:58
心裡爽度XD 你考慮的優惠或是方案,銀行其實都有想
過

By Jacob
at 2023-06-15T23:03
at 2023-06-15T23:03
些日幣
Related Posts
未收到訂房確認回覆的處理方式

By Lily
at 2023-06-04T11:47
at 2023-06-04T11:47
日本有附汽座的計程車嗎

By Hazel
at 2023-06-04T02:22
at 2023-06-04T02:22
半天離開韓國 海關

By Donna
at 2023-06-04T01:58
at 2023-06-04T01:58
東京8天行程請益

By Callum
at 2023-06-03T22:36
at 2023-06-03T22:36
神奈川 三浦半島 城ケ島サンゴ荘(推薦)

By Erin
at 2023-06-03T19:24
at 2023-06-03T19:24