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~
--
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