How to prepare your "go abroad wallet"

Although banks currently offer services such as pre-establishment overseas accounts, the more common way is to use global drafts, traveler's checks and cash to solve the problem of carrying money abroad. Bank financial experts suggest that the carrying of funds abroad should be based on the "safety first, the cost of the second" principle to solve. For tuition fees, living expenses and petty cash and other funds, it is proposed to separate the use of different forms of carrying. Tuition fees are best settled in the form of a global bill of exchange. Because tuition does not pay attention to timeliness, the use of the mail form of the world Bill of Exchange is the least. The fee for the fee is 1 per thousand of the remittance amount, and the upper limit is 250 yuan. The cost of living is recommended in the form of electricity exchange. Compared with the universal Bill of exchange, wire transfer fees are Just need to pay 150 yuan for the Telegraph fee. And in 3 business days to the account, for those who already have accounts in the local students, can be combined with the remittance form to remit the living expenses. In addition, experts in petty cash advice are advised to carry in the form of money and traveler's checks. The risk of carrying cash is higher, So prepare a small amount for a rainy, and it's better to have some change. Traveler's cheques are characterized by low risk, local loss, and ease of use. Many of the bank's express traveler's cheques have more than 20,000 proxy points worldwide, of which more than 10,000 agents are exempt from handling fees, in the EU, North America, Shopping malls in Singapore and Australia can be used as cash equivalents. As for the foreign students ' credit cards or international credit cards introduced by many banks, the experts advised caution. Because the credit card issuing bank in the domestic, although the consumption is convenient, but needs to pay the annual fee, and in foreign countries to take the fees higher, so put 10% of the money in the credit card enough.