English Chinese translation sample-Inward Remittance -Telegraphic Transfer-Helpful Tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Helpful Tips - FAQs
1. What are the conditions to receive remittance from overseas?
Just open a multi-currency current account in ICBC (Elite Club Account, Peony Money Link Card•e-age, current All-in-one Account), follows ICBC Guidance on Inward Remittance to inform your details to overseas remitter.
　　☆温馨提示——境外汇入汇款常见问题问答
　　1、接收境外汇款需要什么条件吗？
　　答：您只要开立一个我行的活期多币种账户（如理财金账户、牡丹灵通卡e时代、活期一本通等），按照《工商银行境外汇入汇款指引》将本人的相关信息告知境外汇款人即可接收境外汇入款。

2. How to use the guidance?
Different guidances are given on different currencies in ICBC Guidance on Inward Remittance. "Remittance Guidance" is only related to the currency of inward remittance. Nothing concerns which country the remittance comes from. In other words, if sender remits USD from United Kingdom, it refers "USD Remittance Guidance", not "GBP Remittance Guidance".
　　2、如何使用汇路指引？
　　答：《工商银行境外汇入汇款指引》根据汇款的币种不同有不同的汇路指引。“汇路指引”仅与汇入汇款的币种有关，与该笔汇款从哪个国家汇入没有关系。即：如果汇款人是从英国汇给您美元汇款，则您在使用和选择汇路指引时，应选择“美元汇路指引”，而非“英镑汇路指引”。

3. Can you remit RMB to China from overseas?
No, unless you have foreign currency. Remit personal F/X remittance settled in advance at overseas ICBC branches to ensure beneficiary directly receive the remittance in RMB.
　　3、您可以在国外直接往国内汇人民币吗？
　　答：不可以。除非您持有外币，在工商银行的境外分行办理个人外汇预结汇汇款，这样可以保证收款人直接收到人民币。

4. Why your remittance not yet credited into account?
Please confirm from remitter if beneficiary details you provided is correct or not, and if the receiving account is multi-currency current account, if the name of beneficiary is identical with the account name of receiving account. If the above are all correct, the remitter can check the details from remitting bank.
　　4、您的汇款怎么还没有到账？
　　答：请向汇款人确认一下汇款时提供的收款人信息是否正确，收款账户是否为活期多币种账户，收款人姓名是否与收款账户户名相符；若上述信息都正确，可通过汇款人从汇款银行方进行查询。

5. Why the money you received is less than the amount remitted?
In general, remittance can be received in full amount if remitting bank and ICBC both have accounts opened in each other’s bank. If not, remittance must go through a bank or several banks to forward the remittance to ICBC. Each bank will collect fees from the amount. As a result, amount received by you may possibly less than the original amount remitted.
　　5、为什么您收到的钱比汇出来的少？
　　答：如果汇款行与我行互开往来账户，款项一般可全额汇达我行。但是，在汇款行与我行无账户关系的情况下，必须通过另一家或几家银行作转汇行将汇款款项转至我行。每家转汇行在做转汇业务时，都会从汇款额中扣收一笔转汇费。因此，您所收电汇款金额就有可能少于原汇出金额。

6. Can ICBC receive remittances from overseas in Swedish Krona?
Yes. However, Swedish Krona is not a currency of ICBC savings deposit. ICBC will inform you to collect the remittance at designated ICBC business office with your ID document and necessary documentation. Money will be credited into account only after settled in accordance with rules of State Administration of Foreign Exchange.
　　6、工行可以接收境外汇来的瑞典克朗吗？
　　答：可以，但由于瑞典克朗非我行储蓄存款货币，因此我行在收到款项后需要通知您本人持身份证件即结汇所需材料到指定网点，按国家外汇局的规定为您的汇入款项合规办理结汇后方可入账。

7. Remittance through ICBC can only at overseas ICBC branches?
No. You can choose any bank in any country to remit to accounts opened in ICBC. Remittance can only be made at overseas ICBC branches if it is personal F/X remittance settled in advance.
　　7、往工行汇款是不是只能在工行境外分行办理？
答：不是。您可以选择世界各国的任何一家银行往开立在工行的账户汇款，但如果您办理的是个人外汇预结汇汇款，则只能在我行境外分行办理。