货币转账指南
国际汇款的一切须知
交易量最大的货币对
这些货币对占全球外汇交易量的85%以上
USD/EUR
1 USD = 0.9218 EUR
The world's most traded pair — underpinned by the economies of the USA and European Union.
Compare transfer costsUSD/JPY
1 USD = 154.32 JPY
A key safe-haven pair popular in carry trades. Sensitive to Bank of Japan policy decisions.
Compare transfer costsGBP/USD
1 GBP = 1.2672 USD
Known as "Cable", this pair reflects the closely intertwined UK-US financial relationship.
Compare transfer costsUSD/CNY
1 USD = 7.2456 CNY
The most important Asia-Pacific corridor for remittances and trade settlement.
Compare transfer costsUSD/INR
1 USD = 83.470 INR
One of the highest-volume remittance corridors globally. India is the world's top remittance receiver.
Compare transfer costsEUR/GBP
1 EUR = 0.8561 GBP
A key European pair affected by Brexit trade dynamics and diverging monetary policies.
Compare transfer costs获得更优汇率的5个技巧
Practical advice to reduce your transfer costs
1. 避免使用机场和酒店换汇点
这些地方通常比中间市场汇率高出8–15%。请始终使用专业汇款服务或银行。
2. 比较收款总额，而非手续费
一家手续费为0但汇率溢价3%的服务，远比手续费3美元但提供真实汇率的服务贵。
3. 转账金额越大，固定费用占比越低
4.99美元的固定手续费在5,000美元转账中占比远低于100美元转账。大额转账通常能获得更好的汇率。
4. 注意周末汇率差异
部分服务商在银行间市场休市的周末会拓宽点差。周一早上的汇率通常更具竞争力。
5. 非急需转账时设置汇率提醒
如果您的转账不紧急，可以等待汇率达到目标值。10,000美元转账若汇率改善1%，即可节省100美元。
货币小知识
Key facts about the world's major currencies
USD
US Dollar
1.0000
per USD
Used in 88% of all forex transactions globally. World's primary reserve currency.
EUR
Euro
0.9218
per USD
Currency of 20 EU nations. World's second-most traded currency by volume.
GBP
British Pound
0.7891
per USD
World's oldest currency still in use, dating back over 1,200 years.
JPY
Japanese Yen
154.32
per USD
A safe-haven currency. Japan holds over $1.1 trillion in US Treasury bonds.
CNY
Chinese Yuan
7.2456
per USD
Partially managed by the PBOC. Increasingly used in international trade settlement.
CHF
Swiss Franc
0.8934
per USD
Traditional safe-haven currency. Switzerland has the strictest banking secrecy laws.