Xa nyiaj chaw

English kujTsis English

Woman at computer - send money internationally

Woman at computer - send money internationally

Yuav ua li cas xa nyiaj mus lwm lub teb chaws sai sai thiab xyuam xim

How to send money to other countries quickly and safely

Nws yog ib qho yooj yim mus xa nyiaj rau cov neeg nyob rau hauv lwm lub teb chaws. Muaj ntau ntau muaj kev ruaj ntseg thiab ceev txoj kev xa nyiaj chaw.

It is easy to send money to people in other countries. There are several safe and quick ways to send money internationally.

Xa nyiaj nrog MoneyGram thiab WalMart2World

Send money with MoneyGram and WalMart2World

MoneyGram thiab WalMart2World yog nyiaj hloov lwm lub tsev pab uas koj yuav siv tau. Nkawd ob leeg ua hauj lwm nyob rau hauv yuav luag tag nrho cov ntawm cov teb chaws nyob rau hauv lub ntiaj teb no.

MoneyGram and WalMart2World are money transfer services you can use. They both work in almost all of the countries in the world.

Yuav kom xa nyiaj ntsuab los ntawm MoneyGram los yog WalMart2World, koj yuav tsum xub nrhiav ib qho chaw lawv ua hauj lwm nyob rau hauv. WalMart2World yog nyob rau hauv tag nrho cov khw muag khoom noj WalMart. MoneyGram qhov chaw yog supermarkets, yooj yim khw muag khoom noj, thiab roj noj. Koj yuav tsum nqa cov cim thiab cov nyiaj ntsuab. Koj tsis muaj peev xwm siv koj cov credit los yog debit card.

To send cash through MoneyGram or WalMart2World, you must first find a location they work in. WalMart2World is in all WalMart stores. MoneyGram locations are supermarkets, convenience stores, and gas stations. You must bring identification and cash. You are not able to use your credit or debit card.

Yog hais tias koj xav kom xa los ntawm ib tug bank account, koj yuav mus xyuas WalMart2Worlds website. Koj yuav tsum tau hais kom ua ib tug account hauv internet thawj.

If you wish to send through a bank account, you can visit WalMart2Worlds website. You will be asked to create an online account first.

WalMart2World yog ib tug zoo dua kev xaiv. Cov nyiaj tuaj txog nyob rau hauv feeb thiab cov nqi yog cheaper. lawv are ib taag nqi (zaum kuj hu ua ib tug "tiaj nqi"). MoneyGram yog me ntsis kim kim thiab qeeb qeeb. Tab sis yog ib tug zoo xaiv yog tias koj tsis muaj peev xwm mus ncig teb chaws mus rau ib tug WalMart.

WalMart2World is a better option. The money arrives in minutes and the fees are cheaper. They are a fixed amount (sometimes called a “flat fee”). MoneyGram is slightly more expensive and slower. But is a good option if you are not able to travel to a WalMart.

Qhib ib tug bank account

Open a bank account

Yog hais tias koj feem ntau xa nyiaj chaw, nws yog qhov zoo tshaj plaws los mus siv ib tug bank account. Khaws ib tug ntau ntawm cov nyiaj ntsuab nyob rau hauv koj lub tsev yog tsis ntau nyob rau hauv America. Nws yog ntse mus qhib ib tug bank account.

If you often send money internationally, it is best to use a bank account. Keeping a lot of cash in your house is not common in America. It is smart to open up a bank account.

Xa nyiaj chaw los ntawm ib tug bank

Send money internationally from a bank

Ntawm no yog dab tsi koj yuav tsum paub ua xa nyiaj chaw los ntawm koj lub txhab nyiaj:

Here is what you need to know to send money internationally from your bank:

  • Ua ntej koj yuav xa nyiaj, koj yuav tsum tau cov lus qhia txog tus neeg tau txais cov nyiaj. Lub tsev txhab nyiaj hu tus neeg no lub neeg tau kev pab. Lub tsev txhab nyiaj yuav nug koj txog tus neeg lub npe, bank account tooj, thiab tej zaum kuj lawv qhov chaw nyob.
  • Rau ib txhia lub teb chaws, koj yuav tsum tau ib lub txhab nyiaj identification number. Cov no yog cov IBANs (International Bank Account Number) los yog swift / BIC xov tooj. Muaj tus neeg uas yog tau txais cov nyiaj nug lawv bank hais tias koj yuav xav tau no xov tooj.
  • Feem ntau, koj muaj peev xwm xa nyiaj los ntawm koj tus bank account hauv internet. Yog hais tias koj xav tau kev pab los yog tsis paub dab tsi cov kev xaiv uas yog, mus rau koj lub txhab nyiaj. Koj tham tau nrog tus neeg ua haujlwm nyob rau hauv lub txais tos cov qhov rai thiab lawv yuav pab koj.
  • Ntug dej yuav kom koj them rau xa nyiaj chaw. Nco ntsoov nug txog cov nqi (ntau npaum li cas nws yuav raug nqi).
  • Xa nyiaj chaw los ntawm koj lub txhab nyiaj yuav ua tau qeeb, heev.
  • Before you send money, you will need information about the person getting the money. The bank calls this person the recipient. The bank will ask you for the recipient’s name, bank account number, and sometimes their address.
  • For some countries, you will need a bank identification number. These are IBANs (International Bank Account Number) or SWIFT/BIC numbers. Have the person who is receiving the money ask their bank if you will need this number.
  • Often, you can send money through your bank account online. If you need help or are not sure what the options are, go to your bank. You can talk to the worker in the reception window and they will help you.
  • Banks will charge you for sending money internationally. Make sure to ask about fees (how much it will cost).
  • Sending money internationally through your bank can be slow, too.

Xa nyiaj nrog Western Union

Send money with Western Union

Western Union yog ib tug nyiaj txiag kev pab tuam txhab. Koj yuav xa nyiaj los ntawm lawv lub website los yog lawv smartphone app. Koj yuav tsum tau ib tug bank account xa nyiaj hauv internet. Lawv kuj yuav kom koj them ib tug nqi.

Western Union is a financial services company. You can send money through their website or their smartphone app. You will need a bank account to send money online. They also will charge you a fee.

Yog hais tias koj tsis muaj ib tug bank account, koj muaj peev xwm tseem xa nyiaj chaw los ntawm Western Union. Koj yuav mus rau ib lub zos ceg.

If you do not have a bank account, you can still send money internationally through Western Union. You can go to a local branch.

Nyob rau ib lub zos ceg, Western Union, koj yuav tau them nyiaj ntsuab. Qhov no kuj yog ib tug zoo xaiv yog hais tias tus neeg uas koj yuav xa nyiaj mus tsis muaj ib tug bank account. Yog hais tias koj tau kev pab muaj ib tug Western Union ceg nyob ze lawv, lawv yuav tsum tau mus nqa cov nyiaj es tsis txhob. Koj yuav tsum tau:

At a local branch, Western Union, you can pay with cash. This is also a good option if the person you are sending money to does not have a bank account. If your recipient has a Western Union branch near them, they will be able to pick up the money instead. You will need:

  • Koj tau kev pab lub npe raws li nws tshwm nyob rau hauv lawv cov tsoom fwv muab ID
  • Koj tau txais kev pabcuam nroog los yog lub zos, xeev los yog lub xeev, thiab lub teb chaws
  • Koj tsoom fwv muab ID
  • Your recipient’s name as it appears on their government-issued ID
  • Your recipient’s city or town, province or state, and country
  • Your government-issued ID

Xa nyiaj nrog Xoom

Send money with Xoom

Cov feem nrov system rau thoob ntiaj teb cov nyiaj hloov tsheb nyob rau hauv internet los yog smartphones yog Xoom. Xoom yog heev ceev. Tej zaum, tus neeg uas koj yuav xa mus yuav tsum khaws nws nyob rau hauv ob peb teev. Tab sis koj yuav tsum tau ib tug bank account xa nyiaj.

The most popular system for international money transfers on the internet or smartphones is Xoom. Xoom is very quick. Sometimes, the person you are sending to can pick it up in a few hours. But you will need a bank account to send money.

Tom qab koj sau koj bank account kom paub meej, koj muaj peev xwm xa cov nyiaj. Nyob rau hauv lub teb chaws, tej zaum koj yuav muaj peev xwm xa cov nyiaj ntsuab rau ib tug bank account. Cov ntaub ntawv koj xav tau mus rau cov hloov cov nyiaj yog ib lub npe email, thiab chaw nyob ntawm tus neeg uas koj yuav xa mus. Yog hais tias koj xa mus rau lwm lub bank account, koj yuav tsum tau tus xov tooj.

After you enter your bank account details, you can send money. Depending on the country, you may be able to send cash to a bank account. The information you need to transfer money is the name email, and address of the person you are sending to. If you are sending to another bank account, you will need that number.

nrog Xoom, koj muaj peev xwm xa cov nyiaj mus rau ntau chaw 100 puas lub teb chaws thiab regions.

With Xoom, you can send money internationally to more 100 hundred countries and regions.

Tus nqi ntawm cov xa nyiaj los ntawm Xoom hloov. Tej zaum nws yog ib tug taag nqi. Tej zaum lawv kom koj them ib feem pua.

The cost of sending money through Xoom changes. Sometimes it is a fixed fee. Sometimes they charge a percentage.

Yog hais tias koj muaj ib tug smartphone, koj mus muab tau cov Xoom app. Ces koj yuav siv Xoom xa nyiaj rau koj lub xov tooj.

If you have a smartphone, you can download the Xoom app. Then you can use Xoom to send money on your phone.

Yog hais tias koj lub teb chaws yuav tsis siv Xoom, koj muaj peev xwm xa cov nyiaj los ntawm ib lub tuam txhab hu ua PayPal. Nws yog zoo ib yam li Xoom tsuas yog koj tsis tau xa nyiaj ntsuab.

If your country can not use Xoom, you can send money through a company called PayPal. It is similar to Xoom except you are not able to send cash.

Lwm txoj hau kev xa nyiaj

Other ways to send money

Cov tshev mis

Checks

Koj yuav xa ib daim tshev los ntawm koj tus bank account. Tab sis tej lub teb chaws ua nws nyuab heev yuav tau txais txawv teb chaws cov tshev mis. Txawv teb chaws ntug dej yuav them ib tug loj nqi rau tso lawv.
You can send a check from your bank account. But some countries make it very hard to receive foreign checks. Foreign banks will charge a big fee to deposit them.


Nyiaj kev txiav txim
Nyiaj kev txiav txim
Ib tug txiav txim nyiaj yog zoo li ib daim tshev, tab sis nws yog pre-kev pom zoo thiab them nyiaj rau. Qhov no txhais tau tias cov neeg tau kev pab lub npe thiab cov ntaub ntawv yog twb nyob rau ntawm daim ntawv thiab yuav hloov tsis tau. Ib tug thoob ntiaj teb kev txiav txim nyiaj nqi $8. 55 rau qhov tseem ceeb mus txog $700 ($500 rau El Salvador thiab Nkws yas teb). Koj yuav tau txais cov nyiaj txiav txim ntawm lub tsev txhab nyiaj, lub post office, thiab ib co khw muag khoom noj.

A money order is similar to a check, but it is pre-approved and paid for. This means that the recipient’s name and the information is already on the paper and can not be changed. An international money order costs $8. 55 for values up to $700 ($500 for El Salvador and Guyana). You can get money orders at banks, the post office, and some stores.

Yuav ua li cas yog cov nqi?

What are fees?

Thaum koj xa nyiaj chaw, koj yuav tau them cov nqi.

When you send money internationally, you will be charged fees.

Hloov cov nqi

Transfer fees

Hloov cov nqi yog cov nyiaj uas koj them rau xa nyiaj. Nws yuav ua tau ib feem pua ​​ntawm cov nyiaj koj xa los yog nws tej zaum yuav ua tau ib tug tas nqi

Transfer fees are money you pay for sending money. It might be a percentage of the amount you send or it might be a fixed amount

Txauv tus nqi nqi

Exchange rate fees

Txauv nqi yog tus nqi ib txiaj (xws li US dollars) yog tsim nyog nyob rau hauv lwm cov txiaj (xws li Euros). Cov nqi hloov tag nrho cov sij hawm. Tej zaum koj yuav tau them ib lub txiaj pauv tus nqi raws li tau zoo raws li ib tug nqi rau xa cov nyiaj. Hais kom tus bank los yog kev pab kom lawv piav rau lawv cov nqi.

Exchange rates are the amounts one currency (such as US dollars) is worth in another currency (such as Euros). The rates change all the time. Sometimes you pay a currency exchange fee as well as a fee for sending the money. Ask the bank or service to explain their fees.

Tej yam uas yuav tau xyuas thaum xa nyiaj chaw

Things to watch for when sending money internationally

  • Muab piv rau kev xaiv: saib tag nrho cov ntawm cov nqi. Nws yuav cawm koj cov nyiaj.
  • Tus me nyuam lub sij hawm: Yuav tsum paub tseeb tias koj paub yuav ua li cas ntev lub hloov lwm lub tsev yuav coj. Yog hais tias koj xa nyiaj rau ib tug thaum muaj xwm ceev, Western Union, Xoom, los yog Walmart2World zaum koj yuav tau qhov zoo tshaj plaws kev xaiv.
  • account cov ntsiab lus: thaum xa cov nyiaj siv account thiab routing tooj, mus saib lawv ob peb lub sij hawm. Yog hais tias lawv tsis muaj tseeb, cov nyiaj yuav tsis tau muaj.
  • Comparing options: Look at all of the costs. It will save you money.
  • Delivery time: Always be sure you know how long the transfer will take. If you are sending money for an emergency, Western Union, Xoom, or Walmart2World may be your best option.
  • Account details: when sending money using account and routing numbers, check them several times. If they are not correct, the money will not get there.

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