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June 08, 2006

買旅支和換澳幣

出門在外,沒有錢萬萬不能,出發前必定要換外幣和買旅支
決定下定決心只帶1550澳幣(台幣約37450)去澳洲,今天把換外幣和旅支兩件事搞定啦!

換外幣,一般而言大家都推薦中國國際商銀
不過我的澳幣是在台灣銀行換的,
選擇台灣銀行是因為換外幣免手續費,對我來說交通方便,台銀匯率不比中國商銀差,
去台銀換要注意一下,澳幣算是比較少見的貨幣,所以每間銀行的存量不多
我去的那間,就只有550元澳幣的庫存,都被我換光了
如果要換大量的話,就要去中山北路的台銀總行
其實,懶得特地跑一趟換外幣的話,去機場的櫃檯(台銀和中國國際商銀都有)換也可,
只是要付手續費$100,考量跑一趟的時間和交通成本,我認為手續費$100合理啦!

一般而言旅支的匯率,會比你直接用現金買外幣好,而且安全性高
不幸遺失旅支的話,憑旅支的號碼和身分證件,即可以申請補發,
不過換旅支通常都是要手續費,除非去指定的免手續費地點換或到和該支票有合作的銀行
手續費也是不便宜,網路上看到澳洲有一家銀行換旅支的手續費是$10澳幣(台幣250)
買旅支的話,中國國際商銀和美國運通合作推出很貼心的服務,網路下單機場取件
網路上購買旅支,需當天轉帳付款,然後出發當天去機場領銀行櫃檯領旅支,省時又方便呢!
我線上購買了1000元的澳幣旅支,馬上用網路ATM付款,在家幾分鐘內輕鬆搞定買旅支這件煩人事!
中國國際商銀線上買旅支的網址:https://netbank.icbc.com.tw/iiop/CPM1?FI=AMEX_Order_Start&sessionID= 
*順帶一提,買旅支的同時,可順便線上購買外幣(無手續費),到時和旅支一起在機場領即可
但是線上買匯率較差,舉例來說,我直接去台銀櫃檯買24.24,中銀線上購買外幣24.36,旅支24.11
不過換外幣的數量不多的話,算算省也才省那幾塊錢,沒時間的人乾脆一次搞定吧!

接下來就是到澳洲的銀行開戶,並把現金和旅支存進銀行帳戶裡,領張提款卡
之後就可靠提款卡領錢,不用提心吊膽擔心掉錢
然後身上留200塊的旅支,讓自己當身上錢都花光光或有意外時
還可以有交通費到機場,然後買幾個紀念品回台灣~

如果真的走投無路的話,其實還有兩條路可以救急的啦
1.拿信用卡出來刷,配合晶片讀卡機轉帳付款,前提是台灣的戶頭裡有錢可轉
沒有隨身攜帶晶片讀卡機的話,可以繳卡費時多轉一些錢進去,之後刷卡就可讓它扣
信用卡會用當天最高的匯率去算,而且銀行也會charge 2%的手續費
2.拿出有Plus的提款卡,就可在國外直接提外幣
很便利的方法,但是手續費驚人:$75台幣+1%-2%的服務費

Posted by hugo at June 8, 2006 03:46 PM

Comments

個人強烈建議多帶點現金(旅支)過去.
雖然妳說了很多可以在當地從台灣提領錢的方法
但不是現金就不是現金..
現金還是最好用的

天有不測風雲, 人有旦夕禍福,
人在外地,
能多留點備用"現金"可以作緊急臨時調度是非常重要的
那些oo卡, xx卡, 是不急的時後在用的東西...

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