Mednarodno pošiljanje denarja

Tudi angleškiNe angleško

To je enostavno pošljete denar za ljudi v drugih državah. Obstaja več načinov varno in hitro pošiljanje denarja mednarodno. Naučite se pošiljati denar v drugih državah, hitro in varno.

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

Woman at computer - send money internationally

Woman at computer - send money internationally

Pošiljanje denarja z MoneyGram ali WalMart2World

Send money with MoneyGram or WalMart2World

MoneyGram in WalMart2World so storitve prenosa denarja, lahko uporabite. Oba sta delo v skoraj vseh državah na svetu.

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

Za pošiljanje denarja prek MoneyGram ali WalMart2World, Najprej morate najti lokacijo, ki delajo v. WalMart2World je v vseh trgovinah WalMart. MoneyGram lokacijah so supermarketi, priročnega skladišča, in bencinske črpalke. Morate vložiti identifikacijo in denar. Vi ste ne zmožen rabiti vaš kreditno ali debetno kartico. Lahko najdete MoneyGram in WalMart lokacijah blizu vas.

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. You can find MoneyGram and WalMart locations near you.

Če želite poslati preko bančnega računa, Uporabite lahko WalMart2World je spletna storitev. Boste pozvani, da ustvarite spletni račun najprej. Z WalMart2World, denar prispe v minutah in pristojbine so nižje. Pristojbine so fiksni znesek, ali "pavšalne pristojbine." MoneyGram je nekoliko dražji in počasneje. Vendar je dobra izbira, če ne moreš potovati v WalMart.

If you wish to send through a bank account, you can use WalMart2World’s online service. You will be asked to create an online account first. With WalMart2World, the money arrives in minutes and the fees are lower. The fees are a fixed amount, or “flat fee.” MoneyGram is slightly more expensive and slower. But is a good option if you are not able to travel to a WalMart.

Mednarodno pošiljanje denarja iz bank

Send money internationally from a bank

Če pogosto pošiljate denar mednarodno, To je najbolje uporabiti bančni račun. Vodenje veliko denarja doma ni varno v ZDA. Je bolje za odprtje bančnega računa. Preberite več o bankah in kako odpreti bančni račun.

If you often send money internationally, it is best to use a bank account. Keeping a lot of cash in your home is not safe in the USA. It is better to open up a bank account. Learn about banks and how to open a bank account.

Tukaj je kar morate vedeti za mednarodno pošiljanje denarja iz vaše banke:

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

  • Preden pošljete denar, potrebujete informacije o osebi, ki so dobili denar. Banka zahteva ta oseba na prejemnik. Banka vas prosim za ime prejemnika, številka bančnega računa, in včasih svoj ogovor.
  • Za nekatere države, potrebovali boste identifikacijsko številko banke. To so IBAN (Mednarodna številka bančnega računa) ali SWIFT/BIC številke. Oseba, ki prejema denar vprašati svoje banke, če boste potrebovali ta številka.
  • Pogosto, lahko pošljete denar skozi vaš bančni račun online. Če potrebujete pomoč ali niso prepričani, kaj so možnosti, pojdite na svojo banko. Lahko govori za delavca v oknu sprejem in to vam bo pomagal.
  • Banke bo vam zaračuna za mednarodno pošiljanje denarja. Poskrbite, da povprašaš pristojbine (koliko bo to stalo).
  • Pošiljanje denarja mednarodno preko vaše banke lahko počasno, preveč.
  • 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.

Pošiljanje denarja z Western Union

Send money with Western Union

Western Union je družba za finančne storitve. Lahko pošljete denar skozi njihovi spletni strani ali svoje smartphone app. Potrebovali boste bančnega računa za pošiljanje denarja online. So tudi zaračuna pristojbine. Če nimate bančni račun, še vedno lahko pošljete denar mednarodno preko Western Union. Lahko najdete na lokalne podružnice.

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

Na lokalne podružnice, Western Union, Plačate lahko z gotovino. To je tudi dobra izbira, če oseba, ki ga pošiljate denar nima bančnega računa. Če prejemnik je Western Union podružnice v njihovi bližini, lahko poberem denar namesto. Potrebovali boste:

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:

  • Prejemnikov ime kot je prikazano na njihova vlada izdala ID
  • Prejemnik je mesto ali mesto, provinca ali zvezna država, in države
  • Vlada izdala 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

Pošiljanje denarja z Xoom in Paypal

Send money with Xoom and Paypal

Najbolj priljubljen sistem za mednarodni prenos denarja na internetu ali pametne telefone je Xoom. Ko ste odprite račun Xoom, lahko pošljete denar mednarodno več 100 sto držav in regij. Na stroški pošiljanja denarja skozi Xoom spremembe. Včasih je fiksna taksa. Včasih jih zaračunavajo v odstotkih. Boste morali vnesti bančni podatki za pošiljanje denarja. Potrebovali boste tudi podrobnosti o osebi pošiljate.

The most popular system for international money transfers on the internet or smartphones is Xoom. When you open a Xoom account, you can send money internationally to more 100 hundred countries and regions. The cost of sending money through Xoom changes. Sometimes it is a fixed fee. Sometimes they charge a percentage. You will need to enter bank account details to send money. You will also need the details of the person you are sending to.

Xoom ima pickup lokacij, kar pomeni, da lahko pošljete denar in kdo lahko to dvignili v gotovini na drugem koncu. Včasih, oseba, ki jih pošiljate lahko dvignili v nekaj urah. Za nekatere države, lahko pošljete denar na bančni račun. Če pošiljate na bančni račun, potrebovali boste te informacije, preveč.

Xoom has pickup locations, which means you can send money and someone can pick it up in cash at the other end. Sometimes, the person you are sending to can pick it up in a few hours. For some countries, you can send cash to a bank account. If you are sending to a bank account, you will need that information, too.

Če imate pametni telefon, lahko prenesete Xoom app. Nato lahko uporabite Xoom poslati denar na telefonu.

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

Xoom je le za pošiljanje denarja za ljudi. Če želite poslati denar za podjetja, lahko pošljete denar skozi PayPal. Paypal je lastnik Xoom.

Xoom is only for sending money to people. If you want to send money to businesses, you can send money through PayPal. Paypal owns Xoom.

Drugi načini za pošiljanje denarja

Other ways to send money

Pregledi

Checks

Pošljete lahko preverite z vašega bančnega računa. Vendar nekatere države, bi bilo zelo težko dobiti tuje preglede. Tujih bank zaračuna pristojbino velik položiti jih.

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.

Položnice

Money orders

Denarno nakazilo je podoben pregled, vendar pa je predhodno odobreni in plača za. To pomeni, da ime prejemnika in informacije je že na papirju in ni mogoče spremeniti. Mednarodnim denarnim nakazilom stroškov $8. 55 za vrednosti do $700 ($500 za El Salvador in Gvajana). Položnice lahko dobite pri bankah, pošta, in nekatere trgovine. Tu lahko izveste več o denarnih nakaznic iz ZDA postal service.

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. You can learn more about international money orders from the US postal service.

Kaj so stroški?

What are fees?

Ko pošljete denar mednarodno, se vam zaračuna pristojbine.

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

Prenos pristojbine

Transfer fees

Prenos pristojbine so denar, boste plačali za pošiljanje denarja. Je odstotek zneska, ki ga pošljete ali je morda določen znesek

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

Menjalni tečaj pristojbine

Exchange rate fees

Tečaji so eni valuti zneskov (kot ameriških dolarjev) je vredno v drugi valuti (kot so evrov). Se tarife spremenijo ves čas. Včasih boste plačali pristojbino za izmenjavo valute, kot tudi pristojbino za pošiljanje denarja. Od banke ali storitev, da pojasni svoj fees.

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.

Stvari paziti za mednarodno pošiljanje denarja

Things to watch for when sending money internationally

  • Primerjate stroške: poglej vse stroškov. To vam bo prihranilo denar.
  • Dobavni rok: Vedno se prepričajte, veste, kako dolgo bo prenos. Če pošiljate denar za v sili, Western Union, Xoom, ali Walmart2World je lahko tvoja najboljša možnost.
  • Račun podrobnosti: ko pošiljate denar, z računom in usmerjanje številke, Preverite jih večkrat. Če niso pravilno, denar ne boste dobili tam.
  • How costs compare: 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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