把资金从纽西兰 ASB 银行汇回台湾的国际汇款教学

纽西兰（NZ, New Zealand）打工度假旅行计划（WHV, Working Holiday Visa）的伙伴们都会经历过一件事情，就是在纽西兰当地银行开立帐号户头，除了让雇主汇入薪资，方便纽西兰政府查税帐外，其实还有一个相当重要的原因，就是纽西兰银行的提款卡（ATM Card）非常方便好用。

如果你会在纽西兰旅游超过一周，我建议你去申请一张银行提款卡。另外，纽西兰银行的存款利率非常高，在回台湾当时的存款年利率还有 7% 到 8% 左右，而且是用复利计算，相当惊人，全世界除了南非外很少有这么高的银行存款利率，又比南非来得安定，更让人信赖。

由于纽西兰银行拥有这么便利与高利率的优惠，是一个相当棒的投资标的，因此在回国当下索性将帐户跟存款通通原封不动的放著，身上一枚纽币都不留的直接回来（有点后悔，现在皮夹里都是几个去过国家的外币，感觉很饱满 XD）。

这几年以来，纽西兰历经了几次世界金融危机、火山爆发及基督城地震等事件，存款年利率已经被调降至大约 3 % 左右，虽然比我们银行来的优惠，我还是决定将存在纽西兰银行的资金汇回来，以便能做更有效的投资。

我的作法是先登入 ASB 银行的网络银行系统（FastNet Classic），透过系统内的站内询问机制（作为身分证明），写了一封信给 ASB 的客服人员，请他们将我的存款汇回我在台湾银行（Bank of Taiwan）的帐户。

一两个工作天后，ASB 银行立刻给了回应，他们提供的信息很详细，我干脆公布出来给有需要的朋友参考，相信官方版的操作教学绝对是最完善而且有效的方式（无效不退费）。

特别注意：我是在 ASB 银行[1]开立帐户，下面的作法不见得适用于你，纽西兰还有 ANZ Bank、BNZ (Bank of New Zealand)、Westpac New Zealand、Kiwibank、HSBC New Zealand、TSB Bank 等众多银行，请自行洽询所属银行服务人员。

ASB 银行回信告知事项

Dear Vedfolnir,

Thank you for your message in regard to transferring funds to an overseas account from your ASB account. I have included information about making an International Money Transfer (IMT), associated fees and time frames below.

Making an IMT through FastNet Classic: To make an IMT via Fastnet Classic, simply click on the “Foreign Exchange” tab from the list of options on the left and follow the prompts. The maximum daily FastNet Classic transfer limit is currently $60,000.00 (NZ dollars). You will need to be registered for Netcode to send an IMT through FastNet Classic.  Netcode is a security system which protects your funds while accessing your accounts online.  For information on Netcode, please visit the following link: www.asb.co.nz/story997.aspx

Making an IMT through an ASB branch: You are able to arrange the IMT by visiting your local branch of ASB with 2 forms of ID including one photo ID and by supplying your account details. A representative will be able to assist you with this process. Alternatively, you can by access the links below, and print, complete and sign these forms, and add your contact details as we may need to make contact with you.   Once completed, please send the forms to your branch at the following address or fax number.

Please send the forms to: ASB Auckland 3011, P O Box 35, Shortland Street, Auckland 1140, New Zealand OR Fax number: +64 9 3021815

IMT fees: ASB charges a fee of NZ$20.00 per IMT made through FastNet Classic, or NZ$25.00 per IMT made via an ASB branch. The funds may need to pass through one or more correspondent banks before arriving at the intended recipient bank. Any banks the funds pass through, including the receiving bank, may charge handling fees in relation to the IMT.  The fees charged by other banks are outside of ASB’s control. For IMTs processed through FastNet Classic, there is no option to have other bank fees charged back to your ASB account.  However, for IMTs processed through a branch you are able to nominate whether these are deducted from the amount sent or charged back to your ASB account.

IMT processing time frames: An IMT usually takes two to five working days to be deposited into the recipient bank account.  However, because the completion of the transfer is under the control of the overseas recipient bank, we are unable to guarantee that the funds will arrive by a certain date.  Some countries (eg USA, UK, Australia) will process transfers quicker than those that do not have automated systems.  Every effort is made by ASB to ensure that funds are received by the beneficiary in a timely manner. In addition to this, for any other queries you are welcome to send us a new message via My Messages. If the matter is urgent please call the Contact Centre on 0800 803 804 or +64-9 306 3000 and a Customer Service Representative will be happy to assist you.

咳，如果嫌看英文麻烦，我接著会简单说明一下这封信在说什么。

ASB 银行提供两种国际汇款的方法：

第一种是申请 NetCode，也就是第二级密码，身分验证用。申请成功后便可以在网络银行中直接转帐。手续费比较便宜，只需要 20 元纽币（NZD）。唯一的麻烦是必须要有原注册的当地手机号码或是到柜台申请（远目）；

第二种方式是下载两份文件：

1. 转帐申请表（International Money Transfer Application Form，以下简称 IMT）[2]；
2. 授权、赔偿契约（Indemnity in Respect of Facsimile and Telephone Instructions，以下简称 IRFTI）[3]。

下载并详细填写与签名上述两份文件后，可透过邮件寄送或电话传真[4]交付给 ASB 银行。手续费为 25 元纽币。

在填写转帐申请表（IMT）前要先取得「转出银行的帐户资料」以及「转入银行的帐户资料」，分别是：

• 转出银行：「ASB 银行帐号」、「ASB 帐号名称」、预备转帐用的「国家货币」，以及预备汇款的「金额总额（文字及数字都要填写）」。
• 转入银行：「转入银行的 SWIFT 码」[5]、「收款人银行帐号」、「银行英文名称」及「收款人帐户名称」。

最后，在授权、赔偿契约表格（IRFTI）上签名及填写各个空白栏位后，将两份文件共同邮寄或传真到 ASB 银行。

将文件寄出后就算完成所有的工作，接下来就是等 ASB 银行的人员是否有其他补件的要求啰。

后记

我将前面两份文件传真给 ASB 后，发生了两个小插曲。

第一段，ASB 来信通知，我传真过去的签名与当初的签名不一致，希望我重签。我换个方式重签一次再回传就可以了；

第二段，ASB 告知我已经把款项汇到台银后，轮到台湾银行的王小姐打电话通知我的帐号错误。我再次联络 ASB 才发现是对方写错了我的帐号（没错，是ASB自己写错 XD），ASB 立即替我更正资料并通知台银，这点颇值得嘉许。

延伸阅读

1. ASB Bank Official Site。
2. ASB Bank: The International Money Transfer Application Form。
3. ASB Bank: Indemnity in respect of facsimile and telephone instructions。
4. 实体电话的传真费用一张要100多元，你可参考本人另一篇文章《PamFax - 教你免费传真文件到全世界》，能省下两个便当喔。
5. 【国际汇款】教你查询各国银行的 SWIFT/BIC Codes 汇款代码。
6. 原文章首度发表于2011年7月14日。第一次修改日期为2014年12月7日。