中国农业银行境外来华人员支付服务指南

　　Payment Service Guide of Agricultural Bank of China for Visitors to China

　　（第二版）

　　(2st version)

　　为更好地介绍中国农业银行可为境外来华人员提供的各项支付相关的服务，特制作本指南。

　　This Guide has been formulated specifically to better introduce various payment-related services that Agricultural Bank of China can provide to visitors to China.

　　本指南中的“您”/“境外来华人员”特指“国籍为中国大陆境外国家或地区（包括中国香港、澳门和台湾）的客户”。

　　The term “you”/“visitor to China” used in this Guide refers specifically to any customer whose nationality is a country or region outside the mainland China (including Hong Kong, Macau and Taiwan of China) .

　　本指南中的“外卡”指“中国大陆境外发卡组织（如Visa、MasterCard、美国运通、大来、JCB等）发行的借记卡/信用卡”。

　　The term “foreign card” used herein refers to debit/credit card issued by issuing organizations outside the mainland China (such as Visa, MasterCard, American Express, Diners Club and JCB).

　　如您对相关业务有疑问，请咨询我行网点员工或拨打客服电话：95599。

　　If you have any related questions, please consult with staffs of ABC outlets or call customer service at 95599.

　　一、消费及日常支付

　　I. Spending and Daily Payment

　　（一）外卡取现。

　　(I) Cash withdrawal by foreign card

　　您可持本人境外借记卡/信用卡（目前支持VISA、MasterCard、美国运通卡）到我行ATM便捷快速地支取人民币，单笔取现限额3000元人民币，单日累计取现金额不超过2万元人民币（为我行限额要求，还需满足您本人卡片发卡行要求）。

　　You may withdraw RMB from ABC ATM conveniently and quickly by virtue of your foreign debit /credit cards (currently VISA, MasterCard, American Express cards supported), subject to individual cash withdrawal limit of RMB 3,000 and single-day accumulated cash withdrawal of no more than RMB 20,000 (which are ABC’s limit requirements, also subject to requirements of your card issuers).

　　1.推荐办理渠道：我行ATM。

　　1. Recommended service channel: ABC ATMs.

　　2.所需资料：本人境外借记卡/信用卡。

　　2. Means required: Your foreign debit card/credit cards.

　　（二）现钞兑换。

　　(II) Exchange for Cash

　　您可在我行具有外币兑换资质的营业网点办理外币兑换业务，我行提供美元、加元、澳元、欧元、英镑、日元、港币等币种的兑换服务（具体以网点可受理币种为准）。

　　You may handle foreign exchange business with licensed ABC banking outlets, where ABC provides exchange services for currencies like USD, CAD, AUD, Euro, GBP, JPY and HKD, etc. (subject to currencies acceptable to banking outlets).

　　1.推荐办理渠道：我行柜面。

　　1. Recommended service channel: ABC counter .

　　2.所需携带的资料：有效身份证件。办理原币兑回时，需提供原兑换水单（原兑换水单的兑回有效期为自兑换日起24个月）。办理不占用年度便利化额度的经常项目结汇时，需提供结汇资金用途相关材料。

　　2. Means required: Valid ID. When handling conversion back into original currency, you are required to provide the original exchange slip (the valid period of original exchange slip for reverse conversion is 24 months from the exchange date). When handling current account exchange settlement that doesn’t occupy annual facilitation quota, you are required to provide materials indicating the exact amount and related to the purpose of funds for exchange settlement.

　　（三）外卡消费

　　(III) Spending by foreign card

　　您可持本人Visa、MasterCard、美国运通、大来或JCB卡在可受理外卡交易的商户通过刷卡、插卡、挥卡方式完成交易，购买商品或享受服务。此外，支持Visa、MasterCard DCC交易的商户可提供DCC服务，您可持Visa、MasterCard卡通过智能POS消费后，根据自身需求在智能POS上选择使用本国货币或人民币作为交易结算货币。现DCC交易支持美元、加拿大元、日元、新加坡元等主流币种。

　　You can complete transactions by swiping, inserting or waving your Visa, MasterCard, American Express, Diners or JCB card at a merchant capable to accept foreign card transaction, to purchase commodities or enjoy services. In addition, merchants who support Visa or MasterCard DCC transactions can provide DCC services, whereby you can choose to use the currency of your country or RMB as the currency for transaction settlement on smart POS as necessary after spending via smart POS using Visa or MasterCard card. The DCC transactions now support prevailing currencies such as USD, CAD, JPY and SGD, etc.

　　1.消费渠道：我行具备受理资质的商户。

　　1. Spending channel: licensed merchants dealing with ABC.

　　2.所需资料：本人境外银行卡。

　　2. Means required: Your foreign bank cards.

　　二、开户服务

　　II. Account-opening Services

　　（一）借记卡办理。

　　(I) Securing debit cards

　　您可在我行营业网点申请办理我行借记卡，体验全面多样的金融服务。在核实您的本人身份、开户意愿、开卡用途等信息后，可为您办理开卡。

　　You may apply to an ABC banking outlet for ABC debit card to experience a variety of comprehensive financial services. After verifying your ID, account-opening intention and purpose of requested card, a debit card may be issued to you.

　　1.推荐办理渠道：我行网点。

　　1. Recommended service channel: ABC banking outlets.

　　2.所需携带资料：

　　2. Means required:

　　①有效身份证件（港澳居民来往内地通行证或港澳居民居住证、台湾居民来往大陆通行证或台湾居民居住证等、外国护照或外国人永久居留身份证、云南外籍边民有效证件）；

　　① Valid ID (Mainland travel permit for Hong Kong and Macao residents or residence permit of Hong Kong and Macau residents, mainland travel permit for Taiwan residents or residence permit of Taiwan resident, foreign passport or permanent resident ID card of foreigner, valid ID of foreign border resident in Yunnan);

　　②关于本人在境内住址的相应辅助证明材料（建议提供）；

　　② Corresponding auxiliary supporting materials regarding your residential address in China (suggested to provide);

　　③本人的中国大陆境内手机号（建议提供）。

　　③Your mobile phone number in mainland China (suggested to provide).

　　（二）信用卡办理。

　　(II) Securing credit cards

　　您在满足条件的情况下可申请办理我行信用卡并享受丰富的权益和服务。

　　You may apply for ABC credit card and enjoy a variety of entitlements and services where the following conditions are met.

　　1.推荐办理渠道：我行网点。

　　1. Recommended service channel: ABC banking outlets.

　　2.准入依据：您所在单位与我行存在业务往来关系的凭证/您在我行的资产凭证/有效期内的永久居留证件。在发卡行所属一级分行辖内有固定住所，或稳定工作单位，或稳定经营场所的相关辅助证明。

　　2. Basis of access: Vouchers of business dealing relationship between your employer and ABC/vouchers of your assets at ABC/permanent residence permit within the valid period. Relevant supporting proof that the applicant has a fixed residence or stable employer or stable business premises within the area of responsibility of a tier-1 branch of the issuing bank.

　　3.申请资料：

　　3. Application package:

　　（1）身份证明材料。

　　(1) Identification materials.

　　①外籍人士：记载有效入境记录并在停留期限内的护照或有效期内的永久居留证件，提供护照的还需提供工作类居留证件作为补充材料；

　　① Foreigners: passport indicating valid entry records and within the period of stay or permanent residence permit within the valid period, provided that residence permit for work purpose is also required as supplementary materials in case of passport provided;

　　②港澳人士：港澳居民来往内地通行证；

　　② Hong Kong and Macau residents: Mainland travel permit for Hong Kong and Macao residents;

　　③台湾人士：台湾居民来往大陆通行证。

　　③ Taiwan residents: travel passes for Taiwan residents to enter or leave the mainland.

　　（2）资信证明。

　　(2) Certificate of credibility

　　有效收入证明、有效资产证明等能证明您偿还能力的相关材料（担保方式开卡的，需额外提供担保材料）。

　　Valid certificate of income, valid certificate of assets or other relevant materials proving your insolvency (guarantee materials are required additionally in case card is issued by means of guarantee)

　　（3）其他材料。

　　(3) Other materials

　　申请表、三亲见照片、业务往来证明材料、个人税收声明文件。

　　Application form, photo showing the sight of the applicant, original ID and proof and signature in person, vouchers of business dealing relationship between you/your employer and ABC, letter of commitment, and individual income tax declaration

　　三、便捷跨境汇款服务

　　III. Convenient cross-border remittance services

　　（一）个人跨境汇出汇款。

　　(I) Individual cross-border outbound remittance

　　个人跨境汇出汇款是我行接受客户委托，将外汇款项汇到指定的境外收款人所在银行账户的业务。

　　Individual cross-border outbound remittance is a service in which ABC remits foreign exchange amounts to the bank account of the designated overseas payee upon request of client.

　　1.推荐办理渠道：我行柜面、超级柜台、掌上银行、网上银行。

　　1. Recommended service channel: ABC counter, super counter, mobile banking and online banking.

　　2.所需资料：本人有效身份证件。

　　2. Means required: Your valid ID.

　　（二）境外客户薪酬购付汇。

　　(II) Foreign exchange purchase and outbound remittance with remuneration

　　薪酬购汇汇出是境外客户将境内取得的合法人民币薪酬收入按我行公布的实时汇率兑换为外币汇出境外的业务。

　　Outbound remittance of foreign exchange purchased with remuneration is a service in which you can convert lawful RMB remuneration income acquired in China into foreign currency at the real-time exchange rate published by ABC for outbound remittance.

　　1.推荐办理渠道：我行柜面。

　　1. Recommended service channel: ABC counter.

　　2.首次办理所需资料：

　　2. Means required for the first-time transaction:

　　首次办理时，在华工作境外个人所得薪酬，可以凭有效身份证件、劳务合同、年税后薪酬收入证明等证明材料办理购汇汇出。

　　At the time of the first-time transaction, your remuneration earned in China can be remitted abroad after foreign exchange purchase by virtue of valid ID, service contract, certificate of annual after-tax remuneration income or other supporting materials.

　　3.非首次办理所需资料：

　　3. Means required for subsequent transactions:

　　境外个人在劳务合同有效期内到我行再次办理合法薪酬收入购汇时，可根据首次办理情况，无需再次提供重复证明材料。

　　When handling foreign exchange purchase with legitimate remuneration income again at ABC during the valid period of service contract, you are no longer required to provide repeated supporting materials as warranted by the first-time transaction.

　　四、数字人民币服务

　　IV. e-CNY Wallet Services

　　（一）数字人民币软钱包。

　　(I) e-CNY Software-based Wallet

　　您可以在数字人民币试点地区便捷开立数字人民币钱包，体验数字人民币支付。

　　You can open an e-CNY Wallet without relying on bank accounts in pilots[ 数字人民币项目当前已在我国部分城市开展试点，具体试点城市请详询我行网点员工或客服。

　　E-CNY pilot programs have so far been launched in some Chinese cities. Please consult with bank outlets staffs or our customer service for specific pilot cities.], while enjoying more convenient payment services.

　　四类钱包：

　　Category 4 e-CNY Wallet:

　　1.推荐办理渠道：数字人民币APP。

　　1. Recommended service channel: e-CNY APP.

　　2.所需资料：本人大陆境内手机号。

　　2. Means required: your mobile phone number for use in mainland China.

　　三类钱包：

　　Category 3 e-CNY Wallet:

　　1.推荐办理渠道：农行试点地区网点柜面。

　　1. Recommended service channel: ABC banking outlet counters in pilot regions.

　　2.所需资料：

　　2. Means required:

　　①有效身份证件（港澳居民居住证、台湾居民居住证、外国人永久居留身份证）；

　　① Valid ID (residence permit of Hong Kong and Macau resident, residence permit of Taiwan resident, permanent resident ID of foreigner);

　　②本人大陆境内手机号。

　　② Your mobile phone number for use in mainland China.

　　一、二类钱包：

　　Category 1 or 2 e-CNY wallet

　　1.推荐办理渠道：农行试点地区网点柜面。

　　1. Recommended service channel: ABC banking outlet counters in pilot regions

　　2.所需资料：

　　2. Means required:

　　①有效身份证件（港澳居民居住证、台湾居民居住证、外国人永久居留身份证）；

　　① Valid ID (residence permit of Hong Kong and Macau resident, residence permit of Taiwan resident, permanent resident ID of foreigner);

　　②本人农行借记卡；

　　② Your ABC debit card;

　　③本人大陆境内手机号。

　　③Your mobile phone number for use in mainland China.

　　（二）数字人民币硬钱包

　　(II) e-CNY Hardware-based Wallet

　　您可在农行数字人民币试点地区具有硬钱包发行试点项目的营业网点办理硬钱包（请以具体网点可办理的硬钱包类型为准）。

　　You can secure a hardware wallet from ABC banking outlets providing related services in pilot regions (subject to the type of Hardware-based Wallets available from specific banking outlets).

　　账户模式硬件钱包：

　　Account-based e-CNY Hardware-based Wallet:

　　1.推荐办理渠道：我行试点地区网点柜面。

　　1. Recommended service channel: ABC banking outlet counters in pilot regions.

　　2.所需资料：

　　2. Means required:

　　①有效身份证件（港澳居民居住证、台湾居民居住证、外国人永久居留身份证）；

　　① Valid ID (residence permit of Hong Kong and Macau resident, residence permit of Taiwan resident, permanent resident ID of foreigner);

　　②本人农行个人实名钱包（一二三类）；

　　② Your real-name ABC e-CNY Wallet (categories 1, 2 and 3).

　　准账户模式硬件钱包：

　　Quasi-account-based e-CNY Hardware-based Wallet:

　　1.推荐办理渠道：农行试点地区网点柜面/特定场景。

　　1. Recommended service channel: ABC banking outlet counters in pilot regions /specific scenarios.

　　2.所需资料：有效身份证件（港澳居民来往内地通行证或港澳居民居住证、台湾居民来往大陆通行证或台湾居民居住证等，外国护照或外国人永久居留身份证）。

　　2. Means required: Valid ID (Mainland travel permit for Hong Kong and Macao residents or residence permit of Hong Kong and Macau residents, mainland travel permit for Taiwan residents or residence permit of Taiwan resident, foreign passport or permanent resident ID card of foreigner).