[eng] 新加坡银行汇款收款信息整理汇总 Summary of Remittance and Receipt Information from Singapore Banks

2023年9月13日技巧分享评论95,8501字数 8807阅读29分21秒阅读模式

Ethan_2023-09-13_11-12-56

在亚洲各国家中,新加坡无论是财力、社会福利都非常好,尤其是金融行业发展非常顺利,现在已经成为国际知名金融国家。新加坡有发达的银行体系,如今有很多商业人士都在新加坡银行开户了,拥有了新加坡账户,这不仅方便拓展业务,还方便了收付外汇,收付外汇的同时当然免不了银行汇款收款,那新加坡银行间汇款收款需要提供哪些资料,如何填写,银行汇款手续费怎么收取呢?银行汇款方式有哪些?

Among the countries in Asia, Singapore stands out for its strong financial capabilities and social welfare. Particularly, the financial industry in Singapore has thrived, making it an internationally renowned financial hub. Singapore boasts a well-developed banking system, and many business professionals now open accounts with Singapore banks. These accounts not only facilitate business expansion but also streamline foreign currency transactions. However, when it comes to sending and receiving bank remittances in Singapore, what information is required, how should it be filled out, and what are the associated fees? Let's explore the various aspects of bank remittances in Singapore.

新加坡银行汇款收款信息汇编 Compilation of Remittance and Receipt Information from Singapore Banks

1、OCBC Bank 华侨银行

BANK NAME 银行名称 OVERSEA-CHINESE BANKING CORPORATION LIMITED
SWIFTCODE 汇款代码 OCBCSGSG
BANKADDRESS 银行地址 OCBC CENTRE FLOOR 9 65 CHULIA STREET
BANK ZIP CODE 银行邮编 049513
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

2、大华银行

BANK NAME 银行名称 UNITED OVERSEAS BANK LIMITED
SWIFTCODE 汇款代码 UOVBSGSG
BANKADDRESS 银行地址 80 RAFFLES PLACE #08-00 UOB PIAZA
BANK ZIP CODE 银行邮编 048624
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

3、 DBS Bank星展银行

BANK NAME 银行名称 DEVELOPMENT BANK OF SINGAPORE BANK LIMITED
SWIFTCODE 汇款代码 DBSSSGSG
BANKADDRESS 银行地址 3 Shenton Way, Shenton House
BANK ZIP CODE 银行邮编 068805
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

4、 Standared Chartered SG渣打银行新加坡

BANK NAME 银行名称 STANDARED CHARTERED BANK
SWIFTCODE 汇款代码 SCBLSGSG
BANKADDRESS 银行地址 Marina Bay Financial Centre (Tower 1, 8 Marina Blvd, Level 1 )
BANK ZIP CODE 银行邮编 018981
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

5、Citibank Singapore 花旗银行新加坡

BANK NAME 银行名称 CITIBANK SINGAPORE
SWIFTCODE 汇款代码 CITISGSG
BANKADDRESS 银行地址 3 Changi Business Park Cres level 1 Citibank Changi Business Park instant Banking Centre.
BANK ZIP CODE 银行邮编 486026
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

6、HSBC Singapore 汇丰银行新加坡

BANK NAME 银行名称 The Hongkong and Shanghai Banking Corporation Limited
SWIFTCODE 汇款代码 HSBCSGSG
BANKADDRESS 银行地址 21 Collyer Quay, HSBC Building
BANK ZIP CODE 银行邮编 049320
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

7、BOC Singapore 中国银行新加坡

BANK NAME 银行名称 BANK OF CHINA SINGAPORE
SWIFTCODE 汇款代码 BKCHSGSG
BANKADDRESS 银行地址 4 Battery Rd, Bank Of China, Bank Of China Building
BANK ZIP CODE 银行邮编 049908
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

8、 ICBC Singapore 中国工商银行新加坡

BANK NAME 银行名称 INDUSTRIAL AND COMMERCIAL BANK OF CHINA SINGAPORE
SWIFTCODE 汇款代码 ICBKSGSG
BANKADDRESS 银行地址 133 New Bridge Rd, #01-10 ICBC Chinatown Sub-Branch
BANK ZIP CODE 银行邮编 059413
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

9、 CCB Singapore 中国建设银行新加坡

BANK NAME 银行名称 CHINA CONSTRUCTION BANK SINGAPORE
SWIFTCODE 汇款代码 PCBCSGSG
BANKADDRESS 银行地址 9 Raffles Place. China Construction Bank Corporation
BANK ZIP CODE 银行邮编 048619
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

10、ABC Singapore 中国农业银行新加坡

BANK NAME 银行名称 AGRICULTURAL BANK OF CHINA SINGAPORE
SWIFTCODE 汇款代码 ABOCSGSG
BANKADDRESS 银行地址 631 Bedok Reservoir Rd, ABC
BANK ZIP CODE 银行邮编 470631
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

11、Maybank Singapore 马来亚银行新加坡

BANK NAME 银行名称 Malayan Banking Berhad SINGAPORE
SWIFTCODE 汇款代码 MBBEMYKLSGSG
BANKADDRESS 银行地址 2 bedley Road, Raffles Place, Singapore
BANK ZIP CODE 银行邮编 048616
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

12、BNP Paribas SG 法国巴黎银行新加坡

BANK NAME 银行名称 BNP PARIBAS SINGAPORE
SWIFTCODE 汇款代码 BNPPSGSG
BANKADDRESS 银行地址 10 Collyer Quay#15-01, Ocean Financial Centre, Singapore, ENP Paribas Asset Management Singapore Limited.
BANK ZIP CODE 银行邮编 049319
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

13、ABN AMRO SG 荷兰银行新加坡

BANK NAME 银行名称 ABN-AMRO BANK SINGAPORE
SWIFTCODE 汇款代码 ABNASGSG
BANKADDRESS 银行地址 12 Robinson Road, #14-00, Far East Finance Building, ABN World Wide
BANK ZIP CODE 银行邮编 521110
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

14、CIMB Bank Singapore 联昌国际银行新加坡

BANK NAME 银行名称 CIMB BANK SINGAPORE
SWIFTCODE 汇款代码 CIMBSGSG
BANKADDRESS 银行地址 #03, 270 Orchard Rd, 02 CIMB Bank
BANK ZIP CODE 银行邮编 238857
BANK COUNTRY 银行所在国家 SINGAPORE
COUNTRY CODE 国家代码 SG

何为银行汇款?What is Bank Remittance?

银行汇款是指将现金存入指定账户的过程,存款人可以是单位,也可以是个人。银行汇款需要手续费,不同的银行所收取的费用不同。银行有不同的汇款手续。银行汇款有些技巧,而且也有需要注意的地方,比如有的银行就认汇款的帐户,这样如果帐户写错了,钱就发到别的帐户上了,这些都是值得注意的。

Bank remittance refers to the process of depositing cash into a designated account, which can be either a business or an individual account. Bank remittances incur fees, with different banks charging varying amounts. There are specific procedures for bank remittances, and some nuances and precautions to be aware of. For example, some banks rely on the recipient's account number; if the account number is incorrect, the money could be sent to the wrong account. These are important details to keep in mind.

银行汇款代码是什么?What is the SWIFT Code for Bank Remittances?

银行汇款国际代码(SWIFT Code)是由SWIFT协会提出并被ISO通过的银行识别代码,凡该协会的成员银行都有自己特定的SWIFT代码。在电汇时,汇出行按照收款行的SWIFT CODE发送付款电文,就可将款项汇至收款行。该号相当于各个银行的身份证号。

如果你的银行是知名银行,如大华银行,那么对方银行可以通过查阅Swift代码表来找到相对应的代码。当然你的收款银行主动提供该代码可以减少错误的发生几率。

The SWIFT Code, or Bank Remittance International Code, is an identification code for banks proposed by the SWIFT Association and endorsed by ISO. Each member bank of this association has its unique SWIFT code. When making wire transfers, the sending bank uses the recipient bank's SWIFT CODE to send payment instructions, ensuring that the funds are transferred to the correct recipient. This code is akin to a bank's identity card.

If your bank is a well-known one, such as DBS Bank, the recipient bank can find the corresponding code by consulting the SWIFT code list. Of course, your receiving bank can also proactively provide this code to reduce the chances of errors.

银行汇款手续费如何收取?How are Bank Remittance Fees Collected?

新加坡银行间汇款需要手续费,具体费用要根据所汇款金额进行收取。

注意:  

1、现在银行的银联卡都是可以接收外币的,不需要开通外汇账户。

2、在接收外币汇款前需要把开户行的英文地址和swift码准确得告诉对方。  

3、到账时间为3-5天(节假日顺延)。

Bank remittances within Singapore incur fees, and the specific charges depend on the amount being remitted.

Note:

  1. Most banks in Singapore allow UnionPay cards to receive foreign currencies without the need to open a foreign exchange account.
  2. Before receiving foreign currency remittances, it's crucial to provide the sender with the bank's English address and SWIFT code accurately.
  3. The processing time for funds to be credited is typically 3-5 days, with possible delays during holidays.

银行电汇 Telegraphic Transfer (TT)

一般银行可以办理票汇、电汇、借记卡、信用卡等多种汇款业务,其中电汇汇款最常见,也是目前各大银行普遍都支持的跨境汇款业务。通过这种方式汇款通常需要3-5天,个别情况下(比如节假日)可能会有延迟。在费用上,银行会根据汇款金额的等级向汇款人收取手续费、电报费、中转行手续费等费用;但因为手续费算法有上限(低于上限按百分比收,高于则只收上限手续费),所以在汇款金额较大的情况下,选择电汇相比于银行的其他汇款方式会更加优惠。

电汇需要去银行柜台填电汇申请书,信息包括:

1、汇款货币及金额(阿拉伯数字)

2、收款人姓名及地址

3、收款人在开户银行的账号

4、收款人在开户银行名称、SWIFT代码(SWIFT CODE)或地址

Banks typically offer various remittance services, including bank drafts, telegraphic transfers, debit cards, credit cards, and more. Telegraphic transfers, or TT, are the most common and widely supported cross-border remittance method at most major banks. This method usually takes 3-5 days for funds to be credited, with occasional delays during holidays. In terms of fees, banks charge remitters based on the amount being transferred, which includes transaction fees, telegraph fees, and intermediary bank fees. However, because the fee calculation has an upper limit (percentage-based for amounts below the limit and a fixed upper limit fee for higher amounts), telegraphic transfers are often a cost-effective choice for larger remittance amounts.

To initiate a telegraphic transfer, you'll need to visit a bank counter and fill out an application form. The required information includes:

  1. The currency and amount to be remitted (in Arabic numerals).
  2. The recipient's name and address.
  3. The recipient's account number at the recipient bank.
  4. The recipient bank's name, SWIFT code (SWIFT CODE), or address.

新加坡银行国际汇款如何填写?How to Fill Out an International Remittance from a Singapore Bank?

到银行营业厅填写汇款信息,下面以新加坡银行向中国国内工商银行汇款为例说明:

When visiting a bank branch to fill out remittance information, let's use an example of remitting from a Singapore bank to the Industrial and Commercial Bank of China (ICBC) in China:

  银行固定格式(SWIFT格式) 汇款人填写
56 INTERMEDIARY BANKER'S NAME
中转行名称
Industrial and Commercial Bank of ChinaSingapore Branch
中国工商银行新加坡分行
  SWIFT CODE
SWIFT代码
ICBKSGSG
57 Bene banker's a/c No.
收款行在该代理行的账号
8020250201
  BENEFICIARY BANKER'S NAME
收款行名称
Industrial and Commercial Bank of China.Beijing Municipal Branch, Beijing, PRC
中国工商银行北京市分行
  SWIFT CODE
SWIFT代码
ICBKCNBJBJM
59 BENEFICARY
最终受益人
Beneficiary's Name, Account No., Addressand Phone No.
收款人名称、外币收款账号、详细地址和电话

特别提醒:

1、如果您能确认境外汇款人的汇款行与上述某一汇款路径中所列中转行(即“INTERMEDIARY BANK”)为同一家银行,建议选择该条汇款路径为最佳。

2、Beneficiary’s Name 如收款人为对公单位,则填写收款人在中国工商银行总行开户的英文名称;如为个人,应与其收款账户“户名”的汉语拼音或英文拼写一致。

3、如果您的境外汇款人选择United Overseas Bank Limited, Singapore为中转行(即“INTERMEDIARY BANK”),请您务必将您在中国工商银行总行开户的19位账号完整、正确的提供给汇款人,并在其进行汇款申请时填制在“Beneficiary’s Account No.”一项中。

Special Reminders:

  1. If you can confirm that the overseas remitting bank and one of the intermediary banks listed in the remittance path are the same bank (i.e., the "INTERMEDIARY BANK"), it is advisable to choose that remittance path as the best option.
  2. If the beneficiary is a corporate entity, please provide the beneficiary's English name registered with the ICBC head office in China. If the beneficiary is an individual, the Romanization of the Chinese name or the English spelling should match the name on the recipient's account ("户名").
  3. If the overseas remitter chooses United Overseas Bank Limited, Singapore as the intermediary bank (i.e., "INTERMEDIARY BANK"), please ensure that you provide the complete and correct 19-digit account number held with the ICBC head office in China when applying for remittance. Include this information in the "Beneficiary's Account No." field during the remittance application process.

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