越来越多的企业与国际接轨，不断拓展海外业务。但在对外贸易中，必须要解决一个基本问题，那就是收取外币。中国外管局对国内账户接收外币有一定的限制，而且在操作程序上较为繁琐，因此，很多外贸企业或个人就会想要开设一个外币账户，也就是我们所说的离岸账户。
Nowadays, more and more enterprises are inclined to expand overseas business. But in foreign trade, it can be troublesome to collect foreign currency sometimes. The State Administration of Foreign Exchange of China has a series of restrictions on the receipt of foreign currency through domestic accounts, and the procedures can be cumbersome. Therefore, many companies or individuals in foreign trade may want a foreign currency account, which is what we call an offshore account.
离岸账户是指存款人在其居住国家以外（在中国含港澳台地区）开设的银行账户。其开户银行必须是经过当地银行的金融管理局监管的银行业，开户主体是非居民法人或非居民个人。
Offshore accounts refer to bank accounts opened by depositors outside their country of residence (in China, it includes Hong Kong, Macau and Taiwan). The issuing bank of an offshore account must be a bank supervised by the financial authority of the local bank, and the depositor must be a non-resident legal person or a non-resident individual.
However, the application of a traditional offshore account is quite complicated. It requires the presence of the depositor when opening an account, and the maintenance fee is high. Therefore, some foreign trade people might prefer offshore accounts opened by third-party payment companies, such as XTransfer, WorldFirst, PingPong, CBI and so on.
XTransfer开设的多为虚拟账户，转入到XTransfer的资金将由XTransfer实益持有, 并且不会由XTransfer代表用户以信托方式持有, 直到资金结算到用户的用户银行帐户为止。
However, it should be noted that most of XTransfer accounts are virtual accounts. The funds transferred to a XTransfer account will be beneficially held by XTransfer, and will not be held in trust by XTransfer on behalf of the user until the funds are settled in the user's bank account.
而背靠英国EMI的万里汇以及背靠卢森堡EMI的PingPong都没有银行清算号，因此在跨境付款中会有较多限制。
Besides, Worldfirst, which is backed by British EMI, and PingPong, which is backed by Luxembourg EMI, both have no bank clearing code, so there will be more restrictions in cross-border payments.
且第三方支付公司与银行不同，它不受央行的监管。支付公司以公司的名义在银行开立主账号，给客户开立主账号下的虚拟账户进行收汇。所有客户的资金都存在支付公司主账户下，存在挪用风险。更有一个致命的安全隐患，客户所存放的资金可能会被冻结，如果境外资金出现问题或将很难被追回。
And third-party payment companies, unlike banks, are not regulated by the People's Bank Of China. The company opens a main account in the bank in the name of itself and opens virtual accounts under the main account for the customers to receive foreign exchange. All customers’ funds are stored in the main account of the payment company, which may lead to a risk of misappropriation. The overseas funds deposited by customers may be frozen, or difficult to get back if problems occur.
那是不是外贸人收结汇就毫无出路了呢？当然不是！你完全可以试试开立一个泛付账户。
Is there no way out for foreign trade people to collect and settle foreign exchange? of course not! You can try a PanPay account!
泛付（PanPay）是一家为外贸企业和个人提供真实离岸账户的欧洲数字银行，支持24种主流币种汇兑，支持全球收付款。
PanPay is a European digital bank that provides real offshore accounts for foreign trade companies and individuals. It globally supports the transfer among 24 mainstream currency exchanges.
更重要的是，泛付符合欧盟最高等级资金监管要求，用户资金百分百存放于泛付在境外央行开立的备付金账户中，无任何挪用风险。此外，泛付还具备独立银行清算号（38700），可以开立真实离岸账户，能做到合法合规结汇。
More importantly, PanPay complies with the EU's highest level of fund supervision requirements, and users’ funds are all deposited in the reserve account opened by PanPay with an overseas central bank, without any risk of misappropriation. In addition, PanPay has an independent bank settlement code (38700), which enable it to open real offshore accounts and achieve foreign settlement legally and compliantly.
At present, there is only PanPay that enjoys all above-mentioned advantages at the same time.
泛付还是环球银行电信协会（SWIFT）成员机构，拥有全球独立SWIFT 代码PAEOLT21。
PanPay is also a member of Society for Worldwide Interbank Financial Telecommunications (SWIFT), with a global independent SWIFT code “PAEOLT21”.
泛付账户的优势
Advantages of a PanPay account
支持全球美金、英镑入账、支持欧元区SEPA入账，支持资金停留、汇兑、转账、真实账户、自由度高。
A PanPay account supports global entry of dollars, pounds and Euro from SEPA. As a real account, it also guarantees high freedom in stay, exchange, and transfer of funds.
直连欧盟央行清算系统，受欧盟央行监管，资金安全有保障。
PanPay is directly connected to the settlement system European Central Bank and supervised by it.
本地化服务，在线人工微信一对一客服，人工电话服务，客服支持中英文沟通。
PanPay provides online manual WeChat one-to-one customer service, and manual telephone service, which available to in both Chinese and English.
开户便捷 Convenient for account opening
银行数字化服务，线上提交申请，无需临柜。2-3个工作日即可开户，开户资费低。
It only requires online application, with no need to go to the counter in person. An account can be opened within 2-3 working days with low cost.
支持欧盟企业、英国企业、美国企业、新加坡企业等开户，支持中英文客服沟通，让您的国际贸易如国内贸易顺畅无阻。
Panpay supports account opening for companies in many countries, including Europe, Britain, America, Singapore, etc., and provides customer service in both Chinese and English for communication, ensuring you an unhindered trade worldwide.
多种离岸账户相比较，泛付无疑是最安全的一种。金钱往来还是安全为上，不然轻则竹篮打水一场空，重则可能会触犯国家法律！
Compared with various offshore accounts on the market, PanPay is undoubtedly the safest one. Security is the top priority for money exchanges. Accounts with low security will not only cause damage in money, but may even lead you to violation of laws and punishments!
另外，值得注意的是，个人在泛付官网开户只有一次申请机会，若申请失败，将再无法进行申请。但若通过秘书公司申请开户，则有两次机会。并且官网申请的结汇费率是固定0.5%，而秘书公司申请可以帮您申请优惠的结汇费率哟。
It is worth noting that an individual only has one application chance to open an account on the official website of PanPay. If the application fails, he/she will not be able to apply again. However, if apply through a secretarial company, there will be two chances.And the foreign exchange settlement rate applied on the official website is a fixed 0.5%, while a secretary company can help to apply for a preferential rate.
所以为了保险起见，还是找个秘书公司帮忙吧，他们的经验更丰富，服务也全面，远比你自己盲目摸索要简单快捷得多。
So just to be on the safe side, it is better to find a secretarial company for help, which is much simpler and faster than blindly groping by yourself since they have more experience and comprehensive services.
If you also want a PanPay account, welcome to contact us~
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