When you are abroad and have an urgent need to transfer money to another account in a foreign country, you may go to a local bank to remit the money.
当你身处异国的时候，有时会遇到急需转钱到另外一个国家的朋友账户上。这个时候，你会想着去找当地的银行进行汇款。
However, due to remittance rules of banks in every country, the remittance process is time-consuming and labor-consuming.Besides,the handling charge is high and remittance duration is long.
但每个国家的银行都有不同的汇款规则，操作过程费时费力，手续费高，资金到账时间慢。
If you want to send money abroad fast without going out your door, you can easily send money using your laptop computer or mobile phone. Please make sure you have opened a Chinese bank account and request your bank in China to enable online money transfers; otherwise you will be unable to use these services.
如果你想快速汇钱到国外，可以用便携式电脑或手机轻松汇款。请确保你已经开设了中国银行账户，并要求你在中国的银行能够进行网上汇款，否则你将无法使用这些服务。
Transfer Funds via Alipay支付宝汇款
Alibaba’s Alipay, or “zhi fu bao” in Chinese, a multi-function cellphone app similar to Apple Pay, has changed the way Chinese people pay for items both online or at the store.
阿里巴巴旗下的Alipay，也就是中国的支付宝，是一款类似于Apple Pay的多功能手机应用程序。它改变了中国人在网上或在商店购物的支付方式。
It has a built-in function for sending money overseas.The catch is only Chinese nationals or foreigners with a passport can send money abroad with the app.
它有一个海外汇款功能。只有中国人或拥有中国护照的外国人才可以通过支付宝进行汇款。
The process is similar to wiring money from a bank. You will need the receiver’s full name as printed on their identification, the country they are in, their address in that country, the name and address of their bank, and the bank’s SWIFT code.
这个过程类似于从银行汇钱。您需要有收款人的全名，所在国家，在该国的地址，银行名称和地址以及银行的SWIFT代码。
⚫ Fees（费用）: For transfers up to 100,000 RMB, you will be charged anywhere from 70-120RMB.Users transferring amounts over 100,001 RMB can expect fees between 140-260RMB.
转账金额在100000元以下的用户收取70-120元费用不等。转账金额超过100001元的用户收取140-260元费用。
⚫Time（时间）: After the transaction goes through, the balance will show up in the overseas account anywhere from 3-5 days.
交易完成后，余额将在3-5天内到账。
Step-by-step guide
1.Open the Alipay app.
打开支付宝应用程序。
2.Press the “Alipay” button, then “More.”
点击选择“更多”。
3.On the next page, tap “Intl.Wire” to enter the international payment page.
在下一页，点击“ 上银汇款 ”进入国际支付页面。
4.Tap “Transfer now” .
点击“ 立即汇款 ”。
5.Fill in the transfer information of the receiving bank account.
填写收款银行账户的转账信息。
6.If you have used Alipay Purse to remit money overseas before, the following instructions are for you. The sample picture below shows five bank accounts that have been paid into before, including the receiver’s name and nationality, the receiver’s bank account and receiving bank’s SWIFT code.
如果你以前使用过支付宝钱包汇款，以下说明适用于你。下面的示例图显示了之前已经支付过的五个银行账户，包括收款人的姓名和国籍，收款人的银行账户和收款银行的SWIFT代码。
7.Continue to fill in detailed payment information.
继续填写详细的付款信息。
8.The next screen will allow you to check the details of your payment information before continuing. Once you’ve tapped the confirm button, you only need to key in your payment password to finish the transfer.
下一个步将允许你在继续之前检查付款的详细信息。点击确认按钮后，只需输入付款密码即可完成转账。
A: “Receiving bank account”
收款银行账户
B: Receiver’s name and nationality
收件人的姓名和国籍
C: Receiving bank’s SWIFT code
收款银行的SWIFT代码
D: “Payment information”
付款信息
E: Amount in target currency;
目标货币金额
F: Remittance fee
汇款手续费
G: Total amount of money in yuan
人民币总金额
H: “Confirm payment information and pay”
确认付款信息并付款
Notice: The money you pay will reach the receiver’s bank account in three-to-five working days.
您支付的款项将在三到五个工作日内到达收款人的银行账户。
If you’ve learnt above methods, you can use transnational payment function of Alipay in any foreign country.
如果你学会了以上的操作方法，你就可以在任何国家使用支付宝的跨国支付功能。
Source: GuideinChina
Image: Alipay
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