Cashier's check

[abcdefg]

Does anyone know how to say cashier's check in Chinese?

 

MDBG dictionary gives 现金支票 but I would like to verify. (They don't speak English at my bank.)

 

I would be obtaining it at BOC. Here's their English information page on the subject. 

 

http://www.boc.cn/en/cbservice/cncb6/cb61/200811/t20081112_1324233.html

 

I think 现金支票 is probably correct, based on this:

 

http://srh.bankofchina.com/search/sitesearch/index.jsp

 

(Latest versions of Firefox no longer supports the Perapera Add-On, and I am crippled without it.) Bloody embarrassing.

 

Thanks.

 

This is about their tool no longer working: http://www.perapera.org/

[gato]

It should be 银行本票. The money is drawn from the bank's own account, which guarantees that the money is available.

支票 is paid out of your own account. The money may or may not be there.

http://www.boc.cn/cbservice/cncb6/cb61/200811/t20081112_10048.html

产品名称

银行本票

产品说明

银行本票是银行根据客户申请签发的,承诺自己在见票时无条件支付确定的金额给收款人或者持票人的票据。银行本票分为现金银行本票和转账银行本票两种，提示付款期为2个月。

产品特点

1.出票时已将款项交存银行为前提，以中国银行信用为付款保证；

2.转账本票在同一票据交换区域内代理付款行见票即付；

3.跨系统提示付款时与出票行系统直连，款项解付安全，实时到账。

http://wiki.mbalib.com/wiki/%E4%B8%8D%E5%AE%9A%E9%A2%9D%E9%93%B6%E8%A1%8C%E6%9C%AC%E7%A5%A8

银行本票票样

[abcdefg]

Thanks very much, Gato. Appreciate it!

[Shelley]

I installed SOBA talking popup translator addon. Its ok, it works but I don't like it as much as Perapera, but it will do till they fix it. I emailed them and the reply I got was basically the same as the notice on their website but also that they are fixing it but firefox can be slow at accepting updates.

[abcdefg]

I think I will start a new thread in the computing sub-forum to get other ideas on what to do until Perapera and Firefox arrange some marriage counseling and get their issues resolved. Each one seems to blame the other.

[abcdefg]

Went to the bank this morning and the teller said what I needed was 银行汇票。Seemed rather unfamiliar with the whole process; had to consult a manual and talk with a senior colleague or supervisor. Didn't recognize 银行本票 even though I had it written out.

 

I didn't complete the transaction; told her I would think it over. Perhaps I just got a new teller and will have better luck next time. I tried to clarify what I wanted by adding 好像一张 保付支票。But that only added to the confusion. 

 

This is the VIP section of the largest BOC in Kunming, and they don't have an English speaker on staff. (Maybe one is hidden away in a back room; I didn't carry out a vigorous search.)

 

Gato, any thoughts on how the 汇票 might differ? Think it would get the job done?

 

What I want to do is send money to a friend in the US without executing a wire transfer. Want to just messenger a check via FedEx, EMS or similar track-able express shipping method. Will send it in US Dollars; he can cash it at his bank.

[gato]

You didn't mention before that the check would be cashed in the US. In that case, why not just a wire transfer? It would be much simpler, and the transfer would reach your friend's account within 24 hours.

[abcdefg]

Cannot do a wire transfer for complex legal reasons that are important to the recipient. Have to send a physical check. (Sorry, but I cannot explain the situation more fully here on the forum. Nothing shady or illegal, just 有点复杂。)

[imron]

With the massive increase in electronic surveillance (both commercial and governmental) that has happened in recent years, it's understandable that some people would choose to stay off the grid in order to opt out of all that.

Nothing wrong with that, but it'll definitely become more and more difficult to do.

[abcdefg]

Exactly. My friend is a high-net-worth individual who is concerned he might come under scrutiny for "structuring" and feels that wire transfers, any and all, are a sure way to attract unwanted attention. Not sure if he's right or wrong about all this, but I must respect his wishes in the matter as best I can.

[gato]

In that case, 银行汇票 should be ok for your purposes. 银行汇票 is a kind of 汇票 that is paid out of the bank's account. See below. You might want to print out these web pages and bring them to the bank with you.

http://www.boc.cn/cbservice/cncb6/cb61/200811/t20081112_10046.html

全国银行汇票

 

 

http://zhidao.baidu.com/question/457401289.html

中国银行汇票到美国托收

请问各位高手，我即将去美国留学，想在中国银行办理一张美元汇票，收款人写成我自己，然后到了美国找一家当地的银行（没有中国银行）开立一个checking account，把这张汇票托收，请问从开始托收到收到钱款，一共大约需要几天？在国内中国银行问，服务人员说需要45天！

跨境的业务，中间中转的环节比较多。而且票汇的托收要考虑快递的时间，境内服务人员的45天就较为保守的说法。

费用方面，只要是国外银行，收费都要比国内银行高许多。

因此，从速度，费用，安全性等多方面考虑，银行一般会建议客户直接办汇款，这样基本可以保证2-3天到账，费用只要支付国内银行汇款手续费就可以了。

http://finance.sina.com.cn/money/lczx/20120618/070212336762.shtml

　汇票是大家较为熟悉的业务之一，也是这五种途径中费用最便宜的。据中信银行(6.35,-0.07,-1.09%)出国金融服务专家介绍，该行的汇票业务只需要交1%。的手续费，最低50元人民币，最高250元人民币。孩子可随身携带汇票到国外，再去银行网点兑付，无需接收账户，但兑付时需要的托收时间较长，一般为40-60天。

　　如果嫌汇票和电汇麻烦，还可以选择旅行支票。旅行支票的优点是面额较小，使用方便，可在境外酒店、商场、出租车等场合直接消费，也可以到当地银行或兑换机构兑换当地现金，但手续费用较高。在国内银行购买的时候，一般要交1%的手续费，且上不封顶。另外，孩子在境外兑付时还要缴纳0.75%的手续费。让孩子携带国际信用卡到境外刷卡也是比较方便的方式，但受额度上限限制。美元卡在非美国家(如欧元区)刷卡时，有货币转换手续费

[abcdefg]

Thank you again, Gato. I will do that (print it out and take it along.)

[abcdefg]

Follow up:

 

Cashier's check is 银行汇票。 At least that's what works at my bank in Kunming.

 

Related financial information: Wire transfer is 电汇。