我简化一下：））

来源: 一笑拉于 2020-10-28 20:42:47 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (14795 bytes)

回答: Google一下就清楚了，什么可以什么不可以由水中捞月于 2020-10-28 20:37:13

Here’s a brief summary of the main features of the multi-currency accounts available to US citizens and residents, from the following providers:

	TransferWise borderless account	Citi International	HSBC Expat	TIAA WorldCurrency Account
Minimum balance	$0¹	$200,000?	New customers need to hold a minimum of £60,000 in deposits or investments?	$2,500 to open or $100 per month¹²
Service fees	$0¹	$150/month if you below minimum balance?	£35/month if you don’t hit the minimum balance?	No fee apart from for Swiss franc accounts¹³
Currencies available	40+ currencies²	21 currencies?	USD, GBP and EUR?	20 major and emerging currencies
Debit card availability	Available to UK/EU residents.³ Coming soon to US residents.	Yes?	Yes, for either sterling or US dollar?	Unavailable
ATM limits	First £200 withdraw within 30 days is free, after that charge of 2%¹	£2,000 per day?	Depending on your card, up anywhere from £1000 to US$1500?	Not applicable
International transfers	Fees from 0.35%-3%	Fees from US$0-$60? + likely exchange rate markup? + possible other bank fees if sent via SWIFT?	Fees from £0-£35¹? + likely exchange rate markup¹¹	TIAA SWIFT wire fee of $35 waived if converted by TIAA first + Conversion fee + correspondent bank fee of $30
Exchange rate used for currency conversion	Mid-market rate —?like the rate you find on Google + percentage fee depending on the currencies	Citi IPB Reference Exchange Rate? — likely poorer than the rate you find on Google	The smaller the amount you transfer, the worse the rate¹¹ — likely poorer than the rate you find on Google	Base rate + currency spread up to 1%¹³ — generally 0.75% spread if exchanging less than $100,000 but get better when you send more¹?
Local bank details	Currently available to receive local bank details for domestic transfers in the UK, the EU, and Australia	Not offered	Not offered	Not offered