The remittance from foreign customers has not arrived for half a month. The information on the memo is correct, but it has not arrived. What should I do?

Generally, overseas remittance will arrive in the account within 3 days at the latest, or the same day if it is fast. General foreign customers say that the remittance has not arrived, and there will be the following situations:

1. Although foreign customers have remitted money to the bank, the value date is a few days or more late, and the actual position has not been transferred.

2. The remittance information of remittance bank is incomplete or incorrect. 3. Anti-money laundering. 4. Non-existent remittance. You can consult the bank and see if you can send a message to confirm whether there is any remittance.

Cross-border transfer method

First, remittance through online banking.

Through online banking remittance, you can directly choose some foreign banks. As long as these banks join the international settlement system, they can remit money normally.

Of course, at present, some domestic banks have some smart cards, through which you can use domestic mobile banking or online banking to remit money directly back to China.

Remittance through online banking is relatively simple, but the amount is relatively small, generally not exceeding $2,000. If it exceeds $2,000, it is possible to provide proof of legal income.

Second, remit money to local bank outlets.

When you remit money to these banks, you need to provide your name, bank account, bank address, bank name and code (Swift code). Besides, you must have a foreign exchange account in China to receive the money. At present, some big banks can open such foreign exchange accounts. After preparing these procedures and materials, you can submit them directly to the bank, and then the bank will convert them into RMB at the corresponding exchange rate for remittance.

However, the international payment fee is generally higher. For example, if the United States remits money back to China, the single handling fee may reach more than 10.

Third, Western Union telegraphic transfer.

Western Union telegraphic transfer is one of the largest remittance service providers in the world. There are more than 500,000 cooperative outlets in more than 200 countries and regions around the world, and more than 28,000 cooperative outlets in China.

This is also the most commonly used way of international remittance at present. If you want to remit foreign money back to China, you only need to go to the local Western Union wire transfer cooperation network and provide relevant information as required, so you can remit money normally. The remittance time of Western Union is relatively fast, generally 1~5 days, and the fastest even 15 minutes.

But in the three aspects we mentioned above, there are some places that need special attention:

1. If the remittance amount exceeds a certain amount, proof of legal income is required. For example, in the United States, the remittance amount exceeds a certain amount.

2. When settling foreign exchange in China, a single foreign exchange amount exceeds 3,000 US dollars, which may need to be declared, that is, proof of legal income source must be provided.

3. Company accounts cannot be transferred to personal accounts, and personal accounts cannot be transferred to company accounts.