银行及金融

It takes hard work to save for your study abroad program and we want your money to go as far as possible.

While budgeting and discipline make up the foundation of any good financial plan, there are various ways to access and spend your money while abroad, which may impact how far your money goes.

下面解释了这些方法，以及使用每种方法时需要注意的事项。根据你旅行的地方，某些方法会比其他方法更有利。 It is important to speak with your program director to understand which methods are most appropriate for your program.

It's worth the time to familiarize yourself with the local currency used in your study abroad destination. Make note of the type of curency and denominations, and the exchange rate to the U.S. dollar. Taking a few minutes to learn about the currency can make it easier to understand how much you are spending on your various purchases.

In many countries you can use your debit card at an ATM and withdraw cash in the local currency. Usually, you will get a good exchange rate, but you need to be aware of the following fees which you may be occur each time you withdraw money from an ATM in a foreign country:

您银行的国外ATM机手续费
国外ATM机的手续费
货币兑换费

You should also be aware that your bank has a limit on the amount of money you can withdraw per day. Contact your bank and inquire about their ATM fees, understand your daily withdraw limit, and get a sense of how easy it will be to find an ATM where you will be studying. You may also want to inform your bank that you will be traveling as some banks may become alarmed when they notice foreign activity on your account and freeze your funds until they can ensure that it is you who is withdrawing the money.

In many countries you can use major credit cards as a convenient way of paying for items. Most credit cards offer the added security of not holding you liable for fraudulent charges.

根据你的信用卡，你在国外使用时可能会被收取一定的费用。联系你的信用卡公司询问这些费用是很重要的。 Some of the common fees include:

每次购买的转换费（通常为购买价格的1-3%）
提现费及利率（通过自动柜员机提现）

Make sure to inform your credit card company that you will be traveling as some companies may become alarmed when they notice foreign activity on your account and may freeze your card until they can ensure that it is you who is withdrawing the money.

In some countries, credit cards are used much less frequently than they are in the US. Ask your program director what types of businesses are likely to accept credit cards. You may also want to see how easy it would be for you to use your credit card abroad. Mastercard and Visa offer tools to help find ATM machines abroad that work with their system.

Countries in Europe use a chip and pin system for credit and debit cards issued in their countries. 用信用卡或借记卡支付是一种更安全的方式。 Instead of using your signature to verify payments, you will be asked to enter a four-digit Personal Identification Number (PIN) known only to you.

You may encounter some challenges abroad trying to use a standard US credit card without a chip. It may be possible to get a chip and pin card from your current credit card company.

Although not as widely accepted as credit or debit cards, traveler's checks are still used and provide users with the following benefits:

旅行支票遗失或被盗可以退款。
Traveler's checks are not tied to your bank account or personal information, so your identity cannot be stolen.
Traveler’s checks can be purchased through many banks and through AAA for a small fee. Some banks overseas charge a fee for each check cashed so you may want to get them in larger denominations.

西部联合电报公司 provides international service and allows you to receive money at a foreign bank or post office directly from your family in only a couple of days.

速汇金是另一种汇款方式。你可以访问速汇金代理地点（比如一些沃尔玛），然后把钱汇到世界各地的银行。你也可以在网上汇款。

Determining the amount of money you will need during your stay abroad can be difficult, especially if you are a first time traveler. Different countries have different standards of living based on their economies.

First, try to find out the cost of living expenses in the country that you are visiting, such as transportation fares, rent, products, etc. Ask for advice from your program director and from students who have been through the same program or been in the same country.

最后，建议你做好预算 多出20% than what you think you will need as it will help you in unexpected situations such as lost or stolen money or items. You should be prepared to cover unanticipated expenses that may come up during travel due to incidents such as canceled flights, missed flights connections, itinerary changes, etc.

为出发做准备

出国留学

银行及金融

主要内容

为出发做准备

出国留学

银行及金融

了解当地货币

借记卡和自动取款机

国外信用卡

芯片和Pin信用卡

旅行支票

布线的钱

现金流