如何利用TransferWise的48小时汇率保证,来获取最好的转款汇率

Updated on April 20th, 2021

TransferWise提供收费低廉,转钱方便快速安全跨境转款服务。TransferWise的其中一个特色,就是提供最高48小时的汇率保证。这样一来,就等于让我们有48小时来根据当时的汇率来决定是否继续转款。关于TransferWise详细介绍戳这里

TransferWise提供所有货币24小时的汇率保证,而这些货币AUD, BGN, BRL, CAD, CHF, EUR, HKD, HRK, JPY, RON, and SGD,则是48小时。当然TransferWise也不是傻子,这个保证只限于5%的变动之内。如果在时限内汇率有超过5%的变动,TransferWise有权取消变易,把钱退回给你。另外如果你频繁地把汇率锁住,试图找出最好的汇率,这种次数发生得太多的话,TransferWise也会做出相应的限制。

要把汇率锁住办法很简单,只需要开始一个新的转款交易,到最后需要转钱的一步,先不转钱。TransferWise就会把这个未完成的交易保留下来,如果你在时限内转钱,就按之前已经锁定的汇率计算。如果超过时限,就按当时的新汇率计算。

结语

无论如何,5%以内的汇率保证实在不是一个小数目。举例说你要转1000加元到美元,以当时0.75的汇率来计算,可以得到750美元。如果1天之后加元升到0.8,那你大可以把之前的交易取消,然后按0.8的汇率来转钱,可以得到800美元。另一方面,如果加元跌到0.72(5%以内),那你可以选择按原来的汇率转钱,还是能拿到750美元,而不是720美元。现在使用TranserWise的注册链接 ,新用户有转换前500英镑,又或者是800加元免费。

TransferWise官方条款

How long is the rate guaranteed on my transfer?

We guarantee your rate for 24 hours for every currency except: AUD, BGN, BRL, CAD, CHF, EUR, HKD, HRK, JPY, RON, and SGD, where the rate is guaranteed for 48 hours.

A few exceptions:

from CHF to EUR: 24 hours
from CZK to INR: 48 hours
from DKK to INR: 48 hours
from HUF to INR: 48 hours
from NOK to INR: 48 hours
from NZD to AUD: 48 hours
from NZD to BRL: 48 hours
from NZD to CHF: 48 hours
from NZD to EUR:48 hours
from NZD to GBP: 48 hours
from NZD to HRK: 48 hours
from NZD to INR: 48 hours
from NZD to JPY: 48 hours
from NZD to USD: 48 hours
from PLN to INR: 48 hours
from SEK to INR: 48 hours

And if you’re adding money to any of the currencies in your borderless account, the guaranteed rate lasts for 6 hours only.

What if my transfer falls on a weekend?

Banks don’t process transfers over the weekend – they start paying them out on the following Monday. Because of this, we don’t count the weekend when we calculate guaranteed rates.

For example, if you start a EUR to GBP transfer (48 hour rate lock) on Friday, at 5:00 PM, your rate will be fixed until Tuesday at 5:00 PM.

How many transfers I can set up with a guaranteed rate?

You can’t set up an unlimited number of transfers with a guaranteed rate. And you should only set up a transfer if you intend to complete it. We’ll limit the number of guaranteed rate transfers you can make if we notice you’re setting up multiple identical ones to get the best rate.

If you create multiple transfers for the same amount but only paid for one of them, we’ll assign your deposit to the first transfer you created. You can cancel any transfer you don’t intend to complete and leave just one active, so we know where to assign your money to.

Keep in mind that if you remain at one step of the transfer set-up process for more than 30 mins, the guaranteed rate will refresh.

What if the rate drops significantly?

When you create a transfer with a guaranteed rate, you’re subject to a rate limit of 5%. So if the rate drops by 5% or more before we receive your money, we reserve the right to cancel and refund your transfer and refund. If that happens, we’ll send the money back to the account it came from.