赴美國留學匯款問題是不可避免的，大家也都愿意選擇最便捷，最省錢的方式來匯款。那么在美國有幾種不同的虧款方式，學生選對匯款方式也是一種省錢的方法。下面小編就針對這幾種匯款方式為大家介紹一下。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

1.支票匯款

優點：省錢，便利

缺點：速度慢

匯錢方法：在美國的開戶銀行領取一本或者一聯支票，填寫方法與往常一致，可以在memo上寫中文姓名和收款人的證件號。

收款方法：收款人在中國任何一家辦理外匯業務的銀行憑身份證辦理托收。

時間：一個月左右，美金到賬后銀行會電話通知收款人，提款時可以選擇美金或者人民幣兩種方式。

提示：部分高級賬戶或者特殊申請，可以免除wire fee（電匯手續費），口才好的客戶不妨試一試。

2.現金攜帶

優點：不受匯率影響，省錢

缺點：危險是必然，需要像海關申報

匯款&收款方式：人肉攜帶

提示：不同銀行的匯率不同，想換大金額的朋友們請提前查詢一下。

3.銀行直接匯款

在美國的中國銀行分行直接向中國的銀行存款，在洛杉磯和紐約有不少中國的銀行分行，和一些國家大型銀行的國際外匯業務辦理點，不同銀行的名稱不同，但是這么做也有不少利弊。

優點：安全，有會說中文的服務人員

缺點：要另計交通時間，有時候人多可能需要排隊

匯款方式：到中國銀行在美國的柜臺，領取表格辦理

時間：一般24小時內到賬。

費用：不同銀行的手續費不同，一般3,00美金以下，幾十美金的手續費。

4.人民幣/美元雙幣信用卡

同學們在出國之前可以辦理雙幣種信用卡，父母持有主卡，自己持有副卡。出國之后使用信用卡支付非常方便，只要輸入信用卡信息就可以支付了，而且無需密碼。一般的信用額度足夠留學生在外生活，所以不必擔心額度不夠。

提示：千萬不要使用中國國內的信用卡在美國交學費，因為銀行要收取2%至3%的手續費，學費基數大，非常不劃算。

5.paypal匯款

PayPal跟中國的支付寶很像，不同的是它支持國際轉賬和匯款，全球超過90%的跨國賣家和超過85%的買家認可并正在使用PayPal電子支付業務進行國際匯款。

優點：安全，高效，適合高額轉賬或者貿易交易

缺點：需要匯、收款雙方都有Paypal賬號

方法：綁定一張國際雙幣種信用卡(可以消費人民幣及美金的信用卡)，然后進行認證以后就可以使用了。