線上換匯 / 提領一把罩 ─ 台新 Richart ATM 外幣提款機

之前有做過線上換匯,大多是有目的性的,不過從來沒有領出外幣過,這是土包子小蛙第一次領出外幣來,留一篇文作紀念,也留給有需要的網友。

小蛙今天用的是台新推出的 Richart 帳戶,相信大家對 Richart 不陌生吧!就是那個白色的,很可愛的狗狗啊!好吧!不知道也沒關係,不影響今天的主題。

一般來說,要取得外幣有幾種方式:

  • 臨櫃領出
  • 線上換匯,外幣 ATM 領出
  • 線上換匯不領出,做其他用途

小蛙今天要介紹怎麼透過台新 Richart 線上換匯後,找住家附近的外幣 ATM 領出,這樣有什麼好處呢?繼續看下去吧!

線上換匯 vs 臨櫃

相信大家到銀行的時候,可以看到匯率牆上的數字在跳動,看起來大概像這樣

即期買入即期賣出現金買入現金賣出
USD30.471030.571030.280030.7570
JPY0.27830.28180.27600.2840

這裡面大概一看就懂的就是「現金」,顧名思義現金就是到臨櫃去換「外幣現金」出來,以此基礎推論,線上換匯(非臨櫃)就是採用「即期」來計算。

而買入、賣出是以銀行端為主,不是以使用者為主,所以

即期(線上換匯)買入(銀行跟你買 / 賣給銀行)
即期(線上換匯)賣出(銀行賣給你 / 跟銀行買)
現金(臨櫃)買入(銀行跟你買 / 賣給銀行)
現金(臨櫃)賣出(銀行賣給你 / 跟銀行買)

我們要買外幣的話,以「即期賣出」跟「現金賣出」來比較,即期的話美金只要 30.5710,現金的話卻要 30.7550,為什麼現金比較貴呢?那是因為銀行要提供現金給使用者,必須要承擔一些風險,即期不需要準備現金給使用者兌換,因此即期的匯率會比現金的漂亮。

那如果是出國要換現金的話要怎麼辦呢?除了臨櫃可以拿到現金之外,在一些提供外幣 ATM 的銀行,還可採用線上換匯之後,到外幣 ATM 提領的選項喔!

Richart 換匯密技

目前台新提供的匯率

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而 Richart 目前有最新的優惠(到 2019/12/31 喔!)以美金為例,比公告的牌價還要再減 3 分!

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但是,真的有那麼好康的事情可以讓人換到便宜的現金嗎?有這篇文章當然就是有了的啦!本來臨櫃換匯的話用的是比較貴的現金賣出,改成 Richart 線上換匯之後,除了用比較漂亮的即期賣出計算之外,又再有優惠減分,但是最後領出時,透過台新外幣 ATM 提領需要 100 元台幣手續費,說到底還是要手續費嘛~

不不~一直到今年年底前(2019/12/31),每季可以於外幣 ATM 提領外幣免手續費一次(會先扣之後再回饋),小蛙寫這篇文章太晚了,只剩下最後一季了,不過如果有台新 FlyGo 信用卡的話,新增一筆不限金額海外消費,該月就可以再免費一次喔!更多詳情可參考這裡

想申請 Richart 數位帳戶嗎?如果覺得小蛙的文章有幫上您的忙,可以透過小蛙的推薦連結過去申請喔!只要透過推薦連結成功完成開戶並且綁定 app 後,您可以得到 $100,而小蛙可以得到推薦獎勵 $100,同樣的您也可以去「獎勵」對自己有幫助的部落客、自己或家人已經開戶的,從 Richart app 裡面點進去產生這個連結後再去申辦,同樣也可以喔!(肥水不落外人田)

線上換匯

Richart 換匯非常簡單,按幾下 … 就結束了~開啟 Richart app

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點選下方「總覽」頁籤,接著點左上角「外匯」,然後點選換匯,這邊小蛙使用美元優利活存 2.7% 的方案,就直接點進去了,沒這個活動的時候,下方有一個換匯的選項

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抱歉喔!如果要從外幣 ATM 提領的不可以點上面的優利活存 2.7%,要改成拉到下面,選擇台幣兌美金才可以喔!

填入要換數量,上面也可以看到目前的匯率、要扣款的金額、活存利率方案以及最重要的「交易性質」,交易性質要寫自己實際的用途作為申報用的,不可以亂寫喔!小蛙之前換日幣選的是「出國觀光旅費支出」,這邊依照自己實際用途修改。

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按下前往換匯,就~完~成~了~!就是這麼簡單(世堅貌)

外幣提領

首先,先到 台新銀行 ATM 服務據點 查詢離自己最近的外幣 ATM~找到 ATM 機器後,插入 Richart 提款卡

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選擇「外幣提款」

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輸入密碼

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選擇要提領的外幣,雖然小蛙前面是以美金換匯當例子,但這邊小蛙要提領的其實是日幣,選擇「日幣」

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選擇「外幣帳戶」,因為小蛙要提領的是透過 Richart app 換好比較漂亮費率的外幣

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選擇要提領的帳號

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選擇要提領多少錢,只可提領票面 5,000 元的幣值,小蛙領了 150,000 日幣

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確認訊息,這裡需要手續費 100 元新台幣,上面有提到過,年底之前一季首筆免費,先扣後退。

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結束交易

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吐錢囉!

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回家路上

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登愣~使用比即期更好的匯率換到的日幣喔!!!

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是不是很簡單呢!外幣 ATM 提領有金額限制,要使用這個方法提領的使用者要先去查一下限制喔!免得到時候發現領不出來又還要再跑一次臨櫃就糗了!

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