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《国际结算》习题集
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3秒自动关闭窗口银行电汇和转帐有什么区别，电汇就是转帐吗？_百度知道
银行电汇和转帐有什么区别，电汇就是转帐吗？
电汇：是汇兑（包括信汇、电汇）结算方式的一种，由付款人填制付款委托书，通过银行办理付款手续；转账：是非现金形式的货币收、付业务，一般通过银行办理；转账有以下结算方式：银行汇票、商业汇票、银行本票、银行承兑汇票、转账支票、汇兑、委托收款、托收承付等结算方式。
电汇是汇兑结算方式的一种，汇兑结算方式除了适用于单位之间的款项划拨外，也可用于单位对异地的个人支付有关款项，如退休工资、医药费、各种劳务费、稿酬等，还可适用个人对异地单位所支付的有关款项，如邮购商品、书刊等。电汇可以在只知道对方用户名和帐号的情况下给对方汇款。
其他类似问题
为您推荐：
提问者采纳
的问题关键点是 钱在邮政
收钱的在农行
不便的地方是这两天是周末 跨行确实到不了。所以只有2种选择1.去邮政取现金 再拿到农行去 做现金汇款
这样做 坏处是 跑两家
好处是 钱到得快 2.直接在邮政做跨行汇款 这样做 坏处是 钱到得慢
好处是 只要跑一家银行ps
看来 那家邮政的大堂经理确实不懂业务 没给你指点对
提问者评价
，我疑惑的是：我直接用农行卡把钱转到我要电汇的那个帐户就可以了吗，连个凭据都没有？
来自团队：
其他2条回答
汇和转账其实都是基于人行的大额实时和小额支付网络。那个邮政的大堂经理不懂业务而已，对公业务叫电汇，只不过个人业务称为转账
凭据，ATM机会打印一个凭条
等待您来回答
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出门在外也不愁银行电汇_百度百科
银行电汇：是指银行以电报（CABLE）、电传（TELEX）或环球银行间金融电讯网络（SWIFT）方式指示代理行将款项支付给指定收款人的汇款方式。
银行电汇简介
银行电汇：汇出行接受（申请）人委托后，以电传方式将付款委托通知收款人当地的汇入行，委托它将一定金额的款项解付给指定的收款人。电汇因其交款迅速，在三种方式中使用最广。
电汇是一种由于汇款速度快捷，在实际业务中应用最为广泛，其银行收费相对较高，除汇款手续费之外，还需收取相应的电讯费用。
银行电汇流程
1.到银行的会计业务柜台 办理 电汇 业务
2.在电汇凭上填写对方的 收款账号 户名 行行名
3.电汇手续费1% 最低1元 最高50元 最快当日到账 慢则次日到账
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