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有个朋友回我的帖子提到hsbc这个银行，
我上他们网站查了，我把我查到的信息在这里贡献出来
http://www.hsbc.com.au/1/2/personal/savings/cash-management
他们是可以存外国货币的
Cash Management Account - Key Features
* Competitive interest rates
* Immediate access to your cash
* Minimum opening deposit of AUD10,000
* Also available in major foreign currencies.
ls有个人提到已经换了很多美元了，如果超过1000，这个也许是选择，存是可以存的，就是不知道用澳元取出来的时候汇率他们怎么算。
1.6 Foreign Currency Savings Account
Account Service fee
• Monthly fee payable where average
monthly balance falls below $1,000* $10.00*
Total monthly free withdrawals 10#
Excess withdrawal fees – per transaction $7.00#
Other
• Deposits nil
• Balance enquiries nil
• Overdraft Arrangement Fee $9.00 plus daily interest
at Excess Rate†
* The minimum average monthly balance at any time is the amount in the currency of the account which, when converted to AUD at that time, is not less than the minimum specified. The Account Service Fee is the AUD equivalent in the currency of the account when converted.
# Via permitted access methods.
† Excess Rate means our applicable Base
Lending Rate plus 5% per annum.
可以以澳元或者美元的方式取出来
You may make an unrestricted number of withdrawals in the following manner:
* In Australian dollars
但是没有找到汇率的信息，只有这么一句话
Costs, Fees and Charges
When you enter into an FX Transaction with HSBC, you agree to pay one currency in exchange for another currency at a fixed rate on an agreed delivery date, or by mutual negotiation, before the agreed delivery date.
Exchange rates vary depending on a range of factors such as interest rate differentials, economic conditions and government actions. What you pay will depend on the type of contract you enter into. For a forward contract, what you pay will depend on factors such as the time to maturity of the contract and interest rates.
就是说汇率他说了算。我跟白人打交道的经验，他们含糊其辞的时候就是要占你便宜的时候
不过有一点我是肯定的，如果在澳洲用澳元买外国货币汇率上是很亏得
The applicable exchange rate is the Bank’s Note selling rate for that currency against AUD.
[ 本帖最后由 chining 于 17-11-2010 23:24 编辑 ] |
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楼主: guitarra
发表于 13-10-2010 20:52:43
楼主
，打算先换点够花的，把RMB存在HSBC中国，开个卓越理财账户，做短期存款，澳洲钱吃紧了就换点汇点，等汇率下到6时再一次性网上换了汇过去，这样还免手续费和电报费啥的，当然HSBC中国得保留50wRMB，最后都汇走后，就关闭HSBC，彻底转到NAB或CBA去
发表于 17-11-2010 01:35:10
