TD 匯款回台卡住 - 投資
By Andrew
at 2021-02-10T17:52
at 2021-02-10T17:52
Table of Contents
前一陣子終於等到td 開戶成功,也匯款到td買進美股了。
但畢竟錢是在海外,多少還是覺得要有走過一個完整的流程才比較放心。
所以前兩天試著申請匯款回台灣,本來以為參照網路上的文章,去下載國際電匯單,填完
送出,兩天內收款。
結果居然收到下面這個訊息說要補簽名。
https://i.imgur.com/zPOrS6w.jpg
我就覺得奇怪了,怎麼當初開戶的時候文件也有簽名啊,而且也入金到td成功,這些都沒
問
題,現在說因為安全因素什麼的要再認證簽名....讓我感覺入金容易,出金難
我後來想說反正客服電話免費就打去,結果一等等了快40分鐘才接通....(這也是一個問
題,你在台灣根本不可能等到那麼久)
https://i.imgur.com/ox1O43q.jpg
通上話後是說申請開戶的簽名跟匯款回來的不一致,反正我也還是搞不懂為何......我就
問
那這次我照著指示提供跟護照一樣的英文簽名,和護照影本,下次要在匯款回台灣就不用
再提供了吧,客服說是的,這次會把補件的簽名留檔,下次應該就不會有今天的問題。
目前進度02/10是把補件的簽名和護照影本寄給他們,等後續了。
.......................
今天我是剛開戶td小玩一下而已,戶頭只有3000美金,所以其實也沒擔心太多。
但如果說你開完戶,就開始一直投資,錢也累積越來越多,然後直到某天,人生有重大花
費,比如買房,買車,甚至大筆醫療費用等才要匯錢回台灣,那個時候才開始第一次匯款
回來,如果這時候又產生問題....自己想一下你那個時候會不會整個人很抖。
所以建議至少一定要走過一次匯款回台灣的程序。
雖然後續應該是可以順利匯款回台灣,但是經過這次的事件,更加讓我覺得如果你的部位
很小,比如說不到100萬台幣,又喜歡偏短線,那開國外戶頭是比較划算。
但如果你部位很大,比如超過500萬,甚至一千萬以上的台幣,真的就是就是乖乖去複委
託吧...美國洗錢防制法,還有稅務單位什麼的都很嚴格的,難保哪一次你就是會碰上某
某
安全因素,錢就是給你卡住無法回台。
你前幾次,甚至很多次都沒問題,那不代表你以後每次都沒問題吧?可能是你剛好沒被抽
查到之類的。
雖說錢應該不會永遠無法匯回,但是光要你補件,更新資訊,跟客服來來回回,就夠你擔
心,夠你煩了,尤其部位越大你越急越擔心。
至於帳戶持有人過世,那又變成另一個棘手問題......
我還是會用國外券商td買股,尤其是買一些台灣複委託很難買到的標的。例如tqqq,這個
在台灣要出示至少三千萬財力,證明你是專業投資人才能買。
但是說實在的我是不可能把超過30%的資金放在國外券商。
良心建議,如果你部位大,人又不是在美國當地,真的不要把整個身家放在國外券商。不
要太鐵齒。
以下是一些其他網友碰到的問題
很多人笑說複委託好貴,笨蛋才用,但你部位大起來後,花點服務費(保護費or保險費)
給
專業券商幫你服務
,你晚上睡得安心,這個錢看你覺的值不值得
https://i.imgur.com/BDsgLXe.jpg
https://i.imgur.com/RpqcN5v.jpg
--
但畢竟錢是在海外,多少還是覺得要有走過一個完整的流程才比較放心。
所以前兩天試著申請匯款回台灣,本來以為參照網路上的文章,去下載國際電匯單,填完
送出,兩天內收款。
結果居然收到下面這個訊息說要補簽名。
https://i.imgur.com/zPOrS6w.jpg
我就覺得奇怪了,怎麼當初開戶的時候文件也有簽名啊,而且也入金到td成功,這些都沒
問
題,現在說因為安全因素什麼的要再認證簽名....讓我感覺入金容易,出金難
我後來想說反正客服電話免費就打去,結果一等等了快40分鐘才接通....(這也是一個問
題,你在台灣根本不可能等到那麼久)
https://i.imgur.com/ox1O43q.jpg
通上話後是說申請開戶的簽名跟匯款回來的不一致,反正我也還是搞不懂為何......我就
問
那這次我照著指示提供跟護照一樣的英文簽名,和護照影本,下次要在匯款回台灣就不用
再提供了吧,客服說是的,這次會把補件的簽名留檔,下次應該就不會有今天的問題。
目前進度02/10是把補件的簽名和護照影本寄給他們,等後續了。
.......................
今天我是剛開戶td小玩一下而已,戶頭只有3000美金,所以其實也沒擔心太多。
但如果說你開完戶,就開始一直投資,錢也累積越來越多,然後直到某天,人生有重大花
費,比如買房,買車,甚至大筆醫療費用等才要匯錢回台灣,那個時候才開始第一次匯款
回來,如果這時候又產生問題....自己想一下你那個時候會不會整個人很抖。
所以建議至少一定要走過一次匯款回台灣的程序。
雖然後續應該是可以順利匯款回台灣,但是經過這次的事件,更加讓我覺得如果你的部位
很小,比如說不到100萬台幣,又喜歡偏短線,那開國外戶頭是比較划算。
但如果你部位很大,比如超過500萬,甚至一千萬以上的台幣,真的就是就是乖乖去複委
託吧...美國洗錢防制法,還有稅務單位什麼的都很嚴格的,難保哪一次你就是會碰上某
某
安全因素,錢就是給你卡住無法回台。
你前幾次,甚至很多次都沒問題,那不代表你以後每次都沒問題吧?可能是你剛好沒被抽
查到之類的。
雖說錢應該不會永遠無法匯回,但是光要你補件,更新資訊,跟客服來來回回,就夠你擔
心,夠你煩了,尤其部位越大你越急越擔心。
至於帳戶持有人過世,那又變成另一個棘手問題......
我還是會用國外券商td買股,尤其是買一些台灣複委託很難買到的標的。例如tqqq,這個
在台灣要出示至少三千萬財力,證明你是專業投資人才能買。
但是說實在的我是不可能把超過30%的資金放在國外券商。
良心建議,如果你部位大,人又不是在美國當地,真的不要把整個身家放在國外券商。不
要太鐵齒。
以下是一些其他網友碰到的問題
很多人笑說複委託好貴,笨蛋才用,但你部位大起來後,花點服務費(保護費or保險費)
給
專業券商幫你服務
,你晚上睡得安心,這個錢看你覺的值不值得
https://i.imgur.com/BDsgLXe.jpg
https://i.imgur.com/RpqcN5v.jpg
--
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