前面分享过《Google AdSense 电汇付款，中国银行收汇教程》后，由于收取了 12 美金的手续费，然后接下来就开始修改为招商银行来收取电汇，今天刚好收取到从西联汇款取消后 adsense 重新签发的电汇，没有手续费，不需要提供证明或者文件，也没有扣取任何手续费，所以子凡果断推荐国内 Google AdSense 用户通过电汇付款方式在招商银行收取。
After sharing the "Google AdSense Wire Transfer Payment, Bank of China Remittance Tutorial", because of the charge of 12 US dollars, then I began to modify it to China Merchants Bank to collect wire transfers. Today it happened to be received after the Western Union remittance was canceled and AdSense restarted There is no handling fee for the issued wire transfer, no proof or documents are required, and no handling fee is deducted. Therefore, Zifan decisively recommends domestic Google AdSense? users to collect it at China Merchants Bank through wire transfer.
As the broadcaster, I tried Western Union in Bank of China. Due to public-private requirements, the staff still said that there was no way after the supporting documents were provided. Later, I tried Bank of China to receive wire transfers, and then submitted a bunch of supporting documents to me. I said that I could settle the remittance into my bank account, and finally I successfully received the wire transfer, but I was charged a handling fee of $12. After asking, I said that it was collected by the intermediary bank. There was no way I was helpless, so I was decisive later Try China Merchants Bank.
Since I used China Merchants Credit Card before, I took a weekend to apply for a bank card, and at the same time consulted the bank staff about the wire transfer collection situation (China Merchants Bank is not the correspondent bank of Western Union, so there is no need to ask at all, two years I personally asked Qian Zifan, the staff at the time didn’t know what Western Union money transfer was), and the staff also explained to me objectively that they might also need to provide proof materials, or they might not need to provide them. The general idea is the system It will automatically determine (according to my source of funds, personal circumstances, etc. big data) whether it is necessary. If you need to provide, the bank will call me and go to the bank where the bank card is opened. If it is not needed, it will be automatically credited to my bank card.
It should be noted that: bank cards are distinguished between one type and two and three types of bank cards. Generally, the first card is a type I card. This kind of card has perfect functions and supports multiple currencies, because the wire transfer is in US dollars. Your bank card is also in U.S. dollars. If you want to withdraw it in China, you need to conduct "foreign exchange settlement and purchase", so when you apply for a bank card, you need to make sure whether your bank card supports multiple currencies or is in U.S. dollars. At the same time, there is a limit on the personal annual quota of the bank, which is 50,000 US dollars per year.
播主我在中国银行尝试过西联汇款，由于公对私要求提供证明，证明文件提供后工作人员依旧说没办法，后来又尝试了中国银行接收电汇，然后提交了一堆的证明文件才给我说可以结汇入款到我的银行帐户，最后终于成功收到电汇了，但是被却收取了 12 美金的手续费，询问后说的是中转银行收取的，没办法我也很无奈，所以后面果断尝试招商银行。
由于之前用的是招商信用卡，所以找了个周末去办了张银行卡，同时也咨询了银行工作人员关于电汇的收汇情况（招行并不是西联汇款的代理银行，所以完全不用问，两年前子凡我还亲自去问过，当时的工作人员直接不知道西联汇款是什么），工作人员也非常客观的给我说明有可能也需要提供证明材料，也有可能不用提供，大概的意思就是系统会自动判断（根据我的资金来源、个人情况等等大数据）是否需要，需要提供银行会给我打电话然后到银行卡的开户行办理，如果不需要就会自动入账到我的银行卡。
需要注意的是：银行卡区分一类和二三类银行卡，一般第一张卡就是 I 类卡，这种卡的功能才完善，支持多货币，因为电汇过来的是属于美金，到账我们的银行卡也是属于美金，如果想要在国内取出则需要进行“结汇购汇”，所以办理银行卡的时候需要确定一下自己的银行卡是否支持多货币或者是美金货币。同时银行方面的个人年度额度方面有限制，每年是 50000 美金。
Google AdSense 招商银行电汇信息填写教程
直接看截图其实你大概就懂了，依旧是登录 AdSense 后台，进入“付款”页面，然后在“管理付款方式”中添加“付款方式”，参考下图进行填写即可自己的姓名，银行卡帐户即可，招商银行的电汇信息都是全行统一使用总行的信息来接收，所以银行名称和 SWIFT BIC 都是一样的。
1.银行账户上的姓名：使用姓名拼音填写即可，建议为大写，然后需要姓与名之间有一个空格，例如：ZHANG SAN，或者 ZHANG SANFENG
2.银行名称：China Merchants Bank
3.SWIFT BIC：CMBCCNBS
4.帐号、重新输入帐号：这两处就是填写自己的招商银行借记卡帐号
最后记得勾选“设为主要付款方式”，然后下次 Google AdSense 付款或者重新签发付款的时候就会以这个方式打款。
另外子凡在补充一个关于招商银行的详细信息，这是子凡通过官方在线客服获取到的详细信息，如果有需要可以参考一下。
若您已经了解相应的外管规定，境内一卡通接收境外汇款，全行统一使用总行的信息来接收。
收款行信息(招商银行总行):
收款行(Beneficiary＇s Bank): China Merchants Bank, H.O. Shenzhen, China
SWIFT CODE(BIC): CMBCCNBS
收款人(一卡通或存折或对公账号)账号(Beneficiary＇s a/c no.): ************
收款人名称(Beneficiary): ***(注:境内个人以我行开户证件姓名的汉语拼音为准，境外个人以我行开户证件姓名
为准；对公客户英文名称)地址(address): 深圳市深南大道 7088 号招商银行大厦
China Merchants Bank Tower NO.7088, Shennan Boulevard, Shenzhen, China
Google付款的几个关键日 详情请看第二页!
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