Account in yen. Money transfers in foreign currency. Low Commission and Favorable Currency Exchange rate

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Just a few years ago, the demand for foreign currency was so large among customers, that some Russian citizens even had a mortgage in Swiss francs or Japanese yen. But the crisis showed that long-term deposits in foreign currency should do risky and there is no possibility to predict her attitude towards the ruble in the future.

But deals on rare for the country currency in banks have been entrenched today, in addition to dollars and euros, deposits in Japanese yen, pounds of sterling, Chinese yuan or Swiss francs are popular. At the same time, depositors are not bothering that the bets on deposits in the currency of foreign countries are one and a half - two times lower than on the same contributions, but in rubles. Because deposits of this type are completely protected from internal inflation.

Who benefits to keep deposits in Japanese yen?

Despite the fact that the deposit in the yen is not so profitable as a contribution to euros, dollars or even rubles - in some cases, it is beneficial in Japanese currency. For example, if the Bank's client works in Japan or often visits the country for other reasons.

Moreover, the state insurance system fully protects deposits of investors of Russian banks that keep money in Japanese yen. If suddenly the bank responds to a license, the client will receive not only all the means on its deposit, but also the percentage of all the time storing money in the bank. The only thing that, insurance will be paid in rubles, but at the rate of the central bank at the date of the license revocation. In addition, it is important to know that the payment cannot be higher than 1.4 million rubles.

Before contacting the bank and place a deposit in Japanese currency there, be sure to specify all storage conditions. The fact is that the Commission for Cash Conversion or during non-cash payments can significantly exceed all interest accumulated on the term and level all benefit from the contribution.

From the point of view of competitiveness in the international market, the yen "is doomed" to further increase the course. In other industrialized countries, it has long been discussed the opportunity to conclude agreements with Japan, which would somewhat limit the export Japanese industry. It is not difficult to assume that such self-restraint could be achieved at the expense of the phased revaluation of the Japanese currency. Germany on their own experience was convinced of the positive nature of such a policy: the competitiveness of the brand was hardly worsened, but the German currency became more stable. Currency revaluation holds back price increases in the country because imports becomes cheaper.

On the other hand, the Japanese economy is waiting for difficult times due to the healing of debts, first of all government debts. This circumstance in the world did not pay such attention as the US debt resultingly later.

Damaged the yen and failure of large speculation on stock exchanges and real estate markets in the early 90s.

Despite this, since August 1992, began to gradually rise from the level of 1.10 German brand, reaching the summer of 1993 of the intermediate value of the course equal to 1.68 brand (for 100 yen).

Of principled importance is the one that the Japanese is more closely related to the dollar economic space than with the European currency system. Therefore, the oscillations of the yen in principle, only with a greater amplitude, repeat the dollar regarding the currency of the ESU, especially the German brand. The instability of the yen and the associated opportunities for acquisitions and losses on the course fluctuations is much higher than that of the Swiss franc, more oriented to the European market.

It is useless to open an account in the German branch of the Japanese bank broker, unless, of course, you are not going to invest in Japanese. However, the account in the yen can open in almost any Swiss bank and acquire Japanese stocks and bonds with it. You will receive the most specific advice in the departments of Japanese banks.

Australian and New Zealand dollars

During a number of years, the loans in these currencies brought record interest income. Later, their yield came to no devaluation. Without a doubt, Australia as a raw material, located in politically calm expects a brilliant future. The decrease in courses of both currencies in relation to the German brand was previously interrupted continued during the debts months of their relative growth.

4. Choosing a country to accommodate your foreign deposit Do not close one currency in one

Recall the arguments in Section 1.1, in accordance with which one should not keep large sums on bank accounts in the currency of the country where the bank is located. Use a foreign bank primarily as a service sector enterprise for other types of investment of your funds. At the same time, it is not necessary to translate them into the currency of the country where you discovered the account. For five countries neighboring Germany, which we consider in this book, it is typical that they also distribute their deposits in various currencies in various countries. This is especially characteristic of Luxembourg and Switzerland as a result of their international orientation. In Holland and Austria, you can get a decent income and without changing currency. In Austria, deposits in German stamps are preferred, and Dutch are primarily oriented to North America and the United Kingdom. In Luxembourg, mostly, but also in Switzerland, many foreign clients do not open accounts in the currency of these countries.

Accounts in the departments of the same bank in different countries

If you have a very large amount, it has to distribute it between the departments of the same bank in Luxembourg, Switzerland, and possibly in Germany. In this case, you can use the specific advantages of investments in all these countries thanks to formally easy movements of the share of your capital from one country to another.

The lack of investing all means in the same bank, albeit in countries, is the less versatile character - consultations than if you assign your money to banks with various investment philosophy.

5. Open accounts in banks of those countries that you will easily visit: personal contacts abroad more important than His country

As soon as it was shown, when choosing a country, in the bank of which you are going to open an account, you should not give preference to a specific currency. Your choice of foreign bank and, accordingly, the country where it is, should depend first of all on whether you can personally visit this bank (and your consultant). For the success of investment advice it is necessary.

It may be a country where you spend or at least can often be. Swiss bankers adapted to the flow of vacationers from Germany in the summer months and skiers in the winter. According to the observations of currency speculators, in the periods of influxing tourists, German in Zurich drops slightly in price, as large amounts of banknotes are exchanged: cash, as a rule, do not leave traces.

If you travel a lot on business affairs, naturally, it is better to open an account in the country where you are most often. Then the visit will not always come to the one when the capital market is not too revived, since most of its participants in the holidays. In the middle of stock exchanges, usually, often leads to unexpected changes in the course: Suddenly, demand does not find any suggestion. Borot, bad news forced those who stayed at home, throw out the stock market, but there is no one, who would be interested in them, and this can lead to an excessive decline in the course.

Finally, you can open accounts in several countries using, in order, the special advantages covered in this book and differences in the structure of fees. So, in Austria, you can open a cumulative account and, going out in the summer, to make money on it. On the way back, you can drive through Switzerland and dispose of there speculative stored in the deposit there. Additionally, you can open a small deposit greeting in Luxembourg, putting short-term securities with a solid percentage there. It is these contributions are preferred in percent growth periods when the course of medium-and long-term securities with a solid percentage falls not suitable and for investing money in the promotion time you can also wait to putting funds in the most profitable currency. At the same time, in Luxembourg you will not have to pay intermediary commissions, like! It would be in the Swiss bank.

However, you should not too much to spray your capital. Possible consequences of this are highlighted in the next section.

Exit from the situation is the conclusion of contracts with branches of the same bank, perhaps with foreign branches of the German bank. If the German or savings office with which you worked, are presented in Switzerland by a communal bank, you will need only to handle the table, do they have subsidiaries and in Luxembourg. This is the easiest way to make your money work where it is most profitable from the point! The viewing of the conjuncture and interest rates.

If it is important for you that the conduct of your accounts is carried out by the Swiss Bank, find out first which Swiss banks are represented in Germany with their branches and are they in Luxembourg.

Whatever convincing it seemed to open accounts in the same bank, but in different countries, in order to quickly redistribute its funds, in practice it may not be so! OK. In reality, the ladies and the Lord, with whom you communicate in every branch, are much more baked about interests! of his branch than the bank in. Although such a "local" approach is not expressed in words, in fact he is clearly visible. The client is assessed at the amount that is in his account or in the deposit. Do you have funds in other branches or not, your consultant is deeply indifferent. Money is simplified! Only in some cases is the easiest way to send from one bank to another.

Therefore, funds intended for investing abroad, many depositors prefer to concentrate in one bank to avoid spraying money, or consciously confidence in foreign banks, diversifying investments. To do this, in the departments of banks in Switzerland and Luxembourg there are all conditions.

Covering the shortest advantages of banks of neighboring countries of the depositor and speculators, we would not like to influence your decision. The determining factor for this choice is still the possibility of regular personal contacts.

5. Search for the "cheapest" bank - the occupation is meaningless

Das Wertpapier ("Securities") published a comparative cost of acquiring and depositing securities in banks of five countries; For the calculation, two examples of deposits in the amount of 100 thousand and 300 thousand stamps were used. The results differ very strongly. Minimum charges - at the Danish Bank of Jyske and the Belgian Credit GENERAL. Maximum - in one Dutch bank. The lowest fees for - at Schweize-Rische Gesellschaft (Swiss Bank). The acquisition of securities in three Austrian banks (except for Oberbank) will cost very expensive. The cost of banking services cannot be aspected depending on which country is the credit. The structures of individual banks are distinguished even more. And the bank, very profitable for depositors, which often replenish their deposit accounts, may be "expensive" for those who keep their securities for those years. You need to show yourself with a meticulous mathematician and take into account all the factors for choosing the most advantageous bank. K belongs not only by road expenses, but also to investment consultations that best about once meet your requests. On the other hand, these friction depend on the amount you are going to invest, as well as the features of your investor psychology.

Money transfers in foreign currency (US dollars, Australian dollars, New Zealand dollars, Canadian dollars, euros, yen, vonah, bahms, yuan, Vietnamese Dongs New!, Pounds sterling, Swiss francs, Hong Kong dollars) - this is:

• Low Commission and Favorable Currency Exchange rate!

  Translation from bank
  add to Mufg Bank Ltd and Sumitomo Mitsui Banking Corporation:

  Transfer amount	Commission
  up to 400 000 jpy	3 000 JPY.
  from 400 001 to 700 000 JPY	3 500 JPY.
  from 700 001 to 1 500 000 JPY	4 000 JPY.
  from 1 500 001 to 2 500 000 JPY	4 500 JPY.
  from 2 500 001 to 3 500 000 JPY	5 000 JPY.
  from 3 500 001 to 4 500 000 JPY	5 500 JPY.
  from 4 500 001 to 5 500 000 JPY	6 000 JPY.
  from 5,500 001 to 7 000 000 jpy	6 300 JPY
  over 7 000 001 JPY	3 000 JPY * + 0.05% of the transfer amount
  to other banks:
  up to 200 000 jpy	3 600 JPY.
  from 200 001 to 500 000 JPY	3 800 JPY.
  from 500 001 to 1 000 000 JPY	5 500 JPY.
  from 1 000 001 to 2 500 000 JPY	6 200 JPY
  from 2,500 001 to 7 000 000 JPY	6 300 JPY
  over 7 000 001 JPY	0.09% of the transfer amount, but not more than 13,500 JPY

  To calculate the profitability of translation in the Korean vona, it is necessary to know the amount of accounts exhibited from the Korean counterparty in two currencies - in dollars and in the von, then these two amounts to multiply by the Sales Course of the Bank "Primorye", respectively, US dollars and ving for rubles of the Russian Federation. The amount received is compared.

  Convenient payment of Korean goods and services

  If you plan to go to South Korea or pay for Korean goods or services, then we recommend that you take care of the method of calculations in advance.

  Our experts will gladly help you calculate the most profitable method for you to calculate the Korean seller.

  * Payment is made in foreign currency or in rubles at the rate of the Central Bank of the Russian Federation, established on the day of the operation.

  Translation from bank

  Transfer amount	Commission
  up to 11 500 HKD	75 HKD *
  from 11 500.01 to 53 000 HKD	115 HKD *
  from 53 000.01 to 68 000 HKD	150 HKD *
  from 68 000.01 to 83 000 HKD	190 HKD *
  from 83 000.01 to 151,000	230 HKD *
  from 151 000.01 HKD	265 HKD *

  * Payment is made in foreign currency or in rubles at the rate of the Central Bank of the Russian Federation, established on the day of the operation.

  Translation from bank
  From account and without opening an account

  Transfer amount	Commission
  from 0 to 71 200 THB	450 THB
  from 71 201 to 106 800 THB	520 THB
  from 106 801 to 142 400 THB	620 THB
  from 142 401 to 178 000 THB	700 THB
  from 178 801 THB	750 THB

  Convenient payment of Thai goods and services

  If you plan to go to Thailand or pay for Thai products or services, we recommend that you take care of the method of calculations in advance.

  Our experts will gladly help you calculate the most profitable method for you to calculate the seller in Thailand in the national currency of this country - take with you Cash Thai Bati or cashless transfer to Batha.

  Translation from bank

  Transfer amount	Commission
  from 0 to 34 500 000 VND	120 000 VND.
  from 34 500 001 to 161,000,000 VND	120 000 VND.
  from 161,000 001 to 207 000 000 VND	200 000 VND.
  from 207 000 001 to 253,000,000 VND	250 000 VND.
  from 253,000 001 to 506 000 000 VND	300 000 VND.
  from 506 000 001 to 1 150 000 000 VND	460 000 VND.
  from 1 150 000 001 to 2,300 000 000 VND	800 000 VND.
  from 2,300 000 001 VND	1 100 000 VND

  Payment of the Commission is made in the currency of the account or in rubles at the rate of the Central Bank of the Russian Federation, established on the day of funding by the Client.

  The operation is considered to be carried out on the day of making funds for translation.

  Australian dollars (a $)

  Canadian dollars (C $)

  New Zealand dollars (NZ $)

  Pounds sterling (£)

  Swiss francs (₣)

  * Payment is made in foreign currency or in rubles at the rate of the Central Bank of the Russian Federation, established on the day of the operation.