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中轉費用。",[1769],{"_key":1762,"_type":820,"externalUrl":1770,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fbusiness-account",{"_key":1772,"_type":795,"children":1773,"markDefs":1802,"style":824},"k446",[1774,1778,1782,1786,1791,1795,1799],{"_key":1775,"_type":799,"marks":1776,"text":1777},"k439",[],"對於需要向亞洲多國（支援超過 30 種貨幣）支付款項（如供應商款項、員工薪資）的企業，Aspire 提供了比傳統銀行低廉且透明的外匯匯率。此外，其平台整合了",{"_key":1779,"_type":799,"marks":1780,"text":187},"k440",[1781],"k430",{"_key":1783,"_type":799,"marks":1784,"text":1785},"k441",[],"、",{"_key":1787,"_type":799,"marks":1788,"text":1790},"k442",[1789],"k433","費用管理",{"_key":1792,"_type":799,"marks":1793,"text":1794},"k443",[],"和會計軟件（如 Xero）同步功能，旨在簡化中小企業（SME）、跨境電商和 SaaS 服務商的整體財務運營，使其能更專注於亞洲區的業務增長",{"_key":1796,"_type":799,"marks":1797,"text":1798},"k444",[920],"30,31,32,33,34",{"_key":1800,"_type":799,"marks":1801,"text":1052},"k445",[],[1803,1805],{"_key":1781,"_type":820,"externalUrl":1804,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fcorporate-card",{"_key":1789,"_type":820,"externalUrl":1806,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fexpense-management",{"slug":868,"title":869},{"_type":130,"alternativeText":1809,"height":131,"url":1810,"width":133},"中港跨境收款指南：個人\u002F公司方案有何不同？比較銀行、Fintech 平台手續費與匯率","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F1e38b1a35fd25361c98598d51576150a\u002Fhk-mainland-transfer_cover.webp",[1812,1819,1827,1834,1842],{"_key":896,"_type":795,"children":1813,"level":934,"listItem":935,"markDefs":1818,"style":824},[1814],{"_key":1815,"_type":799,"marks":1816,"text":1817},"k1",[],"中港跨境收款的主要挑戰在於兩種貨幣（HKD\u002FCNH）、內地嚴格的外匯管制（個人每年 5 萬美元結匯額度）、不同的監管體系及 KYC 要求。",[],{"_key":1820,"_type":795,"children":1821,"level":934,"listItem":935,"markDefs":1826,"style":824},"k5",[1822],{"_key":1823,"_type":799,"marks":1824,"text":1825},"k4",[],"傳統銀行（SWIFT）可信度高，適合大額商業匯款，但缺點是速度慢（2-5 天）且成本高（含中轉行費用及較高匯率加價）。",[],{"_key":1828,"_type":795,"children":1829,"level":934,"listItem":935,"markDefs":1833,"style":824},"k8",[1830],{"_key":902,"_type":799,"marks":1831,"text":1832},[],"現代金融科技 (Fintech) 提供了更優選擇：專業匯款平台（如 Wise）適合中小額個人匯款，匯率透明且速度快 (T+1)；電子錢包（如 WeRemit）則適用於即時小額轉帳。",[],{"_key":1835,"_type":795,"children":1836,"level":934,"listItem":935,"markDefs":1841,"style":824},"k11",[1837],{"_key":1838,"_type":799,"marks":1839,"text":1840},"k10",[],"選擇平台需平衡三大因素：成本（匯率加價 vs 手續費）、速度（即時 vs T+5）及合規性（是否佔用 5 萬美金年度額度）。",[],{"_key":923,"_type":795,"children":1843,"level":934,"listItem":935,"markDefs":1847,"style":824},[1844],{"_key":918,"_type":799,"marks":1845,"text":1846},[],"對於業務遍及亞洲的企業，Aspire 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平台，市場上已湧現出更多元化的解決方案。本文將深入探討中港跨境收款的各種途徑，從成本、速度到合規性進行全面比較，助您找到最適合您需求的最佳方案。",[],"2026-07-01T00:00:00.000Z",{"_type":125,"metaDescription":1857,"metaTitle":1809,"socialShareImageUrl":1858},"尋找最佳的中港跨境收款方案？本文深入分析傳統銀行、電子錢包與專業平台的優劣、手續費及匯率，助您選擇最低成本、最快的收款方式。",{"_type":130,"alternativeText":1809,"height":131,"url":1810,"width":133},"hk-mainland-transfer",[1861,1867,1873,1879,1885,1891,1899,1906,1912,1919,1927,1934,1940,1947,1954,1961,1967,1974,1980,1987,1995,2002,2008,2015,2023,2030,2036,2043,2050,2057,2065,2071,2077,2084],{"_key":896,"_type":795,"children":1862,"level":934,"listItem":935,"markDefs":1866,"style":824},[1863],{"_key":1815,"_type":799,"marks":1864,"text":1865},[],"Hong Kong Monetary Authority (HKMA) (n.d.). Faster Payment System (FPS). Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Ffaster-payment-system\u002F",[],{"_key":1820,"_type":795,"children":1868,"level":934,"listItem":935,"markDefs":1872,"style":824},[1869],{"_key":1823,"_type":799,"marks":1870,"text":1871},[],"HKSAR Government Press Release (2018). Faster Payment System launched. Retrieved from https:\u002F\u002Fwww.info.gov.hk\u002Fgia\u002Fgeneral\u002F201809\u002F17\u002FP2018091700335.htm",[],{"_key":1828,"_type":795,"children":1874,"level":934,"listItem":935,"markDefs":1878,"style":824},[1875],{"_key":902,"_type":799,"marks":1876,"text":1877},[],"State Administration of Foreign Exchange (SAFE) (n.d.). Individual annual foreign exchange purchase quota (USD 50,000). Retrieved from http:\u002F\u002Fwww.safe.gov.cn\u002Fen\u002F2016\u002F0106\u002F8574.html",[],{"_key":1835,"_type":795,"children":1880,"level":934,"listItem":935,"markDefs":1884,"style":824},[1881],{"_key":1838,"_type":799,"marks":1882,"text":1883},[],"HKMA (n.d.). Renminbi (RMB) banking and investment services — Personal. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fkey-functions\u002Finternational-financial-centre\u002Frmb-business\u002Frmb-banking-and-investment-services\u002Fpersonal-customers\u002F",[],{"_key":923,"_type":795,"children":1886,"level":934,"listItem":935,"markDefs":1890,"style":824},[1887],{"_key":918,"_type":799,"marks":1888,"text":1889},[],"Bank for International Settlements (2021). CNH–CNY: shares of turnover, interest rate differentials and arbitrage. Retrieved from https:\u002F\u002Fwww.bis.org\u002Fpubl\u002Fqtrpdf\u002Fr_qt2109b.htm",[],{"_key":1892,"_type":795,"children":1893,"level":934,"listItem":935,"markDefs":1898,"style":824},"k17",[1894],{"_key":1895,"_type":799,"marks":1896,"text":1897},"k16",[],"HKMA Insight (2014). Increasing use of the renminbi outside Mainland China. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fnews-and-media\u002Finsight\u002F2014\u002F09\u002F20140925\u002F",[],{"_key":1900,"_type":795,"children":1901,"level":934,"listItem":935,"markDefs":1905,"style":824},"k20",[1902],{"_key":928,"_type":799,"marks":1903,"text":1904},[],"HKMA (2025). Payment Connect. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Fpayment-connect\u002F",[],{"_key":938,"_type":795,"children":1907,"level":934,"listItem":935,"markDefs":1911,"style":824},[1908],{"_key":941,"_type":799,"marks":1909,"text":1910},[],"HKMA Press Release (2024, May 17). Expanding the cross-boundary e-CNY pilot in Hong Kong. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fnews-and-media\u002Fpress-releases\u002F2024\u002F05\u002F20240517-3\u002F",[],{"_key":949,"_type":795,"children":1913,"level":934,"listItem":935,"markDefs":1918,"style":824},[1914],{"_key":1915,"_type":799,"marks":1916,"text":1917},"k25",[],"HKMA Smart Consumers (2024). e-CNY — How to top up via FPS. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Fe-cny\u002F",[],{"_key":1920,"_type":795,"children":1921,"level":934,"listItem":935,"markDefs":1926,"style":824},"k29",[1922],{"_key":1923,"_type":799,"marks":1924,"text":1925},"k28",[],"Hong Kong Interbank Clearing Limited (HKICL) (n.d.). Topping up the e-CNY wallet via the FPS. Retrieved from https:\u002F\u002Fwww.hkicl.com.hk\u002Feng\u002Ffps\u002Fconsumers\u002Ffps_e-cny.php",[],{"_key":957,"_type":795,"children":1928,"level":934,"listItem":935,"markDefs":1933,"style":824},[1929],{"_key":1930,"_type":799,"marks":1931,"text":1932},"k31",[],"HKMA Quarterly Bulletin (2024). The Faster Payment System: A five-year journey of innovation. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Fmedia\u002Feng\u002Fpublication-and-research\u002Fquarterly-bulletin\u002Fqb202403\u002Ffa2.pdf",[],{"_key":954,"_type":795,"children":1935,"level":934,"listItem":935,"markDefs":1939,"style":824},[1936],{"_key":965,"_type":799,"marks":1937,"text":1938},[],"HKMA Annual Report (2024\u002F2025). International Financial Centre chapter (e-CNY via FPS). Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Fmedia\u002Feng\u002Fpublication-and-research\u002Fannual-report\u002F2024\u002F16_International_Financial_Centre.pdf",[],{"_key":1941,"_type":795,"children":1942,"level":934,"listItem":935,"markDefs":1946,"style":824},"k38",[1943],{"_key":978,"_type":799,"marks":1944,"text":1945},[],"news.gov.hk (2024, May 17). HK expands e-CNY pilot. Retrieved from https:\u002F\u002Fwww.news.gov.hk\u002Feng\u002F2024\u002F05\u002F20240517\u002F20240517_152836_245.html",[],{"_key":1948,"_type":795,"children":1949,"level":934,"listItem":935,"markDefs":1953,"style":824},"k41",[1950],{"_key":987,"_type":799,"marks":1951,"text":1952},[],"Reuters (2024, May 17). Hong Kong allows China’s digital yuan to be used in local shops. Retrieved from https:\u002F\u002Fwww.reuters.com\u002Fmarkets\u002Fcurrencies\u002Fhong-kong-allows-chinas-digital-yuan-be-used-local-shops-2024-05-17\u002F",[],{"_key":972,"_type":795,"children":1955,"level":934,"listItem":935,"markDefs":1960,"style":824},[1956],{"_key":1957,"_type":799,"marks":1958,"text":1959},"k43",[],"Trade Finance Global (n.d.). What is SWIFT? Retrieved from https:\u002F\u002Fwww.tradefinanceglobal.com\u002Ffinance-guides\u002Fswift\u002F",[],{"_key":985,"_type":795,"children":1962,"level":934,"listItem":935,"markDefs":1966,"style":824},[1963],{"_key":981,"_type":799,"marks":1964,"text":1965},[],"Fexco (n.d.). How long do international bank transfers take? Retrieved from https:\u002F\u002Fwww.fexco.com\u002Fblog\u002Finternational-payments\u002Fhow-long-do-international-bank-transfers-take\u002F",[],{"_key":1968,"_type":795,"children":1969,"level":934,"listItem":935,"markDefs":1973,"style":824},"k50",[1970],{"_key":969,"_type":799,"marks":1971,"text":1972},[],"Bank of China (Hong Kong) (n.d.). Remittance charges (incl. correspondent bank fees). Retrieved from https:\u002F\u002Fwww.bochk.com\u002Fen\u002Fwhb\u002Fwhb_charge\u002Fwhb_charge_remittance.html",[],{"_key":999,"_type":795,"children":1975,"level":934,"listItem":935,"markDefs":1979,"style":824},[1976],{"_key":1002,"_type":799,"marks":1977,"text":1978},[],"DBS Bank (Hong Kong) (n.d.). Overseas transfer fees. Retrieved from https:\u002F\u002Fwww.dbs.com.hk\u002Fpersonal\u002Fdeposits\u002Fpayments\u002Ftransfers\u002Ffees-charges.page",[],{"_key":1010,"_type":795,"children":1981,"level":934,"listItem":935,"markDefs":1986,"style":824},[1982],{"_key":1983,"_type":799,"marks":1984,"text":1985},"k55",[],"HKMA (n.d.). Register of Stored Value Facility (SVF) Licensees. Retrieved from https:\u002F\u002Fapps.hkma.gov.hk\u002FRSVF\u002Fenglish\u002Findex.html",[],{"_key":1988,"_type":795,"children":1989,"level":934,"listItem":935,"markDefs":1994,"style":824},"k59",[1990],{"_key":1991,"_type":799,"marks":1992,"text":1993},"k58",[],"Hong Kong Customs & Excise Department (n.d.). Money Service Operators (MSO) Licensee Register. Retrieved from https:\u002F\u002Feservices.customs.gov.hk\u002FMSOS\u002Fwsrh\u002F001s1",[],{"_key":1996,"_type":795,"children":1997,"level":934,"listItem":935,"markDefs":2001,"style":824},"k62",[1998],{"_key":1015,"_type":799,"marks":1999,"text":2000},[],"Panda Remit (n.d.). Licences & regulation (HK MSO Licence No. 20-01-02962). Retrieved from https:\u002F\u002Fwww.pandaremit.com\u002Fen\u002Fcompliance",[],{"_key":1023,"_type":795,"children":2003,"level":934,"listItem":935,"markDefs":2007,"style":824},[2004],{"_key":1026,"_type":799,"marks":2005,"text":2006},[],"Panda Remit Hong Kong (n.d.). About — funding options (incl. FPS). Retrieved from https:\u002F\u002Fwww.pandaremit.com\u002Fen\u002Fhkg\u002Fabout",[],{"_key":1034,"_type":795,"children":2009,"level":934,"listItem":935,"markDefs":2014,"style":824},[2010],{"_key":2011,"_type":799,"marks":2012,"text":2013},"k67",[],"AlipayHK (n.d.). Cross-border consumption payments (Mainland merchants). Retrieved from https:\u002F\u002Fwww.alipayhk.com\u002Fen\u002Fcross-border-service\u002F",[],{"_key":2016,"_type":795,"children":2017,"level":934,"listItem":935,"markDefs":2022,"style":824},"k71",[2018],{"_key":2019,"_type":799,"marks":2020,"text":2021},"k70",[],"AlipayHK (n.d.). Remittance to Mainland China. Retrieved from https:\u002F\u002Fwww.alipayhk.com\u002Fen\u002Fremittance\u002F",[],{"_key":1042,"_type":795,"children":2024,"level":934,"listItem":935,"markDefs":2029,"style":824},[2025],{"_key":2026,"_type":799,"marks":2027,"text":2028},"k73",[],"WeChat Pay HK (n.d.). Cross-border payments overview. Retrieved from https:\u002F\u002Fwww.wechatpayhk.com",[],{"_key":1039,"_type":795,"children":2031,"level":934,"listItem":935,"markDefs":2035,"style":824},[2032],{"_key":1050,"_type":799,"marks":2033,"text":2034},[],"MoneySmart Hong Kong (2025). WeChat Pay HK tutorial (incl. cross-border remittance). Retrieved from https:\u002F\u002Fblog.moneysmart.hk\u002Fen\u002Fdigital-wallets\u002Fwechat-pay-hk-tutorial-how-to-open-an-account-top-up-balance-make-p2p-transfers-and-pay-in-china\u002F",[],{"_key":1058,"_type":795,"children":2037,"level":934,"listItem":935,"markDefs":2042,"style":824},[2038],{"_key":2039,"_type":799,"marks":2040,"text":2041},"k79",[],"Investopedia (n.d.). Mid-market rate definition. Retrieved from https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Fm\u002Fmid-market-rate.asp",[],{"_key":1072,"_type":795,"children":2044,"level":934,"listItem":935,"markDefs":2049,"style":824},[2045],{"_key":2046,"_type":799,"marks":2047,"text":2048},"k82",[],"Hong Kong e-Legislation (n.d.). Cap. 615 — Anti-Money Laundering and Counter-Terrorist Financing Ordinance. Retrieved from https:\u002F\u002Fwww.elegislation.gov.hk\u002Fhk\u002Fcap615",[],{"_key":1081,"_type":795,"children":2051,"level":934,"listItem":935,"markDefs":2056,"style":824},[2052],{"_key":2053,"_type":799,"marks":2054,"text":2055},"k85",[],"HKMA (n.d.). Guideline on Anti-Money Laundering and Counter-Financing of Terrorism (for SVF licensees). 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