[{"data":1,"prerenderedAt":2687},["ShallowReactive",2],{"cms-ui-strings":3,"cms-site-settings":108,"cms-navigation":162,"cms-blog-post-template":772,"cms-blog-post-latest":833,"cms-blog-post:what-is-rtgs":875},{"_createdAt":4,"_id":5,"_rev":6,"_type":7,"_updatedAt":8,"allProvidersLabel":9,"announcementDismissLabel":10,"backToBlogLabel":11,"backToCaseStudiesLabel":12,"backToDownloadsLabel":13,"blogFaqLabel":14,"blogSearchPlaceholder":15,"blogSourcesLabel":16,"blogSummaryLabel":17,"brandHomeLabel":18,"breadcrumbNavigationLabel":19,"caseStudiesLabel":20,"caseStudyApproachLabel":21,"caseStudyBeforeAndAfterSectionLabel":22,"caseStudyChallengeLabel":23,"caseStudyClientLabel":24,"caseStudyCompanyInfoSectionLabel":25,"caseStudyCompanySizeLabel":26,"caseStudyCountryLabel":27,"caseStudyFocusLabel":28,"caseStudyFoundedLabel":29,"caseStudyFounderLabel":30,"caseStudyIndustryLabel":31,"caseStudySavePerYearSectionLabel":32,"caseStudySearchPlaceholder":15,"caseStudyWebsiteLabel":33,"chartDataTableHideLabel":34,"chartDataTableShowLabel":35,"comingSoonLabel":36,"copyLinkLabel":37,"dataProtectionLabel":38,"downloadButtonLabel":39,"downloadSearchPlaceholder":15,"downloadsLabel":40,"emailPlaceholder":41,"formErrorMessage":42,"formInvalidEmailMessage":43,"formInvalidPhoneMessage":44,"formInvalidUrlMessage":45,"formRequiredFieldMessage":46,"formSubmitLabel":47,"formSuccessMessage":48,"goToSlideLabel":49,"includedLabel":50,"language":51,"languageHeading":52,"latestArticlesLabel":53,"launchpadBusinessLocationLabel":54,"launchpadCompanySizeLabel":26,"launchpadFoundedLabel":55,"launchpadHeadquarterLabel":56,"launchpadIndustryLabel":31,"learnMoreLabel":57,"legalEffectiveFromLabel":58,"legalLastUpdatedLabel":59,"loadMoreLabel":60,"mainNavigationLabel":61,"market":62,"marketNames":63,"mostPopularLabel":79,"nextSlideLabel":80,"notIncludedLabel":81,"optionsLabel":82,"previousSlideLabel":83,"pricingFirstPlanFeaturesLabel":84,"pricingUpgradePlanFeaturesLabel":85,"ratingLabel":86,"readCaseStudyLabel":87,"readingTimeLabel":88,"recommendedLabel":89,"regionHeading":90,"regionSelectorLabel":91,"savedPerYearLabel":92,"shareOnFacebookLabel":93,"shareOnLinkedinLabel":94,"shareOnXLabel":95,"sharePostLabel":96,"supportedByLabel":97,"tableOfContentsLabel":98,"titleBrandSuffix":99,"toggleMenuLabel":100,"videoMuteLabel":101,"videoPauseLabel":102,"videoPlayLabel":103,"videoSeekLabel":104,"videoSoundPrompt":105,"videoUnmuteLabel":106,"viewAllCategoriesLabel":107,"viewAllProductsLabel":107},"2026-08-19T09:49:11Z","uiStrings-HK-zh-HK","0YKpiHcLUDtAprmSVETGRo","uiStrings","2026-10-07T09:18:02Z","All","Dismiss announcement","Back to Blog","返回案例分析","返回下載頁面","Frequently Asked Questions","Search","Sources","Summary","Aspire home","導覽路徑","Customer Stories","在使用Aspire後","使用Aspire前後","在使用Aspire前","公司","公司資料","公司規模","國家","案例研究","創立於","創辦人","行業","每年節省","網頁","隱藏數據表","顯示數據表","Coming soon","Copy link","Data protection:","立即下載","Downloads","輸入你的公司電郵","出了點問題，請再試一次。","Email must be formatted correctly.","Please enter a valid phone number.","Please enter a valid website address.","Please complete this required field.","立即免費開戶","Thank you! Your submission has been received!","Go to slide {index}","Included","zh-HK","Language","最新文章","營業地點","成立於","總部","了解更多","Effective from","Last updated","Load more","Main navigation","HK",[64,68,71,74,76],{"_key":65,"_type":66,"label":67,"market":65},"SG","marketName","新加坡",{"_key":69,"_type":66,"label":70,"market":69},"US","美國",{"_key":72,"_type":66,"label":73,"market":72},"AU","澳洲",{"_key":62,"_type":66,"label":75,"market":62},"香港",{"_key":77,"_type":66,"label":78,"market":77},"NL","荷蘭","Most popular","Next","Not included","Options","Previous","計劃內容","包含 {planName} 計劃所有功能，另享：","{rating} out of {max} stars","查閱案例研究","{minutes} min read","Recommended","Region","Change country\u002Fregion","每年可節省","Share on Facebook","Share on LinkedIn","Share on X","分享此帖文","Supported by","目錄","Aspire Hong Kong","Toggle menu","靜音","暫停","播放","播放進度","按此開啟聲音","取消靜音","View all",{"_createdAt":109,"_id":110,"_rev":111,"_type":112,"_updatedAt":113,"announcementBar":114,"baseUrl":123,"defaultSeo":124,"defaultSocialShareImageUrl":129,"footer":134,"footerLegalParagraphsRich":156,"language":51,"market":62,"mobileApp":157,"siteName":160,"studioVersion":161},"2026-08-19T09:49:08Z","siteSettings-HK-zh-HK","1za1AgGXrJWIU5rVtuzGqU","siteSettings","2026-09-30T04:44:27Z",{"enabled":115,"link":116,"text":122},true,{"_type":117,"internal":118,"label":57,"linkType":121},"link",{"_ref":119,"_type":120},"page-HK-aspire-for-startups-zh-HK","reference","internal","🚀 Aspire 初創方案: 尊享高達 HK$12,000 現金回贈，優先開戶，並加入創辦人專屬社群。","https:\u002F\u002Faspireapp.com",{"_type":125,"metaDescription":126,"metaTitle":127,"noIndex":128},"seo","專為企業打造的智能金融平台！全面支援本地轉帳網絡與全球匯款低至 0.18% 匯率優勢。整合公司戶口、批量匯款與公司 Visa 卡開支管理等功能，無縫串接主流會計軟體，讓企業營運效率翻倍！","Aspire：一站式企業金融平台｜全球匯款低至 0.18%",false,{"_type":130,"alternativeText":127,"height":131,"url":132,"width":133},"imageUrl",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F85140fd22c0db3172ae945de0be80088\u002F6a10208767972cc962cd715f_Website-Preview.webp",1200,{"copyright":135,"legalParagraphs":136,"socialLinks":139},"© 2025 AFT HK Ltd. 版權所有。",[137,138],"AFT HK Limited註冊於香港（75317450-000），並由香港海關和稅務部門頒發金錢服務經營者牌照。","收益帳戶由 AFT HK Treasury Limited（「AFT Treasury」）於香港提供。AFT Treasury 已獲 Securities and Futures Commission（證監會）發牌（中央編號：BWA638），可從事第 1 類（證券交易）、第 4 類（就證券提供意見）及第 9 類（資產管理）受規管活動。目前，AFT Treasury 僅向客戶提供第 1 類及第 4 類服務，並計劃於未來提供第 9 類服務。",[140,146,151],{"_key":141,"_type":142,"label":143,"platform":144,"url":145},"social-linkedin","socialLink","Aspire on Linkedin","linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Faspireapp-global\u002F",{"_key":147,"_type":142,"label":148,"platform":149,"url":150},"social-instagram","Aspire on Instagram","instagram","https:\u002F\u002Fwww.instagram.com\u002Faspireapp.global\u002F",{"_key":152,"_type":142,"label":153,"platform":154,"url":155},"social-x","Aspire on X","x","https:\u002F\u002Fx.com\u002Faspireappglobal",null,{"rating":158},{"value":159},4.5,"Aspire","2026.10.8",{"_createdAt":163,"_id":164,"_rev":165,"_type":166,"_updatedAt":167,"footerGroups":168,"getStartedLink":448,"header":450,"language":51,"loginLink":465,"market":62,"megaMenu":468},"2026-08-19T09:49:10Z","navigation-HK-zh-HK","N1G5rtOZj8187JlhVSibFh","navigation","2026-10-07T09:24:24Z",[169,203,256,303,393,422],{"_key":170,"_type":171,"links":172,"title":202},"footer-x","footerGroup",[173,181,188,195],{"_key":174,"_type":117,"internal":175,"internalTarget":177,"label":180,"linkType":121},"f-x-0",{"_ref":176,"_type":120},"page-HK-business-account-zh-HK",{"_type":178,"slug":179},"page","business-account","商業賬戶",{"_key":182,"_type":117,"internal":183,"internalTarget":185,"label":187,"linkType":121},"f-x-1",{"_ref":184,"_type":120},"page-HK-corporate-card-zh-HK",{"_type":178,"slug":186},"corporate-card","公司卡",{"_key":189,"_type":117,"internal":190,"internalTarget":192,"label":194,"linkType":121},"f-x-2",{"_ref":191,"_type":120},"page-HK-global-payments-zh-HK",{"_type":178,"slug":193},"global-payments","環球付款和外匯",{"_key":196,"_type":117,"internal":197,"internalTarget":199,"label":201,"linkType":121},"f-x-3",{"_ref":198,"_type":120},"page-HK-expense-management-zh-HK",{"_type":178,"slug":200},"expense-management","開支管理","產品",{"_key":170,"_type":171,"links":204,"title":255},[205,211,217,223,229,236,243,250],{"_key":174,"_type":117,"internal":206,"internalTarget":208,"label":210,"linkType":121},{"_ref":207,"_type":120},"page-HK-bulk-payments-zh-HK",{"_type":178,"slug":209},"bulk-payments","批量付款",{"_key":182,"_type":117,"internal":212,"internalTarget":214,"label":216,"linkType":121},{"_ref":213,"_type":120},"page-HK-budgets-zh-HK",{"_type":178,"slug":215},"budgets","預算管理",{"_key":189,"_type":117,"internal":218,"internalTarget":220,"label":222,"linkType":121},{"_ref":219,"_type":120},"page-HK-employee-claims-zh-HK",{"_type":178,"slug":221},"employee-claims","員工報銷",{"_key":196,"_type":117,"internal":224,"internalTarget":226,"label":228,"linkType":121},{"_ref":225,"_type":120},"page-HK-multi-user-access-zh-HK",{"_type":178,"slug":227},"multi-user-access","團隊權限設定",{"_key":230,"_type":117,"internal":231,"internalTarget":233,"label":235,"linkType":121},"f-invoice-4",{"_ref":232,"_type":120},"page-HK-invoice-management-zh-HK",{"_type":178,"slug":234},"invoice-management","發票管理 (Invoice)",{"_key":237,"_type":117,"internal":238,"internalTarget":240,"label":242,"linkType":121},"f-ar-5",{"_ref":239,"_type":120},"page-HK-receivable-management-zh-HK",{"_type":178,"slug":241},"receivable-management","應收賬款管理 (AR)",{"_key":244,"_type":117,"internal":245,"internalTarget":247,"label":249,"linkType":121},"f-ap-6",{"_ref":246,"_type":120},"page-HK-payable-management-zh-HK",{"_type":178,"slug":248},"payable-management","應付帳款管理 (AP)",{"_key":251,"_type":117,"internal":252,"internalTarget":253,"label":254,"linkType":121},"f-x-7",{"_ref":176,"_type":120},{"_type":178,"slug":179},"匯款至內地","產品特色",{"_key":257,"_type":171,"links":258,"title":302},"footer-invoice-ar-ap",[259,267,274,281,288,295],{"_key":260,"_type":117,"internal":261,"internalTarget":263,"label":266,"linkType":121},"f-aspire-vs-airwallex-0",{"_ref":262,"_type":120},"comparison-HK-aspire-vs-airwallex-zh-HK",{"_type":264,"slug":265},"comparison","aspire-vs-airwallex","Aspire vs Airwallex",{"_key":268,"_type":117,"internal":269,"internalTarget":271,"label":273,"linkType":121},"f-aspire-vs-1",{"_ref":270,"_type":120},"comparison-HK-aspire-vs-traditional-banks-zh-HK",{"_type":264,"slug":272},"aspire-vs-traditional-banks","Aspire vs 傳統銀行",{"_key":275,"_type":117,"internal":276,"internalTarget":278,"label":280,"linkType":121},"f-aspire-vs-2",{"_ref":277,"_type":120},"comparison-HK-aspire-vs-hang-seng-zh-HK",{"_type":264,"slug":279},"aspire-vs-hang-seng","Aspire vs 恒生銀行",{"_key":282,"_type":117,"internal":283,"internalTarget":285,"label":287,"linkType":121},"f-aspire-vs-3",{"_ref":284,"_type":120},"comparison-HK-aspire-vs-hsbc-zh-HK",{"_type":264,"slug":286},"aspire-vs-hsbc","Aspire vs 匯豐銀行",{"_key":289,"_type":117,"internal":290,"internalTarget":292,"label":294,"linkType":121},"f-aspire-vs-statrys-4",{"_ref":291,"_type":120},"comparison-HK-aspire-vs-statrys-zh-HK",{"_type":264,"slug":293},"aspire-vs-statrys","Aspire vs Statrys",{"_key":296,"_type":117,"internal":297,"internalTarget":299,"label":301,"linkType":121},"f-aspire-vs-wise-5",{"_ref":298,"_type":120},"comparison-HK-aspire-vs-wise-zh-HK",{"_type":264,"slug":300},"aspire-vs-wise","Aspire vs Wise","方案對比",{"_key":304,"_type":171,"links":305,"title":392},"footer-aspire-vs-airwallexaspire-vs",[306,312,319,325,331,336,343,350,357,364,371,378,385],{"_key":174,"_type":117,"internal":307,"internalTarget":309,"label":311,"linkType":121},{"_ref":308,"_type":120},"page-HK-blog-zh-HK",{"_type":178,"slug":310},"blog","部落格",{"_key":313,"_type":117,"internal":314,"internalTarget":316,"label":318,"linkType":121},"f-aspire-launchpad-1",{"_ref":315,"_type":120},"page-HK-launchpad-zh-HK",{"_type":178,"slug":317},"launchpad","Aspire Launchpad",{"_key":320,"_type":117,"internal":321,"internalTarget":322,"label":324,"linkType":121},"f-aspire-for-startups-2",{"_ref":119,"_type":120},{"_type":178,"slug":323},"aspire-for-startups","Aspire for Startups",{"_key":196,"_type":117,"internal":326,"internalTarget":328,"label":330,"linkType":121},{"_ref":327,"_type":120},"page-HK-case-studies-zh-HK",{"_type":178,"slug":329},"case-studies","客戶故事",{"_key":332,"_type":117,"externalUrl":333,"internalTarget":156,"label":334,"linkType":335},"f-x-4","https:\u002F\u002Fhelp.aspireapp.com\u002Fhk\u002Fzh-TW\u002F","常見問題","external",{"_key":337,"_type":117,"internal":338,"internalTarget":340,"label":342,"linkType":121},"f-amazon-5",{"_ref":339,"_type":120},"page-HK-calculator-amazon-seller-fees-calculator-zh-HK",{"_type":178,"slug":341},"calculator\u002Famazon-seller-fees-calculator","Amazon 費用計算機",{"_key":344,"_type":117,"internal":345,"internalTarget":347,"label":349,"linkType":121},"f-mpf-6",{"_ref":346,"_type":120},"page-HK-mpf-calculator-zh-HK",{"_type":178,"slug":348},"mpf-calculator","MPF 計算機",{"_key":351,"_type":117,"internal":352,"internalTarget":354,"label":356,"linkType":121},"f-2025-26-7",{"_ref":353,"_type":120},"page-HK-calculators-corporate-tax-calculator-zh-HK",{"_type":178,"slug":355},"calculators\u002Fcorporate-tax-calculator","利得稅計算機 2025\u002F26",{"_key":358,"_type":117,"internal":359,"internalTarget":361,"label":363,"linkType":121},"f-x-8",{"_ref":360,"_type":120},"page-HK-calculators-apr-conversion-calculator-zh-HK",{"_type":178,"slug":362},"calculators\u002Fapr-conversion-calculator","月平息換算實際年利率計算機",{"_key":365,"_type":117,"internal":366,"internalTarget":368,"label":370,"linkType":121},"f-x-9",{"_ref":367,"_type":120},"page-HK-calculators-loan-calculator-zh-HK",{"_type":178,"slug":369},"calculators\u002Floan-calculator","個人\u002F商業貸款還款計算機",{"_key":372,"_type":117,"internal":373,"internalTarget":375,"label":377,"linkType":121},"f-burn-rate-10",{"_ref":374,"_type":120},"page-HK-calculators-burn-rate-calculator-zh-HK",{"_type":178,"slug":376},"calculators\u002Fburn-rate-calculator","初創燒錢率 (Burn Rate) 計算機",{"_key":379,"_type":117,"internal":380,"internalTarget":382,"label":384,"linkType":121},"f-x-11",{"_ref":381,"_type":120},"page-HK-calculators-cheque-writing-tool-zh-HK",{"_type":178,"slug":383},"calculators\u002Fcheque-writing-tool","支票金額大寫轉換器",{"_key":386,"_type":117,"internal":387,"internalTarget":389,"label":391,"linkType":121},"f-profit-margin-12",{"_ref":388,"_type":120},"page-HK-calculators-profit-margin-calculator-zh-HK",{"_type":178,"slug":390},"calculators\u002Fprofit-margin-calculator","毛利率 (Profit Margin) 計算機","資源",{"_key":394,"_type":171,"links":395,"title":24},"footer-aspire-launchpadaspire-for-s",[396,403,409,416],{"_key":397,"_type":117,"internal":398,"internalTarget":400,"label":402,"linkType":121},"f-aspire-0",{"_ref":399,"_type":120},"page-HK-about-us-zh-HK",{"_type":178,"slug":401},"about-us","關於 Aspire",{"_key":182,"_type":117,"internal":404,"internalTarget":406,"label":408,"linkType":121},{"_ref":405,"_type":120},"page-HK-contact-us-zh-HK",{"_type":178,"slug":407},"contact-us","聯絡資料",{"_key":410,"_type":117,"internal":411,"internalTarget":413,"label":415,"linkType":121},"f-aspire-3",{"_ref":412,"_type":120},"page-HK-partners-zh-HK",{"_type":178,"slug":414},"partners","成為 Aspire 的夥伴",{"_key":332,"_type":117,"internal":417,"internalTarget":419,"label":421,"linkType":121},{"_ref":418,"_type":120},"page-HK-newsroom-zh-HK",{"_type":178,"slug":420},"newsroom","新聞中心",{"_key":423,"_type":171,"isLegal":115,"links":424,"title":447},"footer-legal",[425,433,440],{"_key":426,"_type":117,"internal":427,"internalTarget":429,"label":432,"linkType":121,"openInNewTab":128},"legal-privacy-policy",{"_ref":428,"_type":120},"legalPage-HK-privacy-policy-zh-HK",{"_type":430,"slug":431},"legalPage","privacy-policy","隱私權政策",{"_key":434,"_type":117,"internal":435,"internalTarget":437,"label":439,"linkType":121,"openInNewTab":128},"legal-debit-card-terms-and-conditions",{"_ref":436,"_type":120},"legalPage-HK-debit-card-terms-and-conditions-zh-HK",{"_type":430,"slug":438},"debit-card-terms-and-conditions","條款與條件",{"_key":441,"_type":117,"internal":442,"internalTarget":444,"label":446,"linkType":121,"openInNewTab":128},"legal-complaints",{"_ref":443,"_type":120},"page-HK-complaints-zh-HK",{"_type":178,"slug":445},"complaints","投訴政策","Legal",{"_type":117,"externalUrl":449,"internalTarget":156,"label":47,"linkType":335,"openInNewTab":115},"https:\u002F\u002Fapp.aspireapp.com\u002Fregister\u002Fperson",[451,454,456,457,463],{"_key":452,"_type":117,"internalTarget":156,"label":202,"linkType":453},"nav-x","none",{"_key":452,"_type":117,"internalTarget":156,"label":455,"linkType":453},"解決方案",{"_key":452,"_type":117,"internalTarget":156,"label":392,"linkType":453},{"_key":452,"_type":117,"internal":458,"internalTarget":460,"label":462,"linkType":121},{"_ref":459,"_type":120},"page-HK-pricing-zh-HK",{"_type":178,"slug":461},"pricing","價格",{"_key":452,"_type":117,"internalTarget":156,"label":464,"linkType":453},"全球業務佈局",{"_type":117,"externalUrl":466,"internalTarget":156,"label":467,"linkType":335,"openInNewTab":115},"https:\u002F\u002Fapp.aspireapp.com\u002Flogin","登入",[469,564,696,755],{"_key":470,"_type":471,"columns":472,"featured":553,"label":202},"mm-x","megaMenuPanel",[473,505,530],{"_key":474,"_type":475,"links":476,"title":180},"c-x-0","megaMenuColumn",[477,484,489,497],{"_key":478,"_type":479,"link":480},"l-x-0","megaMenuLink",{"_type":117,"internal":481,"internalTarget":482,"label":483,"linkType":121},{"_ref":176,"_type":120},{"_type":178,"slug":179},"多幣種帳戶",{"_key":485,"_type":479,"link":486},"l-x-1",{"_type":117,"internal":487,"internalTarget":488,"label":187,"linkType":121},{"_ref":184,"_type":120},{"_type":178,"slug":186},{"_key":490,"_type":479,"link":491},"l-x-2",{"_type":117,"internal":492,"internalTarget":494,"label":496,"linkType":121},{"_ref":493,"_type":120},"page-HK-yield-zh-HK",{"_type":178,"slug":495},"yield","收益帳戶",{"_key":498,"_type":479,"link":499},"l-x-3",{"_type":117,"internal":500,"internalTarget":502,"label":504,"linkType":121},{"_ref":501,"_type":120},"page-HK-use-case-payroll-zh-HK",{"_type":178,"slug":503},"use-case\u002Fpayroll","出糧戶口",{"_key":506,"_type":475,"links":507,"title":529},"c-cfo-1",[508,512,516,522],{"_key":478,"_type":479,"link":509},{"_type":117,"internal":510,"internalTarget":511,"label":201,"linkType":121},{"_ref":198,"_type":120},{"_type":178,"slug":200},{"_key":485,"_type":479,"link":513},{"_type":117,"internal":514,"internalTarget":515,"label":216,"linkType":121},{"_ref":213,"_type":120},{"_type":178,"slug":215},{"_key":517,"_type":479,"link":518},"l-ar-2",{"_type":117,"internal":519,"internalTarget":520,"label":521,"linkType":121},{"_ref":232,"_type":120},{"_type":178,"slug":234},"應收賬款 (AR)",{"_key":498,"_type":479,"link":523},{"_type":117,"internal":524,"internalTarget":526,"label":528,"linkType":121},{"_ref":525,"_type":120},"page-HK-employer-of-record-zh-HK",{"_type":178,"slug":527},"employer-of-record","人力資源代管","CFO 專區",{"_key":531,"_type":475,"links":532,"title":552},"c-x-2",[533,538,545],{"_key":478,"_type":479,"link":534},{"_type":117,"internal":535,"internalTarget":536,"label":537,"linkType":121},{"_ref":191,"_type":120},{"_type":178,"slug":193},"國際匯款及換匯",{"_key":485,"_type":479,"link":539},{"_type":117,"internal":540,"internalTarget":542,"label":544,"linkType":121},{"_ref":541,"_type":120},"page-HK-issuance-zh-HK",{"_type":178,"slug":543},"issuance","出卡服務",{"_key":490,"_type":479,"link":546},{"_type":117,"internal":547,"internalTarget":549,"label":551,"linkType":121},{"_ref":548,"_type":120},"page-HK-global-account-zh-HK",{"_type":178,"slug":550},"global-account","環球帳戶","平台功能",{"body":554,"eyebrow":555,"heading":556,"image":557,"link":561},"為日常營運複雜、且需要專屬客戶經理的企業而設","最新動態","適合您業務需要的價格計劃",{"_type":130,"decorative":115,"height":558,"url":559,"width":560},300,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F015a53c008534f6ca384d53f932a5b6b\u002F68fa072e9f0a363d784248dd_Frame-1707480689.webp",588,{"_type":117,"internal":562,"internalTarget":563,"label":556,"linkType":121},{"_ref":459,"_type":120},{"_type":178,"slug":461},{"_key":470,"_type":471,"columns":565,"featured":678,"label":455},[566,597,619,651],{"_key":474,"_type":475,"links":567,"title":31},[568,576,583,590],{"_key":478,"_type":479,"link":569},{"_type":117,"internal":570,"internalTarget":572,"label":575,"linkType":121},{"_ref":571,"_type":120},"solution-HK-consulting-zh-HK",{"_type":573,"slug":574},"solution","consulting","顧問公司",{"_key":485,"_type":479,"link":577},{"_type":117,"internal":578,"internalTarget":580,"label":582,"linkType":121},{"_ref":579,"_type":120},"solution-HK-ecommerce-zh-HK",{"_type":573,"slug":581},"ecommerce","電子商務",{"_key":490,"_type":479,"link":584},{"_type":117,"internal":585,"internalTarget":587,"label":589,"linkType":121},{"_ref":586,"_type":120},"solution-HK-marketing-agencies-zh-HK",{"_type":573,"slug":588},"marketing-agencies","市場營銷",{"_key":498,"_type":479,"link":591},{"_type":117,"internal":592,"internalTarget":594,"label":596,"linkType":121},{"_ref":593,"_type":120},"solution-HK-vc-funds-zh-HK",{"_type":573,"slug":595},"vc-funds","創投和投資公司",{"_key":598,"_type":475,"links":599,"title":24},"c-x-1",[600,605,612],{"_key":478,"_type":479,"link":601},{"_type":117,"internal":602,"internalTarget":603,"label":604,"linkType":121},{"_ref":119,"_type":120},{"_type":178,"slug":323},"初創",{"_key":485,"_type":479,"link":606},{"_type":117,"internal":607,"internalTarget":609,"label":611,"linkType":121},{"_ref":608,"_type":120},"solution-HK-sme-zh-HK",{"_type":573,"slug":610},"sme","中小企",{"_key":490,"_type":479,"link":613},{"_type":117,"internal":614,"internalTarget":616,"label":618,"linkType":121},{"_ref":615,"_type":120},"solution-HK-mid-sized-companies-zh-HK",{"_type":573,"slug":617},"mid-sized-companies","中型企業",{"_key":531,"_type":475,"links":620,"title":650},[621,628,634,642],{"_key":478,"_type":479,"link":622},{"_type":117,"internal":623,"internalTarget":625,"label":627,"linkType":121},{"_ref":624,"_type":120},"page-HK-aspire-for-accountants-zh-HK",{"_type":178,"slug":626},"partners\u002Faccountants","會計師事務所",{"_key":485,"_type":479,"link":629},{"_type":117,"internal":630,"internalTarget":632,"label":582,"linkType":121},{"_ref":631,"_type":120},"page-HK-partners-ecommerce-zh-HK",{"_type":178,"slug":633},"partners\u002Fecommerce",{"_key":635,"_type":479,"link":636},"l-corpsec-2",{"_type":117,"internal":637,"internalTarget":639,"label":641,"linkType":121},{"_ref":638,"_type":120},"page-HK-partners-corpsec-zh-HK",{"_type":178,"slug":640},"partners\u002Fcorpsec","公司秘書 (CorpSec)",{"_key":643,"_type":479,"link":644},"l-incubators-3",{"_type":117,"internal":645,"internalTarget":647,"label":649,"linkType":121},{"_ref":646,"_type":120},"page-HK-partners-vc-and-incubators-zh-HK",{"_type":178,"slug":648},"partners\u002Fvc-and-incubators","創投及孵化 (Incubators)","合作夥伴",{"_key":652,"_type":475,"links":653,"title":677},"c-x-3",[654,662,669],{"_key":655,"_type":479,"link":656},"l-aspire-connect-0",{"_type":117,"internal":657,"internalTarget":659,"label":661,"linkType":121},{"_ref":658,"_type":120},"page-HK-aspire-connect-zh-HK",{"_type":178,"slug":660},"aspire-connect","Aspire Connect",{"_key":485,"_type":479,"link":663},{"_type":117,"internal":664,"internalTarget":666,"label":668,"linkType":121},{"_ref":665,"_type":120},"page-HK-integrations-zh-HK",{"_type":178,"slug":667},"integrations","軟件平台整合",{"_key":670,"_type":479,"link":671},"l-aspire-api-2",{"_type":117,"internal":672,"internalTarget":674,"label":676,"linkType":121},{"_ref":673,"_type":120},"page-HK-api-zh-HK",{"_type":178,"slug":675},"api","Aspire API","系統連接",{"body":679,"eyebrow":680,"link":681,"logo":684,"person":689},"「開立Aspire賬戶的過程非常快捷且毫不費力…我很欣賞他們在整個過程中提供的優質服務，再者網上平台也非常容易使用，亦付有很好的功能。」","客戶評價",{"_type":117,"externalUrl":682,"internalTarget":156,"label":683,"linkType":335},"https:\u002F\u002Ftestimonial.to\u002Faspire-testimonials\u002Fall","查看所有客戶評價",{"_type":130,"alternativeText":685,"height":686,"url":687,"width":688},"Tech In Asia",2645,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F2ff0ffa9ddde696666b9864ea7a4e8ad\u002F69684e48dddb500cdb790e4d_techinasia.webp",14650,{"image":690,"name":694,"role":695},{"_type":130,"alternativeText":691,"height":692,"url":693,"width":692},"Latha Natarajan，Tech In Asia 財務總監",41,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Ffe034d0bece564c2cd527bcd337b3806\u002F66f1187b1b8b19ef066879f7_latha-natrajan-small.webp","Latha Natarajan","Tech In Asia 財務總監",{"_key":470,"_type":471,"columns":697,"featured":742,"label":392},[698,719,729],{"_key":474,"_type":475,"links":699,"title":718},[700,705,712,716],{"_key":478,"_type":479,"link":701},{"_type":117,"internal":702,"internalTarget":703,"label":704,"linkType":121},{"_ref":308,"_type":120},{"_type":178,"slug":310},"網誌",{"_key":485,"_type":479,"link":706},{"_type":117,"internal":707,"internalTarget":709,"label":711,"linkType":121},{"_ref":708,"_type":120},"page-HK-downloads-zh-HK",{"_type":178,"slug":710},"downloads","市場洞察報告",{"_key":490,"_type":479,"link":713},{"_type":117,"internal":714,"internalTarget":715,"label":330,"linkType":121},{"_ref":327,"_type":120},{"_type":178,"slug":329},{"_key":498,"_type":479,"link":717},{"_type":117,"externalUrl":333,"internalTarget":156,"label":334,"linkType":335},"實用資源",{"_key":598,"_type":475,"links":720,"title":728},[721],{"_key":478,"_type":479,"link":722},{"_type":117,"internal":723,"internalTarget":725,"label":727,"linkType":121},{"_ref":724,"_type":120},"page-HK-rewards-zh-HK",{"_type":178,"slug":726},"rewards","優惠和獎賞","優勢",{"_key":531,"_type":475,"links":730,"title":741},[731,736],{"_key":732,"_type":479,"link":733},"l-aspire-0",{"_type":117,"internal":734,"internalTarget":735,"label":402,"linkType":121},{"_ref":399,"_type":120},{"_type":178,"slug":401},{"_key":490,"_type":479,"link":737},{"_type":117,"internal":738,"internalTarget":739,"label":740,"linkType":121},{"_ref":412,"_type":120},{"_type":178,"slug":414},"成為合作夥伴","公司資訊",{"body":743,"eyebrow":330,"heading":744,"image":745,"link":749},"Zenyum 如何透過 Aspire 公司卡，讓員工有效地管理支出","Zenyum",{"_type":130,"alternativeText":744,"height":746,"url":747,"width":748},195,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F43bc3d3401709db93b2423684e24984c\u002F6a2693b7ff679ec1b695c852_66f22710a14d16852adf7a30_zenyum.webp",375,{"_type":117,"internal":750,"internalTarget":752,"label":744,"linkType":121},{"_ref":751,"_type":120},"caseStudy-HK-zenyum-zh-HK",{"_type":753,"slug":754},"caseStudy","zenyum",{"_key":470,"_type":471,"columns":756,"featured":156,"label":464},[757],{"_key":474,"_type":475,"links":758,"title":771},[759,766],{"_key":478,"_type":479,"link":760},{"_type":117,"internal":761,"internalTarget":763,"label":765,"linkType":121},{"_ref":762,"_type":120},"page-HK-launchpad-usbusiness-zh-HK",{"_type":178,"slug":764},"launchpad\u002Fusbusiness","進軍美國市場",{"_key":485,"_type":479,"link":767},{"_type":117,"internal":768,"internalTarget":769,"label":770,"linkType":121},{"_ref":315,"_type":120},{"_type":178,"slug":317},"拓展香港業務","",{"_createdAt":773,"_id":774,"_rev":775,"_type":776,"_updatedAt":777,"asideCta":778,"bottomCta":786,"disclaimer":792,"language":51,"market":62,"midCta":825},"2026-08-20T08:06:00Z","blogPostTemplate-HK-zh-HK","s8k3pIFJmZrTtV5XljWRgT","blogPostTemplate","2026-10-01T04:56:31Z",{"heading":779,"image":780,"link":784},"只需幾分鐘 即可開立你的 Aspire 商業戶口",{"_type":130,"alternativeText":160,"height":781,"url":782,"width":783},200,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fc76545453549b9687122cd1c3bcbf74c\u002F6a5d2ac2cf5561baa2f8fb85_Frame-1707480717.png",305,{"_type":117,"externalUrl":449,"label":785,"linkType":335,"openInNewTab":115},"立即開戶",{"body":787,"heading":788,"link":789},"免費開設帳戶","讓 Aspire 助您簡化全球商業匯款",{"_type":117,"externalUrl":790,"label":791,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Ftalk-to-sales","聯絡銷售團隊",[793],{"_key":794,"_type":795,"children":796,"markDefs":818,"style":824},"edd9baf3-253","block",[797,802,806,810,814],{"_key":798,"_type":799,"marks":800,"text":801},"40f743b2-a88-0a","span",[],"免責聲明：本部落格僅供一般參考，不構成財務、法律、稅務或專業建議。Aspire 的服務受我們「",{"_key":803,"_type":799,"marks":804,"text":439},"40f743b2-a88-0b",[805],"disclaimer-link-0",{"_key":807,"_type":799,"marks":808,"text":809},"40f743b2-a88-1a",[],"」和「",{"_key":811,"_type":799,"marks":812,"text":462},"40f743b2-a88-1b",[813],"disclaimer-link-1",{"_key":815,"_type":799,"marks":816,"text":817},"40f743b2-a88-end",[],"」頁面中規定的條款約束。我們不保證內容的準確性、完整性或及時性，並且過往結果不代表未來表現。在根據所提供資訊採取行動之前，請務必諮詢合資格的專業人士。",[819,822],{"_key":805,"_type":820,"externalUrl":821,"linkType":335},"linkAnnotation","\u002Ftnc\u002Fmaster-service-agreement",{"_key":813,"_type":820,"externalUrl":823,"linkType":335},"\u002Fpricing","normal",{"eyebrow":318,"heading":826,"image":827,"link":831},"使用 Aspire Launchpad 輕鬆助你香港創業",{"_type":130,"alternativeText":160,"height":828,"url":829,"width":830},1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":117,"externalUrl":790,"label":832,"linkType":335},"跟銷售人員聯絡",[834,846,857,865],{"_id":835,"category":836,"coverImage":838,"description":843,"publishedAt":844,"slug":845,"title":839},"blogPost-HK-aspire-yield-launch-zh-HK",{"slug":420,"title":837},"Newsroom",{"_type":130,"alternativeText":839,"height":840,"url":841,"width":842},"Aspire Yield 繼新加坡後進駐香港：助港企善用閒置營運資金賺取回報，資金最快翌日可靈活調動",629,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F21755e4c74893f44cb7105efb50d8109\u002Faspire-yield-launch_cover.png",1198,"繼新加坡後 Aspire Yield 正式登陸香港！助港企善用閒置營運資金賺取回報，支援多幣種管理且資金最快翌日可靈活調動，打造安全高效的企業理財方案","2026-09-14T00:00:00.000Z","aspire-yield-launch",{"_id":847,"category":848,"coverImage":851,"description":854,"publishedAt":855,"slug":856,"title":852},"blogPost-HK-flywire-guide-zh-HK",{"slug":849,"title":850},"e-commerce","E-commerce",{"_type":130,"alternativeText":852,"height":131,"url":853,"width":133},"Flywire 教學：3 大用途、手續費匯率計算與防詐指南","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fdbcf53a180fa7694c34aff0667d7fa0c\u002Fflywire-guide_cover.jpeg","完整拆解 Flywire 於學費、醫療及企業 B2B 付款的 3 大用途！比較銀行轉帳與信用卡手續費、匯率點差及到賬時間，並教你避開付款詐騙與延誤。","2026-09-04T00:00:00.000Z","flywire-guide",{"_id":858,"category":859,"coverImage":860,"description":863,"publishedAt":855,"slug":864,"title":861},"blogPost-HK-google-ads-pricing-billing-methods-zh-HK",{"slug":849,"title":850},{"_type":130,"alternativeText":861,"height":131,"url":862,"width":133},"Google Ads 收費教學：拆解 CPC\u002FCPM 模式與 3 大扣款模式","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F6b8529e6ce5c4a9c28719538c72be1a3\u002Fgoogle-ads-pricing-billing-methods_cover.jpeg","剖析 Google Ads 廣告計費邏輯！帶你比較 CPC 與 CPM 模式的適用場景，掌握 3 種最新扣款與付款方式，並提供信用卡跨境交易手續費的避險指南。","google-ads-pricing-billing-methods",{"_id":866,"category":867,"coverImage":870,"description":873,"publishedAt":855,"slug":874,"title":871},"blogPost-HK-marketing-strategy-framework-guide-zh-HK",{"slug":868,"title":869},"guides","Guides",{"_type":130,"alternativeText":871,"height":131,"url":872,"width":133},"市場營銷策略教學：STP 定位、4P 組合與實務指標","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fbfce2a56dd92d0cfcff38196d39163c8\u002Fmarketing-strategy-framework-guide_cover.jpeg","深入了解市場營銷策略框架！釐清 STP 與 4P 應用技巧，解析 CAC、LTV 等四大衡量指標，並提供香港中小企品牌定位公式與落地執行清單，輕鬆建立長遠品牌價值。","marketing-strategy-framework-guide",{"data":876,"sourceMap":-1},{"_id":877,"_updatedAt":878,"alternates":879,"areSourcesShown":115,"author":883,"body":893,"category":2536,"coverImage":2537,"excerpt":2540,"faq":156,"intro":2577,"isFaqShown":128,"isSummaryShown":115,"isVideoShown":128,"publishedAt":2588,"reviewer":156,"seo":2589,"slug":2592,"sources":2593,"title":2538,"video":156},"blogPost-HK-what-is-rtgs-zh-HK","2026-09-24T08:36:15Z",[880,882],{"canonicalUrl":156,"isNoIndex":156,"language":881,"market":62,"pathPrefix":156},"en-HK",{"canonicalUrl":156,"isNoIndex":156,"language":51,"market":62,"pathPrefix":156},{"avatar":884,"bio":889,"doesServePage":115,"linkedinUrl":890,"name":885,"role":891,"slug":892,"twitterUrl":156},{"_type":130,"alternativeText":885,"height":886,"url":887,"width":888},"Galih Gumelar",2262,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F287881c633d9f9aa6975899b31cdb6e4\u002F659f55ddde7415e7fd2b0657_Galih-Gumelar.jpg",1984,"Galih 是一位資深作家，專注於宏觀經濟、商業、金融及政治領域。他曾為 CNN Indonesia、《雅加達郵報》以及其他多家知名媒體撰稿，擁有豐富的寫作經驗。憑藉廣泛的背景與視野，Galih 致力為有志創業者提供深入、有價值的資源。","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fgalih-gumelar-husni\u002F","撰稿人","galih-gumelar",[894,903,912,920,937,947,955,963,978,986,994,1002,1010,1018,1045,1053,1061,1069,1077,1085,1099,1108,1122,1136,1144,1152,1160,1168,1176,1184,1192,1200,1215,1223,1231,1248,1256,1264,1272,1285,1299,1307,1321,1329,1337,1356,1364,1372,1380,1395,1403,1411,1419,1427,1435,1443,1451,1459,1467,1482,1490,1505,1514,1522,1541,1549,1557,1565,1573,1581,1589,1597,1612,1620,1628,1636,1662,1670,1678,1686,1694,1702,1710,1718,1726,1741,1749,1757,1765,1773,1781,1789,1797,1805,1813,1828,1836,1844,1852,2104,2112,2120,2135,2322,2330,2338,2353,2361,2375,2383,2398,2406,2412,2448,2467,2475,2483,2491,2499],{"_key":895,"_type":795,"children":896,"markDefs":901,"style":902},"k3",[897],{"_key":898,"_type":799,"marks":899,"text":900},"k2",[],"什麼是 RTGS (即時支付結算系統)？",[],"h2",{"_key":904,"_type":795,"children":905,"markDefs":910,"style":911},"k7",[906],{"_key":907,"_type":799,"marks":908,"text":909},"k6",[],"RTGS 的定義：為何銀行系統需要它？",[],"h3",{"_key":913,"_type":795,"children":914,"markDefs":919,"style":824},"k11",[915],{"_key":916,"_type":799,"marks":917,"text":918},"k10",[],"RTGS (Real-Time Gross Settlement)，中文稱為「即時支付結算系統」，是現代銀行體系的核心基礎設施之一。",[],{"_key":921,"_type":795,"children":922,"markDefs":936,"style":824},"k19",[923,927,932],{"_key":924,"_type":799,"marks":925,"text":926},"k16",[],"要理解它的重要性，我們可以從字面上拆解",{"_key":928,"_type":799,"marks":929,"text":931},"k17",[930],"sup","1,2",{"_key":933,"_type":799,"marks":934,"text":935},"k18",[],"：",[],{"_key":938,"_type":795,"children":939,"level":944,"listItem":945,"markDefs":946,"style":824},"k23",[940],{"_key":941,"_type":799,"marks":942,"text":943},"k22",[],"即時 (Real-Time)：轉賬指令一旦發出，便會立即處理，無需等待（相較於傳統的批量處理）。",1,"bullet",[],{"_key":948,"_type":795,"children":949,"level":944,"listItem":945,"markDefs":954,"style":824},"k27",[950],{"_key":951,"_type":799,"marks":952,"text":953},"k26",[],"總額 (Gross)：每筆交易都是獨立結算，不會與其他交易捆綁或進行淨額結算（即先加總所有收款再減去所有付款）。",[],{"_key":956,"_type":795,"children":957,"level":944,"listItem":945,"markDefs":962,"style":824},"k31",[958],{"_key":959,"_type":799,"marks":960,"text":961},"k30",[],"結算 (Settlement)：結算是最終且不可撤銷的。一旦資金轉入收款銀行的賬戶，交易便告完成。",[],{"_key":964,"_type":795,"children":965,"markDefs":977,"style":824},"k39",[966,970,974],{"_key":967,"_type":799,"marks":968,"text":969},"k36",[],"銀行系統需要 RTGS 的主要原因有三",{"_key":971,"_type":799,"marks":972,"text":973},"k37",[930],"2",{"_key":975,"_type":799,"marks":976,"text":935},"k38",[],[],{"_key":979,"_type":795,"children":980,"level":944,"listItem":945,"markDefs":985,"style":824},"k43",[981],{"_key":982,"_type":799,"marks":983,"text":984},"k42",[],"安全性：傳統的淨額結算系統存在「結算風險」。如果在結算日結束前，某間銀行倒閉而無法支付其欠款，將可能引發連鎖效應，導致整個金融體系崩潰。RTGS 採用逐筆即時結算，資金一到賬即為最終結算，徹底消除了這種信貸風險。",[],{"_key":987,"_type":795,"children":988,"level":944,"listItem":945,"markDefs":993,"style":824},"k47",[989],{"_key":990,"_type":799,"marks":991,"text":992},"k46",[],"即時性：對於高價值或有時效性的交易（例如金融市場交易、房地產），RTGS 確保資金能夠近乎即時地從一方轉移到另一方。",[],{"_key":995,"_type":795,"children":996,"level":944,"listItem":945,"markDefs":1001,"style":824},"k51",[997],{"_key":998,"_type":799,"marks":999,"text":1000},"k50",[],"處理大額交易：RTGS 系統專為處理銀行間、大型企業和金融機構之間的大額、高價值款項而設，沒有設定太低的金額上限。",[],{"_key":1003,"_type":795,"children":1004,"markDefs":1009,"style":911},"k55",[1005],{"_key":1006,"_type":799,"marks":1007,"text":1008},"k54",[],"RTGS vs CHATS：香港的即時支付系統",[],{"_key":1011,"_type":795,"children":1012,"markDefs":1017,"style":824},"k59",[1013],{"_key":1014,"_type":799,"marks":1015,"text":1016},"k58",[],"那麼，RTGS 和我們常聽到的「CHATS」有什麼關係？",[],{"_key":1019,"_type":795,"children":1020,"markDefs":1042,"style":824},"k72",[1021,1025,1030,1034,1038],{"_key":1022,"_type":799,"marks":1023,"text":1024},"k67",[],"簡單來說，RTGS 是一種國際通用的系統概念和標準，而 ",{"_key":1026,"_type":799,"marks":1027,"text":1029},"k68",[1028],"k61","CHATS",{"_key":1031,"_type":799,"marks":1032,"text":1033},"k69",[]," 則是香港實施 RTGS 系統的具體名稱",{"_key":1035,"_type":799,"marks":1036,"text":1037},"k70",[930],"1",{"_key":1039,"_type":799,"marks":1040,"text":1041},"k71",[],"。",[1043],{"_key":1028,"_type":820,"externalUrl":1044,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fchats-transfer",{"_key":1046,"_type":795,"children":1047,"markDefs":1052,"style":824},"k76",[1048],{"_key":1049,"_type":799,"marks":1050,"text":1051},"k75",[],"CHATS (Clearing House Automated Transfer System)，即「結算所自動轉賬系統」，就是由香港銀行同業結算有限公司 (HKICL) 營運、香港金融管理局 (HKMA) 監管的本地 RTGS 系統。",[],{"_key":1054,"_type":795,"children":1055,"markDefs":1060,"style":824},"k80",[1056],{"_key":1057,"_type":799,"marks":1058,"text":1059},"k79",[],"在香港，當您需要進行一筆大額本地轉賬（例如支付樓宇首期或公司間的大額貨款）時，您使用的系統就是 CHATS。它支持港元、美元、人民幣和歐元四種貨幣的即時結算。",[],{"_key":1062,"_type":795,"children":1063,"markDefs":1068,"style":902},"k84",[1064],{"_key":1065,"_type":799,"marks":1066,"text":1067},"k83",[],"香港三大轉賬系統比較：CHATS vs FPS (轉數快) vs SWIFT (電匯)",[],{"_key":1070,"_type":795,"children":1071,"markDefs":1076,"style":824},"k88",[1072],{"_key":1073,"_type":799,"marks":1074,"text":1075},"k87",[],"了解 CHATS (即 RTGS) 後，我們來比較一下香港最常用的三種轉賬方式：",[],{"_key":1078,"_type":795,"children":1079,"markDefs":1084,"style":911},"k92",[1080],{"_key":1081,"_type":799,"marks":1082,"text":1083},"k91",[],"CHATS (結算所自動轉賬系統)",[],{"_key":1086,"_type":795,"children":1087,"level":944,"listItem":945,"markDefs":1098,"style":824},"k100",[1088,1092,1095],{"_key":1089,"_type":799,"marks":1090,"text":1091},"k97",[],"用途",{"_key":1093,"_type":799,"marks":1094,"text":1037},"k98",[930],{"_key":1096,"_type":799,"marks":1097,"text":935},"k99",[],[],{"_key":1100,"_type":795,"children":1101,"level":1106,"listItem":945,"markDefs":1107,"style":824},"k103",[1102],{"_key":1103,"_type":799,"marks":1104,"text":1105},"k102",[],"本地大額港元轉賬 (通常超過 FPS 上限，如數百萬甚至數千萬)。",2,[],{"_key":1109,"_type":795,"children":1110,"level":1106,"listItem":945,"markDefs":1120,"style":824},"k109",[1111,1115],{"_key":1112,"_type":799,"marks":1113,"text":1114},"k107",[],"企業間的大額交易、金融市場結算。",{"_key":1116,"_type":799,"marks":1117,"text":1119},"k108",[1118],"k105","‍",[1121],{"_key":1118,"_type":820,"externalUrl":1044,"linkType":335},{"_key":1123,"_type":795,"children":1124,"level":1106,"listItem":945,"markDefs":1134,"style":824},"k115",[1125,1130],{"_key":1126,"_type":799,"marks":1127,"text":1129},"k113",[1128],"k110","本地跨行轉賬外幣",{"_key":1131,"_type":799,"marks":1132,"text":1133},"k114",[]," (美元、人民幣、歐元)。",[1135],{"_key":1128,"_type":820,"externalUrl":1044,"linkType":335},{"_key":1137,"_type":795,"children":1138,"level":944,"listItem":945,"markDefs":1143,"style":824},"k119",[1139],{"_key":1140,"_type":799,"marks":1141,"text":1142},"k118",[],"特點：",[],{"_key":1145,"_type":795,"children":1146,"level":1106,"listItem":945,"markDefs":1151,"style":824},"k122",[1147],{"_key":1148,"_type":799,"marks":1149,"text":1150},"k121",[],"安全可靠，提供最終且不可撤銷的結算保障。",[],{"_key":1153,"_type":795,"children":1154,"level":1106,"listItem":945,"markDefs":1159,"style":824},"k125",[1155],{"_key":1156,"_type":799,"marks":1157,"text":1158},"k124",[],"即日到賬，但有截數時間 (通常在工作日下午5:00至5:30左右，各銀行不同)。",[],{"_key":1161,"_type":795,"children":1162,"level":1106,"listItem":945,"markDefs":1167,"style":824},"k129",[1163],{"_key":1164,"_type":799,"marks":1165,"text":1166},"k128",[],"通常需要收款人的銀行名稱、銀行編號和完整的賬戶號碼。",[],{"_key":1169,"_type":795,"children":1170,"markDefs":1175,"style":911},"k133",[1171],{"_key":1172,"_type":799,"marks":1173,"text":1174},"k132",[],"FPS (轉數快)",[],{"_key":1177,"_type":795,"children":1178,"level":944,"listItem":945,"markDefs":1183,"style":824},"k137",[1179],{"_key":1180,"_type":799,"marks":1181,"text":1182},"k136",[],"用途：",[],{"_key":1185,"_type":795,"children":1186,"level":1106,"listItem":945,"markDefs":1191,"style":824},"k140",[1187],{"_key":1188,"_type":799,"marks":1189,"text":1190},"k139",[],"本地小額、日常支付 (支援港元及人民幣)。",[],{"_key":1193,"_type":795,"children":1194,"level":1106,"listItem":945,"markDefs":1199,"style":824},"k143",[1195],{"_key":1196,"_type":799,"marks":1197,"text":1198},"k142",[],"朋友分賬、繳交費用、網購、支付商戶。",[],{"_key":1201,"_type":795,"children":1202,"level":944,"listItem":945,"markDefs":1214,"style":824},"k151",[1203,1207,1211],{"_key":1204,"_type":799,"marks":1205,"text":1206},"k148",[],"特點",{"_key":1208,"_type":799,"marks":1209,"text":1210},"k149",[930],"5,10",{"_key":1212,"_type":799,"marks":1213,"text":935},"k150",[],[],{"_key":1216,"_type":795,"children":1217,"level":1106,"listItem":945,"markDefs":1222,"style":824},"k154",[1218],{"_key":1219,"_type":799,"marks":1220,"text":1221},"k153",[],"24\u002F7 全天候運作，包括週末和公眾假期。",[],{"_key":1224,"_type":795,"children":1225,"level":1106,"listItem":945,"markDefs":1230,"style":824},"k157",[1226],{"_key":1227,"_type":799,"marks":1228,"text":1229},"k156",[],"真正即時到賬 (通常在數秒內完成)。",[],{"_key":1232,"_type":795,"children":1233,"level":1106,"listItem":945,"markDefs":1247,"style":824},"k164",[1234,1238,1243],{"_key":1235,"_type":799,"marks":1236,"text":1237},"k161",[],"可透過",{"_key":1239,"_type":799,"marks":1240,"text":1242},"k162",[1241],"strong","手機號碼、電郵地址或 FPS 識別碼",{"_key":1244,"_type":799,"marks":1245,"text":1246},"k163",[],"進行轉賬，無需銀行賬號。",[],{"_key":1249,"_type":795,"children":1250,"level":1106,"listItem":945,"markDefs":1255,"style":824},"k167",[1251],{"_key":1252,"_type":799,"marks":1253,"text":1254},"k166",[],"個人銀行使用通常免費。",[],{"_key":1257,"_type":795,"children":1258,"level":1106,"listItem":945,"markDefs":1263,"style":824},"k171",[1259],{"_key":1260,"_type":799,"marks":1261,"text":1262},"k170",[],"有每日轉賬上限（例如 HK$10,000 至 HK$1,000,000 不等，視乎銀行及個人設定）。",[],{"_key":1265,"_type":795,"children":1266,"markDefs":1271,"style":911},"k175",[1267],{"_key":1268,"_type":799,"marks":1269,"text":1270},"k174",[],"SWIFT (電匯)",[],{"_key":1273,"_type":795,"children":1274,"level":944,"listItem":945,"markDefs":1282,"style":824},"k182",[1275,1278],{"_key":1276,"_type":799,"marks":1277,"text":1182},"k180",[],{"_key":1279,"_type":799,"marks":1280,"text":1119},"k181",[1281],"k177",[1283],{"_key":1281,"_type":820,"externalUrl":1284,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Funderstanding-swift-code",{"_key":1286,"_type":795,"children":1287,"level":1106,"listItem":945,"markDefs":1297,"style":824},"k188",[1288,1293],{"_key":1289,"_type":799,"marks":1290,"text":1292},"k186",[1291],"k183","全球跨境轉賬",{"_key":1294,"_type":799,"marks":1295,"text":1296},"k187",[]," (例如匯款到美國、英國、澳洲等)。",[1298],{"_key":1291,"_type":820,"externalUrl":1284,"linkType":335},{"_key":1300,"_type":795,"children":1301,"level":1106,"listItem":945,"markDefs":1306,"style":824},"k191",[1302],{"_key":1303,"_type":799,"marks":1304,"text":1305},"k190",[],"支援幾乎所有國家的任何主要貨幣。",[],{"_key":1308,"_type":795,"children":1309,"level":944,"listItem":945,"markDefs":1320,"style":824},"k199",[1310,1313,1317],{"_key":1311,"_type":799,"marks":1312,"text":1206},"k196",[],{"_key":1314,"_type":799,"marks":1315,"text":1316},"k197",[930],"3,4",{"_key":1318,"_type":799,"marks":1319,"text":935},"k198",[],[],{"_key":1322,"_type":795,"children":1323,"level":1106,"listItem":945,"markDefs":1328,"style":824},"k202",[1324],{"_key":1325,"_type":799,"marks":1326,"text":1327},"k201",[],"全球通用的標準化系統。",[],{"_key":1330,"_type":795,"children":1331,"level":1106,"listItem":945,"markDefs":1336,"style":824},"k205",[1332],{"_key":1333,"_type":799,"marks":1334,"text":1335},"k204",[],"需時較長，通常為 1-5 個工作天，具體取決於中轉行和目的地。",[],{"_key":1338,"_type":795,"children":1339,"level":1106,"listItem":945,"markDefs":1353,"style":824},"k214",[1340,1344,1349],{"_key":1341,"_type":799,"marks":1342,"text":1343},"k211",[],"手續費較高，因涉及匯出銀行、",{"_key":1345,"_type":799,"marks":1346,"text":1348},"k212",[1347],"k207","中轉銀行",{"_key":1350,"_type":799,"marks":1351,"text":1352},"k213",[],"和匯入銀行的多重收費。",[1354],{"_key":1347,"_type":820,"externalUrl":1355,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fwhat-is-an-intermediary-bank",{"_key":1357,"_type":795,"children":1358,"markDefs":1363,"style":902},"k218",[1359],{"_key":1360,"_type":799,"marks":1361,"text":1362},"k217",[],"本地轉賬 (Local Transfers): 應選用 CHATS 還是 FPS？",[],{"_key":1365,"_type":795,"children":1366,"markDefs":1371,"style":824},"k222",[1367],{"_key":1368,"_type":799,"marks":1369,"text":1370},"k221",[],"在香港本地轉賬，我們主要在 CHATS 和 FPS 之間選擇。",[],{"_key":1373,"_type":795,"children":1374,"markDefs":1379,"style":911},"k226",[1375],{"_key":1376,"_type":799,"marks":1377,"text":1378},"k225",[],"什麼情況下必須使用 CHATS？",[],{"_key":1381,"_type":795,"children":1382,"markDefs":1394,"style":824},"k234",[1383,1387,1391],{"_key":1384,"_type":799,"marks":1385,"text":1386},"k231",[],"儘管 FPS 非常方便，但在以下情況，您必須使用 CHATS（即銀行的「本地轉賬」或「轉賬至其他銀行」功能，而非「轉數快」）",{"_key":1388,"_type":799,"marks":1389,"text":1390},"k232",[930],"1,11",{"_key":1392,"_type":799,"marks":1393,"text":935},"k233",[],[],{"_key":1396,"_type":795,"children":1397,"level":944,"listItem":945,"markDefs":1402,"style":824},"k238",[1398],{"_key":1399,"_type":799,"marks":1400,"text":1401},"k237",[],"場景1：轉賬金額大",[],{"_key":1404,"_type":795,"children":1405,"level":1106,"listItem":945,"markDefs":1410,"style":824},"k241",[1406],{"_key":1407,"_type":799,"marks":1408,"text":1409},"k240",[],"當您的轉賬金額超過了銀行的 FPS 每日上限時。例如，您需要支付 HK$3,000,000 的物業訂金，而您的銀行 FPS 每日上限僅為 HK$1,000,000，這時您必須使用 CHATS 進行轉賬。",[],{"_key":1412,"_type":795,"children":1413,"level":944,"listItem":945,"markDefs":1418,"style":824},"k245",[1414],{"_key":1415,"_type":799,"marks":1416,"text":1417},"k244",[],"場景2：本地跨行轉賬外幣",[],{"_key":1420,"_type":795,"children":1421,"level":1106,"listItem":945,"markDefs":1426,"style":824},"k248",[1422],{"_key":1423,"_type":799,"marks":1424,"text":1425},"k247",[],"這是一個常見的誤區。FPS 只支援港元 (HKD) 和人民幣 (CNY)。",[],{"_key":1428,"_type":795,"children":1429,"level":1106,"listItem":945,"markDefs":1434,"style":824},"k252",[1430],{"_key":1431,"_type":799,"marks":1432,"text":1433},"k251",[],"如果您想從A銀行的美元戶口，轉賬美元到B銀行的美元戶口（例如為了賺取更高的外幣定存利息），您必須使用 CHATS 系統。",[],{"_key":1436,"_type":795,"children":1437,"markDefs":1442,"style":911},"k256",[1438],{"_key":1439,"_type":799,"marks":1440,"text":1441},"k255",[],"什麼情況下應使用 FPS (轉數快)？",[],{"_key":1444,"_type":795,"children":1445,"level":944,"listItem":945,"markDefs":1450,"style":824},"k260",[1446],{"_key":1447,"_type":799,"marks":1448,"text":1449},"k259",[],"場景1：日常小額支付",[],{"_key":1452,"_type":795,"children":1453,"level":1106,"listItem":945,"markDefs":1458,"style":824},"k263",[1454],{"_key":1455,"_type":799,"marks":1456,"text":1457},"k262",[],"幾乎所有的日常支付，如朋友食飯夾錢 (AA收款)、網上購物、交租、支付學費等，只要金額在您的 FPS 上限內，都應優先使用 FPS。",[],{"_key":1460,"_type":795,"children":1461,"level":944,"listItem":945,"markDefs":1466,"style":824},"k267",[1462],{"_key":1463,"_type":799,"marks":1464,"text":1465},"k266",[],"場景2：需要 24\u002F7 即時轉賬",[],{"_key":1468,"_type":795,"children":1469,"level":1106,"listItem":945,"markDefs":1481,"style":824},"k275",[1470,1474,1478],{"_key":1471,"_type":799,"marks":1472,"text":1473},"k272",[],"如果您在週末、公眾假期或銀行截數時間後需要緊急轉賬給他人，FPS 是唯一的選擇，因為 CHATS 只在銀行工作日運行",{"_key":1475,"_type":799,"marks":1476,"text":1477},"k273",[930],"10",{"_key":1479,"_type":799,"marks":1480,"text":1041},"k274",[],[],{"_key":1483,"_type":795,"children":1484,"markDefs":1489,"style":911},"k279",[1485],{"_key":1486,"_type":799,"marks":1487,"text":1488},"k278",[],"本地 CHATS 轉賬教學 (網上銀行步驟)",[],{"_key":1491,"_type":795,"children":1492,"markDefs":1504,"style":824},"k287",[1493,1497,1501],{"_key":1494,"_type":799,"marks":1495,"text":1496},"k284",[],"使用 CHATS 的步驟（在不同銀行介面或有差異，但流程相近）",{"_key":1498,"_type":799,"marks":1499,"text":1500},"k285",[930],"6",{"_key":1502,"_type":799,"marks":1503,"text":935},"k286",[],[],{"_key":1506,"_type":795,"children":1507,"level":944,"listItem":1512,"markDefs":1513,"style":824},"k291",[1508],{"_key":1509,"_type":799,"marks":1510,"text":1511},"k290",[],"登入網上銀行：登入您的個人或企業網上銀行。","number",[],{"_key":1515,"_type":795,"children":1516,"level":944,"listItem":1512,"markDefs":1521,"style":824},"k295",[1517],{"_key":1518,"_type":799,"marks":1519,"text":1520},"k294",[],"選擇轉賬類型：尋找「轉賬」或「付款」選項。切勿選擇「轉數快 \u002F FPS」。您應選擇「轉賬至其他本地銀行戶口」或類似選項。",[],{"_key":1523,"_type":795,"children":1524,"level":944,"listItem":1512,"markDefs":1538,"style":824},"k304",[1525,1529,1534],{"_key":1526,"_type":799,"marks":1527,"text":1528},"k301",[],"輸入收款人資料：準確填寫收款銀行的名稱、",{"_key":1530,"_type":799,"marks":1531,"text":1533},"k302",[1532],"k297","銀行編號",{"_key":1535,"_type":799,"marks":1536,"text":1537},"k303",[],"（Bank Code，如 004）和完整的收款人賬戶號碼及戶名。",[1539],{"_key":1532,"_type":820,"externalUrl":1540,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fhong-kong-bank-code-list",{"_key":1542,"_type":795,"children":1543,"level":944,"listItem":1512,"markDefs":1548,"style":824},"k308",[1544],{"_key":1545,"_type":799,"marks":1546,"text":1547},"k307",[],"選擇貨幣和金額：選擇您要轉賬的貨幣（HKD, USD, EUR, CNY）並輸入金額。",[],{"_key":1550,"_type":795,"children":1551,"level":944,"listItem":1512,"markDefs":1556,"style":824},"k312",[1552],{"_key":1553,"_type":799,"marks":1554,"text":1555},"k311",[],"選擇處理方式：系統可能會讓您選擇「CHATS」（即時處理）或「電子結算 (ECG)」（需時 1-2 個工作天，費用較低或免費）。如需即時到賬，請務必選擇 CHATS。",[],{"_key":1558,"_type":795,"children":1559,"level":944,"listItem":1512,"markDefs":1564,"style":824},"k316",[1560],{"_key":1561,"_type":799,"marks":1562,"text":1563},"k315",[],"確認及提交：核對所有資料無誤後，輸入保安編碼（如 OTP）並確認交易。",[],{"_key":1566,"_type":795,"children":1567,"level":944,"listItem":1512,"markDefs":1572,"style":824},"k320",[1568],{"_key":1569,"_type":799,"marks":1570,"text":1571},"k319",[],"留意截數時間：請確保在銀行的 CHATS 截數時間前完成交易，否則該筆款項將順延至下一個工作天處理。",[],{"_key":1574,"_type":795,"children":1575,"markDefs":1580,"style":902},"k324",[1576],{"_key":1577,"_type":799,"marks":1578,"text":1579},"k323",[],"國際轉賬 (Cross-Border Transfers): SWIFT (電匯) 詳解",[],{"_key":1582,"_type":795,"children":1583,"markDefs":1588,"style":824},"k328",[1584],{"_key":1585,"_type":799,"marks":1586,"text":1587},"k327",[],"當資金需要跨越國界時，SWIFT 系統便登場。",[],{"_key":1590,"_type":795,"children":1591,"markDefs":1596,"style":911},"k332",[1592],{"_key":1593,"_type":799,"marks":1594,"text":1595},"k331",[],"SWIFT 系統如何運作？",[],{"_key":1598,"_type":795,"children":1599,"markDefs":1611,"style":824},"k340",[1600,1604,1608],{"_key":1601,"_type":799,"marks":1602,"text":1603},"k337",[],"SWIFT (Society for Worldwide Interbank Financial Telecommunication) 並不直接處理資金，它是一個訊息系統",{"_key":1605,"_type":799,"marks":1606,"text":1607},"k338",[930],"3",{"_key":1609,"_type":799,"marks":1610,"text":1041},"k339",[],[],{"_key":1613,"_type":795,"children":1614,"markDefs":1619,"style":824},"k344",[1615],{"_key":1616,"_type":799,"marks":1617,"text":1618},"k343",[],"SWIFT 為全球銀行提供一個安全、標準化的通訊網絡，讓銀行間可以互相發送支付指令（例如「請將 X 金額從 A 客戶轉給 B 客戶」）。",[],{"_key":1621,"_type":795,"children":1622,"markDefs":1627,"style":824},"k348",[1623],{"_key":1624,"_type":799,"marks":1625,"text":1626},"k347",[],"資金的實際轉移是透過銀行間的「代理賬戶 (Correspondent Accounts)」網絡完成的。如果 A 銀行和 B 銀行沒有直接的代理關係，匯款就可能需要經過一家或多家中轉銀行 (Correspondent Bank)，這也是為什麼 SWIFT 匯款需要時間且費用高昂的原因。",[],{"_key":1629,"_type":795,"children":1630,"markDefs":1635,"style":911},"k352",[1631],{"_key":1632,"_type":799,"marks":1633,"text":1634},"k351",[],"電匯的手續費結構",[],{"_key":1637,"_type":795,"children":1638,"markDefs":1659,"style":824},"k365",[1639,1643,1648,1652,1656],{"_key":1640,"_type":799,"marks":1641,"text":1642},"k360",[],"一筆 ",{"_key":1644,"_type":799,"marks":1645,"text":1647},"k361",[1646],"k354","SWIFT 電匯",{"_key":1649,"_type":799,"marks":1650,"text":1651},"k362",[],"的總成本通常由三部分組成，這也是其收費複雜且昂貴的原因",{"_key":1653,"_type":799,"marks":1654,"text":1655},"k363",[930],"4",{"_key":1657,"_type":799,"marks":1658,"text":935},"k364",[],[1660],{"_key":1646,"_type":820,"externalUrl":1661,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fblog\u002Fwhat-is-a-wire-transfer",{"_key":1663,"_type":795,"children":1664,"level":944,"listItem":1512,"markDefs":1669,"style":824},"k369",[1665],{"_key":1666,"_type":799,"marks":1667,"text":1668},"k368",[],"匯出銀行手續費 (本地銀行收取)：",[],{"_key":1671,"_type":795,"children":1672,"level":1106,"listItem":945,"markDefs":1677,"style":824},"k372",[1673],{"_key":1674,"_type":799,"marks":1675,"text":1676},"k371",[],"這是您在香港的銀行收取的「電匯費」或「匯款手續費」。(詳見下文比較)",[],{"_key":1679,"_type":795,"children":1680,"level":944,"listItem":1512,"markDefs":1685,"style":824},"k376",[1681],{"_key":1682,"_type":799,"marks":1683,"text":1684},"k375",[],"中轉行 (Correspondent Bank) 費用：",[],{"_key":1687,"_type":795,"children":1688,"level":1106,"listItem":945,"markDefs":1693,"style":824},"k380",[1689],{"_key":1690,"_type":799,"marks":1691,"text":1692},"k379",[],"這是最易被忽略的隱藏收費。如果您的銀行和收款銀行沒有直接結算通道，資金每經過一家中轉銀行，都可能被扣除一筆費用（例如 20-50 美元不等）。",[],{"_key":1695,"_type":795,"children":1696,"level":1106,"listItem":945,"markDefs":1701,"style":824},"k383",[1697],{"_key":1698,"_type":799,"marks":1699,"text":1700},"k382",[],"這筆費用通常會直接從您的匯款本金中扣除，導致收款人收到的金額少於您匯出的金額。",[],{"_key":1703,"_type":795,"children":1704,"level":944,"listItem":1512,"markDefs":1709,"style":824},"k387",[1705],{"_key":1706,"_type":799,"marks":1707,"text":1708},"k386",[],"匯入銀行手續費 (海外銀行收取)：",[],{"_key":1711,"_type":795,"children":1712,"level":1106,"listItem":945,"markDefs":1717,"style":824},"k391",[1713],{"_key":1714,"_type":799,"marks":1715,"text":1716},"k390",[],"收款人所在地的銀行也可能收取一筆「匯入匯款」的手續費。",[],{"_key":1719,"_type":795,"children":1720,"markDefs":1725,"style":911},"k395",[1721],{"_key":1722,"_type":799,"marks":1723,"text":1724},"k394",[],"電匯所需資料",[],{"_key":1727,"_type":795,"children":1728,"markDefs":1740,"style":824},"k403",[1729,1733,1737],{"_key":1730,"_type":799,"marks":1731,"text":1732},"k400",[],"為了確保匯款成功，您必須提供準確無誤的資料",{"_key":1734,"_type":799,"marks":1735,"text":1736},"k401",[930],"12",{"_key":1738,"_type":799,"marks":1739,"text":935},"k402",[],[],{"_key":1742,"_type":795,"children":1743,"level":944,"listItem":945,"markDefs":1748,"style":824},"k407",[1744],{"_key":1745,"_type":799,"marks":1746,"text":1747},"k406",[],"收款人全名及完整地址： 必須與銀行記錄一致。",[],{"_key":1750,"_type":795,"children":1751,"level":944,"listItem":945,"markDefs":1756,"style":824},"k411",[1752],{"_key":1753,"_type":799,"marks":1754,"text":1755},"k410",[],"收款人銀行賬戶號碼：",[],{"_key":1758,"_type":795,"children":1759,"level":1106,"listItem":945,"markDefs":1764,"style":824},"k414",[1760],{"_key":1761,"_type":799,"marks":1762,"text":1763},"k413",[],"在歐洲地區，這通常是 IBAN (國際銀行賬戶號碼)。",[],{"_key":1766,"_type":795,"children":1767,"level":1106,"listItem":945,"markDefs":1772,"style":824},"k417",[1768],{"_key":1769,"_type":799,"marks":1770,"text":1771},"k416",[],"在其他地區，則是當地的賬戶號碼。",[],{"_key":1774,"_type":795,"children":1775,"level":944,"listItem":945,"markDefs":1780,"style":824},"k421",[1776],{"_key":1777,"_type":799,"marks":1778,"text":1779},"k420",[],"收款銀行的 SWIFT Code (或稱 BIC Code)：",[],{"_key":1782,"_type":795,"children":1783,"level":1106,"listItem":945,"markDefs":1788,"style":824},"k424",[1784],{"_key":1785,"_type":799,"marks":1786,"text":1787},"k423",[],"這是銀行的國際身份證號，由 8 或 11 位字母和數字組成 (例如滙豐香港的 HSBCHKHHHKH)。",[],{"_key":1790,"_type":795,"children":1791,"level":944,"listItem":945,"markDefs":1796,"style":824},"k427",[1792],{"_key":1793,"_type":799,"marks":1794,"text":1795},"k426",[],"收款銀行名稱及地址。",[],{"_key":1798,"_type":795,"children":1799,"level":944,"listItem":945,"markDefs":1804,"style":824},"k431",[1800],{"_key":1801,"_type":799,"marks":1802,"text":1803},"k430",[],"匯款目的：例如：家庭開支、投資、學費等。",[],{"_key":1806,"_type":795,"children":1807,"markDefs":1812,"style":902},"k435",[1808],{"_key":1809,"_type":799,"marks":1810,"text":1811},"k434",[],"各大銀行轉賬手續費總覽",[],{"_key":1814,"_type":795,"children":1815,"markDefs":1827,"style":824},"k443",[1816,1820,1824],{"_key":1817,"_type":799,"marks":1818,"text":1819},"k440",[],"手續費是選擇轉賬方式的重要考量。以下是基於2025年資訊的香港主要銀行收費比較（注意：收費時有變動，且常因客戶級別而異，交易前請以銀行最終公佈為準）",{"_key":1821,"_type":799,"marks":1822,"text":1823},"k441",[930],"4,5,6,7,8,9",{"_key":1825,"_type":799,"marks":1826,"text":1041},"k442",[],[],{"_key":1829,"_type":795,"children":1830,"markDefs":1835,"style":911},"k447",[1831],{"_key":1832,"_type":799,"marks":1833,"text":1834},"k446",[],"本地 CHATS 手續費比較 (網上銀行 vs 分行)",[],{"_key":1837,"_type":795,"children":1838,"markDefs":1843,"style":824},"k451",[1839],{"_key":1840,"_type":799,"marks":1841,"text":1842},"k450",[],"重點提及： 對於大多數個人銀行戶口，透過網上銀行處理的港元 (HKD) CHATS 轉賬，現時普遍 免費。",[],{"_key":1845,"_type":795,"children":1846,"markDefs":1851,"style":824},"k455",[1847],{"_key":1848,"_type":799,"marks":1849,"text":1850},"k454",[],"但是，如果您需要經分行處理，或進行本地外幣 (USD\u002FCNY\u002FEUR) CHATS 轉賬，則通常會產生費用。",[],{"_key":1853,"_type":1854,"columnHeaders":1855,"hasColumnTitles":115,"hasRowTitles":128,"rows":1871},"k456","richTableBlock",[1856,1861,1864,1867],{"_key":1857,"_type":1858,"cellIndex":1859,"title":1860},"k457","columnHeader",0,"銀行",{"_key":1862,"_type":1858,"cellIndex":944,"title":1863},"k458","網上銀行 (港元)",{"_key":1865,"_type":1858,"cellIndex":1106,"title":1866},"k459","網上銀行 (外幣)",{"_key":1868,"_type":1858,"cellIndex":1869,"title":1870},"k460",3,"分行處理 (港元或外幣)",[1872,1921,1967,2013,2059],{"_key":1873,"_type":1874,"cells":1875},"k461","row",[1876,1888,1899,1910],{"_key":1877,"_type":1878,"content":1879},"k462","richTableCell",[1880],{"_key":1881,"_type":795,"children":1882,"markDefs":1887,"style":824},"k528",[1883],{"_key":1884,"_type":799,"marks":1885,"text":1886},"k527",[],"滙豐 (HSBC)",[],{"_key":1889,"_type":1878,"content":1890},"k465",[1891],{"_key":1892,"_type":795,"children":1893,"markDefs":1898,"style":824},"k531",[1894],{"_key":1895,"_type":799,"marks":1896,"text":1897},"k530",[],"免費 (個人)",[],{"_key":1900,"_type":1878,"content":1901},"k468",[1902],{"_key":1903,"_type":795,"children":1904,"markDefs":1909,"style":824},"k534",[1905],{"_key":1906,"_type":799,"marks":1907,"text":1908},"k533",[],"收費 (視乎戶口級別)",[],{"_key":1911,"_type":1878,"content":1912},"k471",[1913],{"_key":1914,"_type":795,"children":1915,"markDefs":1920,"style":824},"k537",[1916],{"_key":1917,"_type":799,"marks":1918,"text":1919},"k536",[],"約 HK$50 - HK$170",[],{"_key":1922,"_type":1874,"cells":1923},"k474",[1924,1935,1945,1956],{"_key":1925,"_type":1878,"content":1926},"k475",[1927],{"_key":1928,"_type":795,"children":1929,"markDefs":1934,"style":824},"k540",[1930],{"_key":1931,"_type":799,"marks":1932,"text":1933},"k539",[],"恒生 (Hang Seng)",[],{"_key":1936,"_type":1878,"content":1937},"k478",[1938],{"_key":1939,"_type":795,"children":1940,"markDefs":1944,"style":824},"k543",[1941],{"_key":1942,"_type":799,"marks":1943,"text":1897},"k542",[],[],{"_key":1946,"_type":1878,"content":1947},"k481",[1948],{"_key":1949,"_type":795,"children":1950,"markDefs":1955,"style":824},"k546",[1951],{"_key":1952,"_type":799,"marks":1953,"text":1954},"k545",[],"經 Mobile App 或有豁免*",[],{"_key":1957,"_type":1878,"content":1958},"k484",[1959],{"_key":1960,"_type":795,"children":1961,"markDefs":1966,"style":824},"k549",[1962],{"_key":1963,"_type":799,"marks":1964,"text":1965},"k548",[],"約 HK$170",[],{"_key":1968,"_type":1874,"cells":1969},"k487",[1970,1981,1992,2002],{"_key":1971,"_type":1878,"content":1972},"k488",[1973],{"_key":1974,"_type":795,"children":1975,"markDefs":1980,"style":824},"k552",[1976],{"_key":1977,"_type":799,"marks":1978,"text":1979},"k551",[],"渣打 (Standard Chartered)",[],{"_key":1982,"_type":1878,"content":1983},"k491",[1984],{"_key":1985,"_type":795,"children":1986,"markDefs":1991,"style":824},"k555",[1987],{"_key":1988,"_type":799,"marks":1989,"text":1990},"k554",[],"免費 (視乎戶口級別)",[],{"_key":1993,"_type":1878,"content":1994},"k494",[1995],{"_key":1996,"_type":795,"children":1997,"markDefs":2001,"style":824},"k558",[1998],{"_key":1999,"_type":799,"marks":2000,"text":1908},"k557",[],[],{"_key":2003,"_type":1878,"content":2004},"k497",[2005],{"_key":2006,"_type":795,"children":2007,"markDefs":2012,"style":824},"k561",[2008],{"_key":2009,"_type":799,"marks":2010,"text":2011},"k560",[],"約 HK$150",[],{"_key":2014,"_type":1874,"cells":2015},"k500",[2016,2027,2037,2048],{"_key":2017,"_type":1878,"content":2018},"k501",[2019],{"_key":2020,"_type":795,"children":2021,"markDefs":2026,"style":824},"k564",[2022],{"_key":2023,"_type":799,"marks":2024,"text":2025},"k563",[],"中銀香港 (BOC)",[],{"_key":2028,"_type":1878,"content":2029},"k504",[2030],{"_key":2031,"_type":795,"children":2032,"markDefs":2036,"style":824},"k567",[2033],{"_key":2034,"_type":799,"marks":2035,"text":1897},"k566",[],[],{"_key":2038,"_type":1878,"content":2039},"k507",[2040],{"_key":2041,"_type":795,"children":2042,"markDefs":2047,"style":824},"k570",[2043],{"_key":2044,"_type":799,"marks":2045,"text":2046},"k569",[],"收費 (例如 HK$25 - HK$55)",[],{"_key":2049,"_type":1878,"content":2050},"k510",[2051],{"_key":2052,"_type":795,"children":2053,"markDefs":2058,"style":824},"k573",[2054],{"_key":2055,"_type":799,"marks":2056,"text":2057},"k572",[],"約 HK$180",[],{"_key":2060,"_type":1874,"cells":2061},"k513",[2062,2073,2083,2093],{"_key":2063,"_type":1878,"content":2064},"k514",[2065],{"_key":2066,"_type":795,"children":2067,"markDefs":2072,"style":824},"k576",[2068],{"_key":2069,"_type":799,"marks":2070,"text":2071},"k575",[],"花旗 (Citibank)",[],{"_key":2074,"_type":1878,"content":2075},"k517",[2076],{"_key":2077,"_type":795,"children":2078,"markDefs":2082,"style":824},"k579",[2079],{"_key":2080,"_type":799,"marks":2081,"text":1990},"k578",[],[],{"_key":2084,"_type":1878,"content":2085},"k520",[2086],{"_key":2087,"_type":795,"children":2088,"markDefs":2092,"style":824},"k582",[2089],{"_key":2090,"_type":799,"marks":2091,"text":1990},"k581",[],[],{"_key":2094,"_type":1878,"content":2095},"k523",[2096],{"_key":2097,"_type":795,"children":2098,"markDefs":2103,"style":824},"k585",[2099],{"_key":2100,"_type":799,"marks":2101,"text":2102},"k584",[],"約 HK$100",[],{"_key":2105,"_type":795,"children":2106,"markDefs":2111,"style":824},"k589",[2107],{"_key":2108,"_type":799,"marks":2109,"text":2110},"k588",[],"*恒生銀行2025年資料顯示，透過恒生 Mobile App 經 CHATS 轉賬本地外幣可獲手續費豁免。",[],{"_key":2113,"_type":795,"children":2114,"markDefs":2119,"style":911},"k593",[2115],{"_key":2116,"_type":799,"marks":2117,"text":2118},"k592",[],"SWIFT (電匯) 手續費比較",[],{"_key":2121,"_type":795,"children":2122,"markDefs":2134,"style":824},"k601",[2123,2127,2131],{"_key":2124,"_type":799,"marks":2125,"text":2126},"k598",[],"以下比較的是經網上銀行匯出的銀行手續費，不包括中轉行及匯入行費用",{"_key":2128,"_type":799,"marks":2129,"text":2130},"k599",[930],"5,6,7,8,9",{"_key":2132,"_type":799,"marks":2133,"text":1041},"k600",[],[],{"_key":2136,"_type":1854,"columnHeaders":2137,"hasColumnTitles":115,"hasRowTitles":128,"rows":2146},"k602",[2138,2140,2143],{"_key":2139,"_type":1858,"cellIndex":1859,"title":1860},"k603",{"_key":2141,"_type":1858,"cellIndex":944,"title":2142},"k604","網上銀行 (SWIFT 電匯)",{"_key":2144,"_type":1858,"cellIndex":1106,"title":2145},"k605","備註 (2025年資訊)",[2147,2182,2217,2252,2287],{"_key":2148,"_type":1874,"cells":2149},"k606",[2150,2160,2171],{"_key":2151,"_type":1878,"content":2152},"k607",[2153],{"_key":2154,"_type":795,"children":2155,"markDefs":2159,"style":824},"k658",[2156],{"_key":2157,"_type":799,"marks":2158,"text":1886},"k657",[],[],{"_key":2161,"_type":1878,"content":2162},"k610",[2163],{"_key":2164,"_type":795,"children":2165,"markDefs":2170,"style":824},"k661",[2166],{"_key":2167,"_type":799,"marks":2168,"text":2169},"k660",[],"HK$70 (個人)",[],{"_key":2172,"_type":1878,"content":2173},"k613",[2174],{"_key":2175,"_type":795,"children":2176,"markDefs":2181,"style":824},"k664",[2177],{"_key":2178,"_type":799,"marks":2179,"text":2180},"k663",[],"2025年2月起調整，適用於網上理財匯出",[],{"_key":2183,"_type":1874,"cells":2184},"k616",[2185,2195,2206],{"_key":2186,"_type":1878,"content":2187},"k617",[2188],{"_key":2189,"_type":795,"children":2190,"markDefs":2194,"style":824},"k667",[2191],{"_key":2192,"_type":799,"marks":2193,"text":1933},"k666",[],[],{"_key":2196,"_type":1878,"content":2197},"k620",[2198],{"_key":2199,"_type":795,"children":2200,"markDefs":2205,"style":824},"k670",[2201],{"_key":2202,"_type":799,"marks":2203,"text":2204},"k669",[],"HK$65 (個人 e-Banking)",[],{"_key":2207,"_type":1878,"content":2208},"k623",[2209],{"_key":2210,"_type":795,"children":2211,"markDefs":2216,"style":824},"k673",[2212],{"_key":2213,"_type":799,"marks":2214,"text":2215},"k672",[],"經分行處理收費 HK$190 起",[],{"_key":2218,"_type":1874,"cells":2219},"k626",[2220,2230,2241],{"_key":2221,"_type":1878,"content":2222},"k627",[2223],{"_key":2224,"_type":795,"children":2225,"markDefs":2229,"style":824},"k676",[2226],{"_key":2227,"_type":799,"marks":2228,"text":1979},"k675",[],[],{"_key":2231,"_type":1878,"content":2232},"k630",[2233],{"_key":2234,"_type":795,"children":2235,"markDefs":2240,"style":824},"k679",[2236],{"_key":2237,"_type":799,"marks":2238,"text":2239},"k678",[],"HK$160 - HK$200",[],{"_key":2242,"_type":1878,"content":2243},"k633",[2244],{"_key":2245,"_type":795,"children":2246,"markDefs":2251,"style":824},"k682",[2247],{"_key":2248,"_type":799,"marks":2249,"text":2250},"k681",[],"視乎戶口級別，「優先理財」或可豁免",[],{"_key":2253,"_type":1874,"cells":2254},"k636",[2255,2265,2276],{"_key":2256,"_type":1878,"content":2257},"k637",[2258],{"_key":2259,"_type":795,"children":2260,"markDefs":2264,"style":824},"k685",[2261],{"_key":2262,"_type":799,"marks":2263,"text":2025},"k684",[],[],{"_key":2266,"_type":1878,"content":2267},"k640",[2268],{"_key":2269,"_type":795,"children":2270,"markDefs":2275,"style":824},"k688",[2271],{"_key":2272,"_type":799,"marks":2273,"text":2274},"k687",[],"HK$65 (個人電子渠道)",[],{"_key":2277,"_type":1878,"content":2278},"k643",[2279],{"_key":2280,"_type":795,"children":2281,"markDefs":2286,"style":824},"k691",[2282],{"_key":2283,"_type":799,"marks":2284,"text":2285},"k690",[],"經分行處理收費 HK$260。「中銀快匯」匯至內地中行可免費",[],{"_key":2288,"_type":1874,"cells":2289},"k646",[2290,2300,2311],{"_key":2291,"_type":1878,"content":2292},"k647",[2293],{"_key":2294,"_type":795,"children":2295,"markDefs":2299,"style":824},"k694",[2296],{"_key":2297,"_type":799,"marks":2298,"text":2071},"k693",[],[],{"_key":2301,"_type":1878,"content":2302},"k650",[2303],{"_key":2304,"_type":795,"children":2305,"markDefs":2310,"style":824},"k697",[2306],{"_key":2307,"_type":799,"marks":2308,"text":2309},"k696",[],"HK$0 - HK$200",[],{"_key":2312,"_type":1878,"content":2313},"k653",[2314],{"_key":2315,"_type":795,"children":2316,"markDefs":2321,"style":824},"k700",[2317],{"_key":2318,"_type":799,"marks":2319,"text":2320},"k699",[],"視乎戶口級別，Citi Priority\u002FCitigold 網上匯款通常免費",[],{"_key":2323,"_type":795,"children":2324,"markDefs":2329,"style":902},"k704",[2325],{"_key":2326,"_type":799,"marks":2327,"text":2328},"k703",[],"如何節省轉賬手續費？",[],{"_key":2331,"_type":795,"children":2332,"markDefs":2337,"style":824},"k708",[2333],{"_key":2334,"_type":799,"marks":2335,"text":2336},"k707",[],"貼士1：優先使用網上銀行而非分行",[],{"_key":2339,"_type":795,"children":2340,"level":944,"listItem":945,"markDefs":2352,"style":824},"k716",[2341,2345,2349],{"_key":2342,"_type":799,"marks":2343,"text":2344},"k713",[],"從上表可見，無論是 CHATS 還是 SWIFT，經分行處理的手續費都是網上銀行的數倍之多",{"_key":2346,"_type":799,"marks":2347,"text":2348},"k714",[930],"5",{"_key":2350,"_type":799,"marks":2351,"text":1041},"k715",[],[],{"_key":2354,"_type":795,"children":2355,"markDefs":2360,"style":824},"k720",[2356],{"_key":2357,"_type":799,"marks":2358,"text":2359},"k719",[],"貼士2：小額轉賬盡量使用 FPS",[],{"_key":2362,"_type":795,"children":2363,"level":944,"listItem":945,"markDefs":2374,"style":824},"k728",[2364,2368,2371],{"_key":2365,"_type":799,"marks":2366,"text":2367},"k725",[],"所有本地港元及人民幣的小額轉賬，應優先使用完全免費的 FPS (轉數快)",{"_key":2369,"_type":799,"marks":2370,"text":1500},"k726",[930],{"_key":2372,"_type":799,"marks":2373,"text":1041},"k727",[],[],{"_key":2376,"_type":795,"children":2377,"markDefs":2382,"style":824},"k732",[2378],{"_key":2379,"_type":799,"marks":2380,"text":2381},"k731",[],"貼士3：了解並選用提供手續費豁免的銀行戶口",[],{"_key":2384,"_type":795,"children":2385,"level":944,"listItem":945,"markDefs":2397,"style":824},"k740",[2386,2390,2394],{"_key":2387,"_type":799,"marks":2388,"text":2389},"k737",[],"如果您經常需要進行電匯或本地外幣轉賬，應考慮升級至「優先理財」或「高端理財」戶口（如 HSBC Premier, Citi Priority\u002FGold）。雖然這些戶口有最低結餘要求，但它們通常會豁免 CHATS 及 SWIFT 電匯的手續費，長遠可節省大量費用",{"_key":2391,"_type":799,"marks":2392,"text":2393},"k738",[930],"7",{"_key":2395,"_type":799,"marks":2396,"text":1041},"k739",[],[],{"_key":2399,"_type":795,"children":2400,"markDefs":2405,"style":902},"k743",[2401],{"_key":2402,"_type":799,"marks":2403,"text":2404},"k742",[],"企業轉賬方案：Aspire 商業戶口如何優化您的跨境 (SWIFT) 匯款成本？",[],{"_key":2407,"_type":130,"alternativeText":2408,"height":2409,"position":2410,"url":2411,"width":133},"k744","image",900,"fullWidth","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fba2bef588eb82fae80903128f6c833cf\u002Fshared_body_shared-body-image-paonuk_1.png",{"_key":2413,"_type":795,"children":2414,"markDefs":2443,"style":824},"k762",[2415,2419,2423,2427,2432,2436,2440],{"_key":2416,"_type":799,"marks":2417,"text":2418},"k755",[],"對於需要頻繁全球匯款的企業而言，傳統銀行的 SWIFT 電匯系統往往意味著高昂且難以預測的成本。",{"_key":2420,"_type":799,"marks":2421,"text":160},"k756",[2422],"k746",{"_key":2424,"_type":799,"marks":2425,"text":2426},"k757",[]," 現代金融科技平台提供了專為中小企和初創設計的",{"_key":2428,"_type":799,"marks":2429,"text":2431},"k758",[2430],"k749","商業戶口",{"_key":2433,"_type":799,"marks":2434,"text":2435},"k759",[],"方案，旨在解決以下痛點並優化您的匯款成本",{"_key":2437,"_type":799,"marks":2438,"text":2439},"k760",[930],"13,14",{"_key":2441,"_type":799,"marks":2442,"text":1041},"k761",[],[2444,2446],{"_key":2422,"_type":820,"externalUrl":2445,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK",{"_key":2430,"_type":820,"externalUrl":2447,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fbusiness-account",{"_key":2449,"_type":795,"children":2450,"markDefs":2464,"style":824},"k771",[2451,2455,2460],{"_key":2452,"_type":799,"marks":2453,"text":2454},"k768",[],"Aspire 提供",{"_key":2456,"_type":799,"marks":2457,"text":2459},"k769",[2458],"k764","全球匯款方案",{"_key":2461,"_type":799,"marks":2462,"text":2463},"k770",[],"，讓企業能以更低匯率進行國際匯款，從源頭上節省你的匯款費用。",[2465],{"_key":2458,"_type":820,"externalUrl":2466,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fglobal-payments",{"_key":2468,"_type":795,"children":2469,"level":944,"listItem":945,"markDefs":2474,"style":824},"k775",[2470],{"_key":2471,"_type":799,"marks":2472,"text":2473},"k774",[],"更低的手續費：只需 USD 8 起，便可選用低成本的 SWIFT 匯款服務，國際匯款手續費可低高達 3 倍，顯著節省成本。",[],{"_key":2476,"_type":795,"children":2477,"level":944,"listItem":945,"markDefs":2482,"style":824},"k779",[2478],{"_key":2479,"_type":799,"marks":2480,"text":2481},"k778",[],"更多貨幣選擇：支持超過 30 種主要貨幣，滿足全球匯款需求。",[],{"_key":2484,"_type":795,"children":2485,"level":944,"listItem":945,"markDefs":2490,"style":824},"k783",[2486],{"_key":2487,"_type":799,"marks":2488,"text":2489},"k782",[],"更快捷的匯款：Aspire 提供即日轉賬服務，匯款速度更快，服務覆蓋超過 130 個國家。",[],{"_key":2492,"_type":795,"children":2493,"level":944,"listItem":945,"markDefs":2498,"style":824},"k787",[2494],{"_key":2495,"_type":799,"marks":2496,"text":2497},"k786",[],"開設多貨幣帳戶：企業可隨時收取及繳付外幣，毋須多次兌匯轉賬，節省大量手續費。",[],{"_key":2500,"_type":795,"children":2501,"markDefs":2531,"style":824},"k805",[2502,2506,2510,2514,2519,2523,2527],{"_key":2503,"_type":799,"marks":2504,"text":2505},"k798",[],"此外，你可使用",{"_key":2507,"_type":799,"marks":2508,"text":187},"k799",[2509],"k789",{"_key":2511,"_type":799,"marks":2512,"text":2513},"k800",[],"碌卡埋單，在市場營銷、SaaS 訂閱等指定開支上最高賺取 1% 現金回贈。這些回贈會每月自動存入你的賬戶，真正將您的營運成本轉化為持續回報。結合",{"_key":2515,"_type":799,"marks":2516,"text":2518},"k801",[2517],"k792","開支管理工具",{"_key":2520,"_type":799,"marks":2521,"text":2522},"k802",[],"，即時追蹤報銷與收據，從此告別雜亂單據和對賬。",{"_key":2524,"_type":799,"marks":2525,"text":2526},"k803",[1241],"立即免費開立賬戶",{"_key":2528,"_type":799,"marks":2529,"text":2530},"k804",[],"，體驗比傳統銀行更靈活、更智能的理財方案，加速你的業務成長！",[2532,2534],{"_key":2509,"_type":820,"externalUrl":2533,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fcorporate-card",{"_key":2517,"_type":820,"externalUrl":2535,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fexpense-management",{"slug":868,"title":869},{"_type":130,"alternativeText":2538,"height":131,"url":2539,"width":133},"RTGS 是什麼？與 CHATS 有何分別及各大銀行手續費一覽","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F07a08dadd8da07e8a6c899d56b30c9fe\u002Fshared-07a08dad_cover_shared-cover-payments.jpeg",[2541,2548,2556,2563,2569],{"_key":898,"_type":795,"children":2542,"level":944,"listItem":945,"markDefs":2547,"style":824},[2543],{"_key":2544,"_type":799,"marks":2545,"text":2546},"k1",[],"RTGS (即時支付結算系統) 是一種安全處理大額交易的國際標準；CHATS (結算所自動轉賬系統) 就是香港實施 RTGS 系統的具體名稱。",[],{"_key":2549,"_type":795,"children":2550,"level":944,"listItem":945,"markDefs":2555,"style":824},"k5",[2551],{"_key":2552,"_type":799,"marks":2553,"text":2554},"k4",[],"本地轉賬的選擇：小額、日常支付（港元\u002F人民幣）應使用 FPS (轉數快)，因其 24\u002F7、即時且免費。",[],{"_key":2557,"_type":795,"children":2558,"level":944,"listItem":945,"markDefs":2562,"style":824},"k8",[2559],{"_key":904,"_type":799,"marks":2560,"text":2561},[],"本地大額（超出 FPS 上限）或本地跨行外幣（美元\u002F歐元\u002F人民幣）轉賬，必須使用 CHATS 系統，並需留意銀行的截數時間。",[],{"_key":913,"_type":795,"children":2564,"level":944,"listItem":945,"markDefs":2568,"style":824},[2565],{"_key":916,"_type":799,"marks":2566,"text":2567},[],"跨境匯款需使用 SWIFT (電匯)，其手續費結構最複雜（包含中轉行隱藏收費），到賬需時 1-5 天。",[],{"_key":2570,"_type":795,"children":2571,"level":944,"listItem":945,"markDefs":2576,"style":824},"k14",[2572],{"_key":2573,"_type":799,"marks":2574,"text":2575},"k13",[],"節省手續費：優先使用網上銀行（本地港元 CHATS 多數免費），避免使用分行；企業可考慮 Aspire 等金融科技平台以獲取更優匯率，降低 SWIFT 成本。",[],[2578],{"_key":907,"_type":795,"children":2579,"markDefs":2587,"style":824},[2580,2583,2585],{"_key":895,"_type":799,"marks":2581,"text":2582},[],"「RTGS」聽起來像個複雜的金融術語，但它其實是現代銀行體系安全運作的基石，確保大額資金能即時且安全地結算。RTGS 中文全稱是「即時支付結算系統」，而在香港金融體系中，我們日常用作大額轉賬的 CHATS 系統，其實就是香港實施 RTGS 系統的具體名稱。很多人會混淆 RTGS、CHATS、FPS 和 SWIFT 之間的分別。本文將用最淺白易懂的方式，解釋 RTGS 是什麼，並透過比較不同情景（本地小額、本地大額、跨境匯款），助您清晰分辨應在何時使用哪種轉賬方式，以及如何能最節省手續費",{"_key":2552,"_type":799,"marks":2584,"text":1037},[930],{"_key":2549,"_type":799,"marks":2586,"text":1041},[],[],"2025-12-24T00:00:00.000Z",{"_type":125,"metaDescription":2590,"metaTitle":2538,"socialShareImageUrl":2591},"RTGS 中文是「即時支付結算系統」。它和香港的 CHATS 有何分別？本文為您詳解 RTGS 是什麼，並比較本地大額轉賬 (CHATS) 與跨境匯款 (SWIFT) 的手續費與流程。",{"_type":130,"alternativeText":2538,"height":131,"url":2539,"width":133},"what-is-rtgs",[2594,2600,2606,2612,2618,2624,2630,2637,2643,2650,2658,2665,2673,2679],{"_key":898,"_type":795,"children":2595,"level":944,"listItem":945,"markDefs":2599,"style":824},[2596],{"_key":2544,"_type":799,"marks":2597,"text":2598},[],"Hong Kong Monetary Authority (2025). Payment Systems. Retrieved from (https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fkey-functions\u002Finternational-financial-centre\u002Ffinancial-market-infrastructure\u002Fpayment-systems\u002F)",[],{"_key":2549,"_type":795,"children":2601,"level":944,"listItem":945,"markDefs":2605,"style":824},[2602],{"_key":2552,"_type":799,"marks":2603,"text":2604},[],"BIS\u002FCPMI (2016). Glossary of payment system terminology. Retrieved from (https:\u002F\u002Fwww.bis.org\u002Fcpmi\u002Fpubl\u002Fd00b.htm)",[],{"_key":2557,"_type":795,"children":2607,"level":944,"listItem":945,"markDefs":2611,"style":824},[2608],{"_key":904,"_type":799,"marks":2609,"text":2610},[],"SWIFT (2021). Press release: Swift does not hold funds or manage accounts. Retrieved from (https:\u002F\u002Fwww.swift.com\u002Fnews-events\u002Fpress-releases\u002Fswift-delivers-major-milestones-strategy-instant-and-frictionless-transactions-and-sets-stage-global-adoption-2022)",[],{"_key":913,"_type":795,"children":2613,"level":944,"listItem":945,"markDefs":2617,"style":824},[2614],{"_key":916,"_type":799,"marks":2615,"text":2616},[],"HSBC (2025). General Bank Tariffs (Effective 1 Nov 2025) (PDF). Retrieved from (https:\u002F\u002Fwww.hsbc.com.hk\u002Fcontent\u002Fdam\u002Fhsbc\u002Fhk\u002Fdocs\u002Ffees\u002Fgeneral-bank-tariffs-personal-en.pdf)",[],{"_key":2570,"_type":795,"children":2619,"level":944,"listItem":945,"markDefs":2623,"style":824},[2620],{"_key":2573,"_type":799,"marks":2621,"text":2622},[],"HSBC (2025). Online Pricing Table. Retrieved from (https:\u002F\u002Fwww.hsbc.com.hk\u002Fways-to-bank\u002Finternet\u002Fonline-discount\u002F)",[],{"_key":928,"_type":795,"children":2625,"level":944,"listItem":945,"markDefs":2629,"style":824},[2626],{"_key":924,"_type":799,"marks":2627,"text":2628},[],"Hang Seng Bank (2025). Tariff Guide for Banking Services – Personal (PDF). Retrieved from (https:\u002F\u002Fwww.hangseng.com\u002Fcontent\u002Fdam\u002Fhase\u002Fconfig\u002Ftariff-guide\u002Ftariff-guide-personal-en.pdf)",[],{"_key":2631,"_type":795,"children":2632,"level":944,"listItem":945,"markDefs":2636,"style":824},"k20",[2633],{"_key":921,"_type":799,"marks":2634,"text":2635},[],"Standard Chartered Hong Kong (2025). Service Charges (PDF). Retrieved from (https:\u002F\u002Fav.sc.com\u002Fhk\u002Fcontent\u002Fdocs\u002Fhk-sc-service-charges-en.pdf)",[],{"_key":938,"_type":795,"children":2638,"level":944,"listItem":945,"markDefs":2642,"style":824},[2639],{"_key":941,"_type":799,"marks":2640,"text":2641},[],"Bank of China (Hong Kong) (2025). Your Money – Service Charges. Retrieved from (https:\u002F\u002Fwww.bochk.com\u002Fen\u002Fyourmoney\u002Fbanking\u002Fpersonalaccount\u002Fservicecharge.html)",[],{"_key":951,"_type":795,"children":2644,"level":944,"listItem":945,"markDefs":2649,"style":824},[2645],{"_key":2646,"_type":799,"marks":2647,"text":2648},"k25",[],"Citibank (Hong Kong) (2025). About Us → Banking Fees (Telegraphic Transfers). Retrieved from (https:\u002F\u002Fwww.citibank.com.hk\u002Fen\u002Fabout-us\u002Fbanking-fees\u002F)",[],{"_key":2651,"_type":795,"children":2652,"level":944,"listItem":945,"markDefs":2657,"style":824},"k29",[2653],{"_key":2654,"_type":799,"marks":2655,"text":2656},"k28",[],"Hong Kong Monetary Authority (2025). Payment Connect – Faster Payment System (FPS) features & service hours. Retrieved from (https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Fpayment-and-transfer\u002Fpayment-connect\u002F)",[],{"_key":2659,"_type":795,"children":2660,"level":944,"listItem":945,"markDefs":2664,"style":824},"k32",[2661],{"_key":956,"_type":799,"marks":2662,"text":2663},[],"Hong Kong Monetary Authority (2024\u002F25). FAQs about FPS. Retrieved from (https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Fpayment-and-transfer\u002Ffaster-payment-system-fps-faqs\u002F)",[],{"_key":2666,"_type":795,"children":2667,"level":944,"listItem":945,"markDefs":2672,"style":824},"k35",[2668],{"_key":2669,"_type":799,"marks":2670,"text":2671},"k34",[],"HSBC (2025). FAQ – What SWIFT code do I need? (HSBCHKHHHKH). Retrieved from (https:\u002F\u002Fwww.hsbc.com.hk\u002Fhelp\u002Ffaq\u002F)",[],{"_key":975,"_type":795,"children":2674,"level":944,"listItem":945,"markDefs":2678,"style":824},[2675],{"_key":971,"_type":799,"marks":2676,"text":2677},[],"Aspire (2025). Pricing. Retrieved from (https:\u002F\u002Faspireapp.com\u002Fpricing)",[],{"_key":2680,"_type":795,"children":2681,"level":944,"listItem":945,"markDefs":2686,"style":824},"k41",[2682],{"_key":2683,"_type":799,"marks":2684,"text":2685},"k40",[],"Aspire (2025). Global Business Payments. Retrieved from (https:\u002F\u002Faspireapp.com\u002Fglobal-payments)",[],1791455346465]