The people and things I encounter during the holidays are mostly about family and students, etc.!
Every day there is nothing to do, just making PPTs to prevent some filings, specifically for those studying abroad, my cross-border fund management artifact.
Sisters! As a senior who has studied in Australia for 3 years, today I want to share a cross-border fund artifact from the bottom of my heart!
If you have been scammed while paying tuition, unable to get cashback from overseas shopping, or your funds for US stocks are always frozen, you must watch this! 👇
1. My painful lessons💔
❌ Tuition delay almost caused issues: Once used a major bank for a wire transfer, 10,000 AUD tuition was not received in 5 days, and I was warned by the school!
❌ Cashback from overseas shopping went down the drain: 800 euros cashback from a French pharmacy, traditional channels lost nearly 2000 yuan!
❌ Always missed the bottom of US stocks: Last year when Tesla dropped sharply, it took the bank 3 days to exchange currency, missing a 10% increase!
2. Discovered a treasure tool💎
Until I encountered the licensed and compliant 【BiyaPay multi-currency wallet】, which completely solved my cross-border problems:
✅ Tuition paid on the same day: Received in the University of Sydney account in 2 hours, saving 80% on fees!
✅ 0 loss for cashback: Euro → HKD → withdrawn to Hong Kong card, with transparent exchange rates throughout!
✅ Instant funds for trading US stocks: Exchange dollars directly to Tiger Securities, real-time monitoring without missing anything!
Reasons for personal recommendation:
🔸 Licensed and super secure: Official licenses from the US/New Zealand (checked the official website, it’s real!)
🔸 Truly saving on fees: 50 yuan fee for 10,000 USD vs bank 300 yuan+
🔸 Extremely simple operation: APP is fully in Chinese, binding Wise/HK card is super convenient
3. Step-by-step guide for you📱
Scenario 1: Paying tuition
1️⃣ Log in to BiyaPay and select 【Remittance】→ Enter the University of Sydney account
2️⃣ Exchange AUD (exchange rate is 0.2% higher than the bank!)
3️⃣ Receive the school's confirmation email within 2 hours after submission✨
Scenario 2: Overseas shopping withdrawal
1️⃣ Withdraw French cashback euros to BiyaPay
2️⃣ Exchange to HKD → Withdraw to Hong Kong HSBC card
3️⃣ 0 freezing records throughout.
4. Tips from a senior📝
⚠️ Make sure to apply for an overseas card first (recommended Hong Kong ZA/Singapore OCBC)
⚠️ Before large transactions, ask customer service for a 【Fund Arrival Time Commitment Letter】#非农就业数据来袭 $LAYER #非农就业数据来袭
