Common sense of currency exchange

1. What is the common sense of currency exchange when studying in Spain?

1 99965438+1October1officially used in Austria, Belgium, France, Germany, Finland, Netherlands, Luxembourg, Ireland, Italy, Portugal and Spain 1 1 country (euro zone country), 2002.

Currency name euro

Standard code EUR

Idiomatic symbol?

The predecessor of currency is the European monetary unit.

Monetary base 1 euro = 100 cents.

The euro zone has 17 member countries and a population of over 380 million. The 17 members of the euro are Ireland, Austria, Belgium, Germany, France, Finland, the Netherlands, Luxembourg, Portugal, Spain, Greece, Italy, Slovenia, Cyprus, Malta, Slovakia and Estonia. They are all members of the European Union.

Foreign exchange: banks can provide foreign exchange services for tourists from Monday to Saturday (banks are closed from June to September) from 8:30- 14:00. Most hotels and travel agencies can also exchange foreign exchange.

Credit cards: Most hotels and shops accept credit cards and traveler's checks from major international organizations. Usually, there will be a notice on the billboard in front of the store telling you whether you can pay by credit card.

UnionPay card:

Cash withdrawal: EUFISERV, EURO600 network, and Citibank's ATM can all use UnionPay cards to withdraw cash directly. There are about 15000 sets in Spain, and ATM machines placed around some tourist attractions also provide Chinese operation interfaces for UnionPay cardholders.

Tip:

1, debit card (credit card) needs to pay interest or the handling fee is high, so it is recommended to use debit card as much as possible for ATM withdrawal;

2. Whether it is a debit card or a credit card, you need to enter a cash withdrawal password on the ATM. Credit cards without a cash withdrawal password need to apply before going abroad;

3. Some stores or ATMs may not have the "UnionPay" logo at present, so it is recommended to take the initiative to ask the store cashier or bank service personnel;

4. At present, except Citibank, there is no inquiry service on ATMs of other banks in Spain.

Exchange rate: 1 Euro =8.5 196 RMB (20 1 1. 12.8).

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2. Studying in Japan: What is the common sense of currency exchange?

Before studying in Japan, you must know the local currency and monetary policy. Experts tell you what monetary preparations you should make before studying in Japan.

At present, there are 6 kinds of coins and 4 kinds of paper money issued in Japan, totaling 10. All currencies are issued by the Bank of Japan, which is the only central bank in Japan. In Japan, there is no chance to exchange money except the exchange office, bank window and hotel counter at the international airport. So you'd better change money at the airport when you arrive in Japan. You can't use currencies other than Japanese yen in general stores. In addition, some shops can't use credit cards, so you'd better bring some cash.

currency conversion

Narita Airport can exchange at least 20 major currencies into Japanese yen. The trading center is open from 6:00 in the morning until the last flight arrives. Tokyo City Bank and 80 post offices can exchange US dollars and other major currencies. The exchange fee of the bank is very low. The bank is open from 9: 00 to 15: 00 from Monday to Friday, and the post office can be exchanged from 9: 00 to 16: 00. In the evening, you can also exchange money through some money agents or in recognized hotels and department stores. It is not a problem to cash traveler's checks in banks and hotels, and some big stores can also cash them.

Cash and credit cards

It is generally safer to carry cash with you in Tokyo. You need cash to buy tickets, museum tickets, and eat in small restaurants or shops. Major credit cards can be used anywhere in Tokyo.

Consumption tax (value-added tax) is 5%, which is generally added at the cashier. In some big department stores, the consumption tax can be partially refunded (please refer to the duty-free purchase manual).

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3. What is the common sense of currency exchange and credit card use when studying in Switzerland?

Currency exchange:

banking hours

Monday to Friday: 65438+ 00: 00 am-3:00 pm-3: 00 pm

Thursday: 65438+ 00: 00 am–4: 00 pm/5: 30 pm

Larger banks and railway stations can exchange money, such as UBS, Credit Suisse, ZKB (National Bank of Zurich) or Le Fei Sen Bank, and the exchange rates of major currencies are not much different from each other. Because the sharp depreciation of the euro in a short period of time caused an unprecedented rise in the Swiss franc, which affected the domestic economy, the exchange rate of the euro against the Swiss franc is now forcibly controlled between 1.2- 1.25. At present, the loss of holding the exchange rate of the euro against the Swiss franc seems to be the smallest.

In some cities, banks may be open until 6 o'clock. All banks are closed on weekends and public holidays. Generally speaking, banks that open in airports, docks or major railway stations will open later.

Consumption level:

Most restaurants have "Today's Special" dishes at lunch time. Tt ") supply. Lunch time is 165438+ 0 am to 2 pm. A main course is about 60-90 kronor (usually you can choose from several), and bread and butter, salad, soft drinks and coffee are also served. In addition, there are many coffee shops and snack bars to choose from.

There are all kinds of restaurants in Zurich. There are many high-priced restaurants on Banhoff Street, with an average tip of 60 to 70 pounds per person. There is also a small shop selling Turkish barbecue and thin-bottomed pizza, which was stopped by a dozen Swiss francs.

Unionpay:

UnionPay cards can be accepted at 100% ATMs with UnionPay logo on their screens in Switzerland.

Tip:

Tips can be given appropriately after meals, and of course, they can not be given (completely voluntary). If you give it, try to give one or more coins, not a few cents. The Swiss are a little jealous of this.

Credit card:

The payment system in Switzerland is very developed, and most stores and supermarkets support credit card and debit card consumption. However, before using the credit card, please find out whether there is any extra handling fee, because now more and more merchants are slowly charging the client for the handling fee of the credit card (probably because the annual fee of the credit card is getting lower and lower). Large shopping malls and supermarkets also accept payment in euros, and Swiss francs are recovered, but the exchange rate will lose a little. The dollar is not universal.

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4. Introduction of currency exchange knowledge of studying in Japan

At present, there are 6 kinds of coins and 4 kinds of paper money issued in Japan, totaling 10. All currencies are issued by the Bank of Japan, which is the only central bank in Japan. In Japan, there is no chance to exchange money except the exchange office, bank window and hotel counter at the international airport. So you'd better change money at the airport when you arrive in Japan. You can't use currencies other than Japanese yen in general stores. In addition, some shops can't use credit cards, so you'd better bring some cash.

currency conversion

Narita Airport can exchange at least 20 major currencies into Japanese yen. The trading center is open from 6:00 in the morning until the last flight arrives. Tokyo City Bank and 80 post offices can exchange US dollars and other major currencies. The exchange fee of the bank is very low. The bank is open from 9: 00 to 15: 00 from Monday to Friday, and the post office can be exchanged from 9: 00 to 16: 00. In the evening, you can also exchange money through some money agents or in recognized hotels and department stores. It is not a problem to cash traveler's checks in banks and hotels, and some big stores can also cash them.

Cash and credit cards

It is generally safer to carry cash with you in Tokyo. You need cash to buy tickets, museum tickets, and eat in small restaurants or shops. Major credit cards can be used anywhere in Tokyo.

Consumption tax (value-added tax) is 5%, which is generally added at the cashier. In some big department stores, the consumption tax can be partially refunded (please refer to the duty-free purchase manual).

Original source:

5. Studying in Singapore: What is the common sense of currency exchange?

Studying in Singapore: common sense of currency exchange

Singapore's currency is the Singapore dollar, and Singapore does not accept RMB consumption. Domestic and international credit cards can be used in Singapore, but the consumption is calculated in US dollars and the domestic repayment is RMB. In large shopping centers and restaurants, besides Singapore dollars, US dollars, Australian dollars and British pounds can also be used. Every consumption in Singapore is subject to a consumption tax of 5%.

Currency types in Singapore: Singapore dollar types and denominations are divided into 10000, 1000, 500, 100, 50, 20, 10, 5, 1 9 denominations, and sub-currency units are 50 and 50. The symbol of the new currency is Singapore dollar.

Currency exchange for studying in Singapore: RMB can be exchanged for Singapore dollars or US dollars at home or after going to Singapore, and can be exchanged at airports, Singapore Chinatown, banks and other places. In Singapore, dollars can be used directly for consumption.

Exchange rate: at present, it is about 1 Singapore dollar to 4.9 RMB.

Several major credit card services, including American Express, Diner's Card, JCB, MasterCard and Visa, are widely accepted. Another widely used payment method is S system, which can be easily paid by ATM card. Some merchants accept UnionPay cards. If any merchant insists on charging extra fees, please inform the issuing bank or credit card company immediately.

Students studying in Singapore can exchange money in banks, hotels and any other "chartered money exchange offices". Most shopping centers have chartered currency exchange offices. Students should not exchange money with illegal money changers to protect their own interests.

Banking hours are generally from Monday to Friday morning 10:00 to 3: 00 pm; Business hours on Saturdays are from 9: 30am to 65438+ 0: 00pm (a few banks are open until 3: 00pm on Saturdays). Some banks located in Orchard Road will remain open from 9:30 am to 3:00 pm on Sunday. If necessary, find out the business hours of the bank first. Most banks can handle traveler's checks and foreign currency exchange. However, some banks do not handle foreign exchange business on Saturdays.

When you cash traveler's checks, you need to show your passport and pay a small handling fee.

Tipping is not popular in studying in Singapore. Because most hotels and restaurants have included 10% service charge in their bills. Therefore, students in China can pay as they do in China, regardless of tips. Recommended study in Singapore: study in Singapore: customs you need to know in your life: what you need to bring before you leave: several ways to study, work and get employment in Singapore.

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6. What is the common sense of currency exchange when studying in Italy?

Italy is an EU country, and now the lira has basically stopped, and the euro is used all over the country. Visitors can also take US dollars to the local bank for exchange.

Tourists had better change enough euros in domestic banks before going abroad, because the exchange rate of Venice Bank is notoriously poor. There is an exchange office near Venice Railway Station, which is open from 7: 00 to 2 1: 00 every day.

If you want to change dollars into euros, you can change them at the American Express office. Address: Saliz Zada San Moise1471Business hours: Monday to Friday 9:00- 17:30, Saturday and Sunday 9:30- 12:30. ATM cash withdrawal: At present, more than half of ATMs in Italy can use UnionPay cards to withdraw euro cash. But in Venice, China tourists had better prepare more cash, because Venice is an alternative city. Most shops and scenic spots here can't pay by credit card (even the airport doesn't accept it), and the ATM machines in Venice often don't work. Original source:

7. What common sense do you have about currency exchange and credit cards before studying abroad?

currency conversion

Narita Airport can exchange at least 20 major currencies into Japanese yen. The trading center is open from 6:00 in the morning until the last flight arrives. Tokyo City Bank and 80 post offices can exchange US dollars and other major currencies. The exchange fee of the bank is very low. The bank is open from 9: 00 to 15: 00 from Monday to Friday, and the post office can be exchanged from 9: 00 to 16: 00. In the evening, you can also exchange money through some money agents or in recognized hotels and department stores. It is not a problem to cash traveler's checks in banks and hotels, and some big stores can also cash them.

Cash and credit cards

It is generally safer to carry cash with you in Tokyo. You need cash to buy tickets, museum tickets, and eat in small restaurants or shops. Major credit cards can be used anywhere in Tokyo.

Credit card liaison office

visa

Tel: 0120-133-173 (free of charge)

MasterCard credit card

Tel: 553 1-6 100.

Tel: 553 1-6000(ATM information)

American express

Tel: 3220-6 100

Tel: 0 120-020-020 (free of charge)

consumption tax

Consumption tax (value-added tax) is 5%, which is generally added at the cashier. In some big department stores, the consumption tax can be partially refunded (please refer to the duty-free purchase manual).

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8. What is the basic knowledge of foreign exchange?

(a) the concept of foreign exchange has a double meaning, that is, there are dynamic and static points.

The dynamic concept of foreign exchange refers to the flow of money between countries and a specialized commercial activity of exchanging one country's currency for another to pay off international creditor's rights and debts. It is short for international exchange.

The static concept of foreign exchange is divided into narrow foreign exchange concept and broad foreign exchange concept. In a narrow sense, foreign exchange refers to various means of payment expressed in foreign currency, which are generally accepted by all countries and can be used for international settlement of creditor's rights and debts.

Must have three characteristics: (1) endurance. It must be a foreign currency asset.

(2) availability. Must be a creditor's right that can be compensated abroad.

(3) interchangeability. It must be a foreign currency asset that can be freely converted into other means of payment.

Foreign exchange in a broad sense refers to all assets owned by a country in foreign currency. The International Monetary Fund (IMF) defines this as: "Foreign exchange is the creditor's rights held by monetary management authorities (central bank, monetary management institutions, foreign exchange stabilization fund and Ministry of Finance) in the form of bank deposits, treasury bonds, long-term and short-term securities, etc. , which can be used when the balance of payments is in deficit.

"Simply put, foreign exchange is a foreign currency, or a means of payment expressed in foreign currency that can be used for international settlement. Article 3 of the Regulations on Foreign Exchange Management promulgated by China 1997 stipulates the following specific contents of foreign exchange: (1) foreign currency.

Including paper money and coins. (2) Foreign currency payment voucher.

Including bills, bank payment vouchers, postal savings vouchers, etc. (3) Foreign currency securities.

Including * * * bonds, corporate bonds, stocks and so on. (4) Special Drawing Rights and European Monetary Units.

(5) Other foreign currency assets.

9. What is the common sense of Canadian currency exchange?

The official currency of Canada is the Canadian dollar ($).

One Canadian dollar is equal to 100 cent. Many businesses, especially those in big city centers, also accept US dollars, although you have to pay an exchange rate surcharge.

When you arrive, you may notice different pricing methods. For example, 1.33 equals one yuan and three points, 0.33 equals three points, and 33 equals three points. There are six different denominations of coins, and each coin is obviously different in size, shape and color, so it is easy to identify.

One side of the coin is also printed with images of special significance to Canadians. For example, a hidden dragon is printed on a dollar coin, and two maple leaves are printed on a penny coin.

These are coins of six denominations in circulation at present: penny = 1.5044 nickel = 5.5044 dime = 10.25044 quarter = 25.5044 dollars. Your most common banknotes are: five yuan-ten yuan in blue-twenty yuan in purple-fifty yuan in green-one hundred yuan in red-brown.