BANK DRAFT (海外貿易)

1) Bank Draft即匯票，即外地銀行收了你客戶錢後開給你的憑票，你收到此匯票後交回你自己所屬銀行，銀行就會幫你向外地銀行在本地的代理行收錢，繼而存回你戶口及收取手續費。由於該筆錢巳匯至本地，所以只需本地銀行確認就可兌現，需時幾天。
2) 收取外地銀行支票只是開票人可省匯票及電匯的手續費，而你收到票後同樣要交本地銀行代收及要支付手續費，有些銀行會先兌現給你(視乎你所持户口種類)，但大多數銀行會在外地銀行確認支票放款後才會兌現給你，美金支票一般需時約一個月。
3) Bank Draft與支票就是以上分別。
以我們與美國客人交易的經驗，收外地貨款最理想是:1)信用狀即L/C，2)銀行托收即D/P或D/A，或3)電匯即T/T。我提議以你的情況做T/T比較好，匯款可直接入戶口，不用費時去銀行入票。
以上是個人經驗，希望幫到你。

1) bank draft is a cheque which is issued by the bank. This kind of payment is secured since the cheque is issued by the bank unless the cheque is forged.
2) you need to check with your bank if there are any additional handling charge. But this kind of payment usually takes a longer time to mark good, sometimes it takes almost 3-4 week.
3) refers to 1)