!!!!!!!!!!!!!!!!!!!!!國際支票問題!!!!!!!!!!!!!!!!!!!!!

支票可分為兩類:
-本地支票(戶口發出的叫支票-Local Clearing Cheque,銀行發出的叫本票-Cashier's Order)
-匯票 (International Cheque/ Bank Draft/ Demand Draft)

對於香港的銀行而言:
本地支票是用於本地(香港)交收, 香港銀行的支票戶口只有港幣及美元兩種貨幣, 因此本地支票亦只有這兩種貨幣.

匯票是用於外地交收, 而且有註明交收國家及銀行. 香港沒有私人匯票, 只有由銀行發出的: 有美元, 歐元, 英鎊, 加元, 澳元, 星加坡元.....

例如:
你在美國的網上購物公司訂了貨, 要付美金.
你可去銀行買一張美元匯票(當然你要知道抬頭名及銀碼)給那公司付款, 那公司收到你的匯票後要去自己的銀行入票, 因為美元匯票一般都是在美國交收, 因此大約兩三日就可以收錢. 但如果你寄一張香港的美元支票給他, 因為交收是在香港, 所以他的銀行要把票寄回香港的銀行收款, 這程序叫托收. 托收一般要21-30日, 要看交收行而定.


若收票人的戶口在香港, 就給他本票. 若收票人的戶口在外地, 就應給他匯票.
買匯票在任何銀行的分行都可以(地鐵站恆生除外), 大約 $50 - $80 一張, 但都要求買匯票的人在該銀行有戶口. 因為開立戶口時銀行會進行KYC (Know Your Customer), 了解客人的背景, 目的是想防止清洗黑錢活動. (匯票是誇境的金錢交易)

2007-11-01 23:28:38 補充：
既然它的郵寄地址是在香港, 而且只是收港幣, 其實是否給它私人支票/銀行本票已ok?都係打電話問問好d.(我之前續購symantec既防毒軟件, 只用信用卡付款, 未試過寄票)

2007-11-05 22:55:03 補充：
據我所知, 香港銀行應該無港元匯票, 既然佢一定要你用匯票, 不如你問吓佢比美金得唔得.如果ok, 問清楚佢美金個銀碼, 因為唔知佢用咩匯價.去銀行只要話比個teller知，抬頭名同銀碼就ok.可能有d銀行既美元匯票會有分美國東岸或西岸交收，但其實影響唔大，都無咩所謂．

that's call demand draft/bank draft, is a cheque for international use
the regular cheque that you use, that's for locally use, not for international use, meaning, that's just only good for using within Hong Kong, but not elsewhere/other countries
the benefits is other country can get the money in their country after the cheque was cleared and no need to go to HK in person to clear the cheque (bank in the cheque).
you can purchase the demand draft/bank draft at any bank, and they will charge you an issuing fee. whether you need to have an account or not at the bank to process the demand draft/bank draft issuance, that's different from bank to bank, you need to check with the bank that you want them to assist you on this
for an easy version, just treat that as a regular cheque that you use but just for this, is just only good to bank in in other countries