如果您有家人或朋友在海外，可能很多时候都需要汇款到海外，以帮助他们解决日常生活的费用或偿还债务。
随着资讯科技快速发展，网上汇款的手续变得越来越简单、方便，但一不小心，很可能会堕入骗局，甚至要花上大笔费用。
透过银行转账
透过银行汇款到海外，无疑是最简单、最安全的方式之一，但成本普遍都非常高昂。澳洲每间银行的汇款手续费都略有不同，通常介乎10至32元之间。
Customer at the bank getting money from the teller. You might also be interested in these: Source: Getty Images
透过汇款公司转账
When it comes to sending amounts of up to $1000 to family and friends, the cheapest options are online money transfer companies, like . Their fees vary between $0 and $15 for small amounts.
Make sure to plan ahead as setting up an account and getting approval can take a few days.
Some money transfer companies let you use cash or EFPTOS, but the fees when you do it that way are generally higher than doing it online.
Source: Pixabay - CC0 Creative Commons
International Money Order
You could also get an international guaranteed check at your bank and send it by mail so your family can deposit it in their bank account. It’s obviously much slower than the previous options.
Check the exchange rate
If your transfer is not urgent, you might want to wait and shop around for a good exchange rate.
“There are lots of options but you should shop around for a good exchange rate. This could mean the difference between more money or less money in the bank account of the person you are sending the money to,” says Warren Day, Regional Commissioner for Victoria for the Australian Securities and Investments Commission.
Australia and South Korea have agreed to strengthen financial cooperation between their central banks over the looming expiration of a currency swap arrangement Source: Getty Images
Do your research
If you pick a money transfer company, it’s important to pick a reputable one. You can use websites like , and to check if the company you’ll be using can be trusted.
Keep all the information until the transfer is received
Once you’ve done the transaction with a money transfer company or your bank, make sure to keep all the important information somewhere safe; transaction number, amount of the transfer, time of the transfer, etc.
If there’s an issue and the money is not received, you can go directly to the company or the bank with that information and they should be able to help you.
If they can’t find the money and/or if you’re not satisfied with their response, you can complain to the .
