Personal · 04
Expat & personal FX
People and companies use different FX files. Salary remittance is not a dividend.
First job Separate individual FX from the company’s capital-account payments.
Start here
Key considerations
- Is the payer an employer paying salary, or an individual using a quota?
- What tax proof has the bank asked for?
- Is immigration status a separate open file?
Decision map
Keep the question bounded.
- Name the person fileSalary versus personal quota.
- Match the proofTax and employment evidence banks typically want.
- Keep company cash separateEntity remittances belong on dividend or fee routes.
Curated resources
Open the asset that matches this job.
China cross-border money movement desk
National banking, FX and capital-controls map for inbound, outbound and blocked payments.
Banking and FX remittance for foreigners
Salary remittance, tax proof and limits for individuals.
Personal FX quota and cross-border funds
Individual quota questions, distinct from a company’s capital account.
Helpful to prepare
Facts that make the next conversation clearer.
These items are orientation aids, not a legal requirement list.
- Individual versus company payment
- Employer and payroll cycle at a high level
- Documents the bank has already requested
Local context
Add the city when the bank’s practice changes.
Onboarding packs and SAFE handling vary by bank and city after the national FX route is identified.
Open city and province guidesCounsel hand-off
Need banking and FX counsel?
This hub organises payment routes and bank packs. It does not move funds, instruct a bank or replace the tax certificate on your facts.
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