嘉信理财Schwab所有相关问题集合
2017-8-1|2024-5-10
ajeef火麒麟
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这里写一些嘉信理财的碎片记录:
📝 买卖美股,注册好账户第一件事情永远是填写W-8BEN表格(即外国人投资股票免税表)
不填会怎么样,这里实例卖出一只股票,被自动预交税74.22,虽然后来填写W-8BEN表格,联系嘉信理财客服会自动退回。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F48c56516-ad8d-45c4-815d-a2ae74cdd8af%2F2023-12-29_161030.png?table=block&id=bd6ac011-9905-40bf-8aa6-672118d87ebb&t=bd6ac011-9905-40bf-8aa6-672118d87ebb)
每个券商提供W-8BEN表格填写方式都不同,有些是在线,有些是邮件,有些是平邮,都看清要求
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F0ac1a02f-b68e-4a39-82e7-2bb5a1d365d4%2F2023-12-29_161714.png?table=block&id=69c80bab-20a9-4604-86b0-26f3168093c4&t=69c80bab-20a9-4604-86b0-26f3168093c4)
自己的wise美国USD本地(非美元国际号,注意ACH绑定指的就是wise美元账户中的本地号)账户号,不能在嘉兴理财官网上绑定,提示错误了怎么办?
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F22b2cb62-aa02-47a9-9fec-d434b4ed50db%2F2024-05-09_160831.jpg?table=block&id=7ec033e5-f6c7-42da-bc2a-2ad210b97036&t=7ec033e5-f6c7-42da-bc2a-2ad210b97036)
右上角点客服-联络我们
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2Fff23831d-5554-4592-9847-01ffeb72ef40%2F2024-05-10_143504.jpg?table=block&id=5adabbee-0b04-448f-8126-ef2a8fd9b0e7&t=5adabbee-0b04-448f-8126-ef2a8fd9b0e7)
在联系我们页面,往下拉,到底部,选择“上传文件”
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F0cf181cf-1787-4117-99ce-85695e595b5e%2F2024-05-10_143715.jpg?table=block&id=a85f076b-39f1-42d7-97b5-0ba523a2993d&t=a85f076b-39f1-42d7-97b5-0ba523a2993d)
这一步可以跳过,因为最终客服还是给你一个表格,让你填写后再上传,他们帮你绑定(表格下面我已经给出了,你们下载填写就行)如果你一定要自己问,就复制下面的文本提交就行了。
Hello,
I encountered a problem. I tried "fund transfer"-"external account"-and entered the correct account. I agreed to the agreement, but I still prompted: this function is temporarily unavailable. I heard from a friend that there is something wrong with this function page and it needs to be filled out manually. Please help me solve this problem. Thank you
先下载任意一份你自己的对账单,如果你忘记了你嘉信理财账户名显示方式和账户号,对账单里的是最正确的,也是表格提示推荐的,图中红框里的随便下载一个都有
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2Fbe755e81-2b25-4793-b1a9-23f9702b6fce%2F2024-05-10_141002.jpg?table=block&id=f31c0607-4d6d-4ae0-92c4-4150d732fdf4&t=f31c0607-4d6d-4ae0-92c4-4150d732fdf4)
将其中的账户名和账户号复制
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F8d7c92dd-c8aa-493e-9e49-93afa652d1b1%2F2024-05-10_141217.jpg?table=block&id=1adbcb7f-4259-41bf-a50f-a98e623903da&t=1adbcb7f-4259-41bf-a50f-a98e623903da)
顺便打开wise,将该复制的,都提前复制好。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F4dcec9ed-8b5e-4994-b1f7-1326a6a5a26d%2F2024-05-10_142750.jpg?table=block&id=3f256c53-eee2-4137-8c68-9a0e22c924b1&t=3f256c53-eee2-4137-8c68-9a0e22c924b1)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F2b12c3b6-ef08-4469-bc13-c2dadb25b8a6%2F2024-05-10_142952.jpg?table=block&id=dc79abbb-c465-47fa-9252-3e8251a4797a&t=dc79abbb-c465-47fa-9252-3e8251a4797a)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F4f32f845-a823-400e-8049-51e3100b81c4%2F2024-05-10_143127.jpg?table=block&id=aecc343e-7231-4eee-a0e7-13f6060c326e&t=aecc343e-7231-4eee-a0e7-13f6060c326e)
打开客服给你的表格,其实都是同一个模板,你填好再上传即可,将刚刚上面复制的内容,依次粘贴进下面就行了。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F6f366c6d-b72a-4000-aae0-0f6659d1163a%2F2024-05-10_141946.jpg?table=block&id=818b1d28-7b8b-4a04-9fdc-001c9bb64827&t=818b1d28-7b8b-4a04-9fdc-001c9bb64827)
记得4页都打印机打出来,签好名和日期就行了,检查一遍没问题,就拍照4页,保存成JPG或者PDF,保存在电脑上。
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F82acb68f-2207-4d47-9b94-a3416ea792ea%2F2024-05-10_151650.jpg?table=block&id=4cd6155e-5e02-4a4e-b3b6-2d3f2611ecb6&t=4cd6155e-5e02-4a4e-b3b6-2d3f2611ecb6)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2F29d9ff0c-d515-44da-9d3b-0e3edae9a2de%2F00c74ac1-3f6a-4038-9452-3ce1c3a2d46e%2F2024-05-10_150133.jpg?table=block&id=2b0dd105-c523-48af-8541-b3a855226aaf&t=2b0dd105-c523-48af-8541-b3a855226aaf)
大部分人用这个嘉兴理财的ach绑定功能,是在美国赚的钱想回国内用,这是“普通人”相对低成本的线路
嘉兴理财—-ACH方式—-免费转入wise美元账户无费用——再wise小额手续费转回支付宝(一个账户单笔最大5万RMB)、微信(一个账户单笔最大5万RMB)、 银行卡(一个账户单笔最大1.8万RMB)=全程只有wise回支付宝、微信、银行卡这一步收费,但是记住,嘉信理财也有风控,你当月转的频繁,建议买点美股-碎股就行了,有交易订单,保持当月活跃交易记录就行,别什么股票和ETF都不买,就只转账,那你的嘉信账户马上就会收到警告邮件,警告过后,你还不买点,就关户通知了….碎股交易没多少钱随意的,而且嘉兴买美国境内股票不要佣金。
目前TG网友们测试下来,最正确不会被风控的方式是:假如你嘉信理财里有10万美元,想转8万美元,你当月最好只转9000美元ACH回wise,剩下的7万1000元,留给下个月转也是9000依此类推,并在当月买20美元的碎股交易(当天买当天卖都可以,但不推荐,建议三天后再卖)
当然其它券商,有ACH功能的也可以,但是目前嘉信理财没有明确的金额限制和取现费用,例如:盈透证券,只有当月第一笔取现是不收费的,超过第一笔都是收费的。
🤗 未完待续…
嘉信理财的神级借记卡在2023年8月已经不向中国大陆和台湾开放了,车门已焊死,吴孟达表情:我还没上车呢~,已经申请的官方会继续5年更新补发一次,继续维护。