愈加多的人去国外旅游、出差和留学，对于国际业务的需要也愈加高了。为了顾客便捷，银行提供各种外国货币的汇兑服务。因为携带很多现金出游风险较大，银行一般建议顾客购买出访国家货币的旅游支票。假如顾客，譬如留学生，是长期出国并计划在所在国开立银行账户，那样国际汇票或电汇是最便捷的选择。无论哪种选择都需要支付银行手续费。在外汇交易中，手续费事实上已经隐含在汇率中了。买入和卖出外汇汇率有肯定差额是由于银行需要面对货币风险，同时还需投入时间转账、核对并大概收进伪钞
With the great number of people traveling overseas for holiday, business and study, the need for international business services has increased dramatically1. For convenience, banks offer Foreign Exchange services in a wide range of currencies? Because carrying around large amounts of cash while traveling can be dangerous, banks generally recommend that travelers purchase traveler's checks in the currency of the country that they are visiting. If a person is traveling to a foreign country for a long time and plans to set up a bank account in that country, for example a student, then an international draft2 or wire transfer3 may be the best and most convenient option? Whatever the option, the customer will pay a bank fee. In the case of any Foreign Exchange purchase or sale, the fee is actually buried in the exchange rate. The large difference in the buy and sell rates, particularly with cash, is because of the exposure4 of the bank to currency risk, as well as extra time devoted5 to handling and checking cash, and the risk of receiving counterfeit6 notes.
