Europe Student Remittance Programme
歐洲留學生匯款計劃
Terms and Conditions 條款及細則
Introduction · 引言
Euro Remittance to Europe — MOP 50 for students, MOP 88 for everyone.
歐元匯歐洲——學生 50 澳門元，一般客户 88 澳門元。
Well Link Bank's EUR Student Remittance service helps Macau families support a student studying in Europe, with low-cost euro transfers to Portugal and across the SEPA area, delivered through our correspondent banking network in Europe.
立橋銀行「歐元學生匯款」服務，助澳門家庭支持子女於歐洲升學，以低成本將歐元匯往葡萄牙及單一歐元支付區（SEPA）各地，並透過本行於歐洲之代理銀行網絡提供。
Pricing · 收費
MOP 50
per transfer — for enrolled students澳門元 50
每筆——適用於已登記學生
MOP 88
per transfer — for all other customers澳門元 88
每筆——適用於其他所有客戶
The preferential fee applies to the Bank's handling fee only, not to the exchange rate.
優惠僅適用於本行手續費，不適用於匯率。
How it works · 匯款流程
1. Enrol at any Well Link Bank branch — bring proof the student is admitted to or attending a school in Europe (see “What you need”).
1. 於任何立橋銀行分行辦理登記——請帶備學生獲歐洲學校錄取或在讀之證明（見「所需文件」）。
2. Send euros — at a branch or through mobile banking, in EUR to the student’s account.
2. 匯出歐元——親臨分行或透過手機銀行，以歐元匯至學生賬戶。
3. Pay less — MOP 50 per transfer for enrolled students, MOP 88 for everyone else. Charges are SHA; the destination must be a SEPA account with a valid IBAN and BIC/SWIFT.
3. 費用更低——已登記學生每筆 50 澳門元，其他客戶每筆 88 澳門元。採 SHA（共同承擔費用）方式；收款賬戶須為具有效 IBAN 及 BIC／SWIFT 之 SEPA 賬戶。
Through mobile banking, the prevailing fee is charged at the time and the difference is credited to your account the following calendar month.
透過手機銀行辦理時，於交易時按當時適用手續費收取，差額於下一曆月存回賬戶。
What you need · 所需文件
To enrol for the MOP 50 student rate, you will need:
辦理 50 澳門元學生優惠登記，須提供：
Proof that the student is admitted to, or currently attending, a school in Europe.
學生獲歐洲學校錄取或現正就讀之證明。
The student’s identification.
學生之身份證明文件。
The destination account details — IBAN and BIC/SWIFT.
收款賬戶資料——IBAN 及 BIC／SWIFT。
Confirmation of your relationship to the student.
閣下與學生關係之證明。
Bring these to any Well Link Bank branch to enrol. Our staff will complete your enrolment — there is no form to submit online.
請帶同以上文件親臨任何立橋銀行分行辦理登記。登記由本行職員辦理，毋須於網上遞交任何表格。
Frequently asked questions · 常見問題
Q Who qualifies?
Any individual or joint account holder remitting euros to support a student studying in Europe, once enrolled.
誰可參加？
凡為支持學生於歐洲升學而匯出歐元之個人或聯名賬戶持有人，完成登記後即可參加。
Q What documents do I need?
Proof of the student’s admission or attendance at a European school, the student’s ID, the destination IBAN and BIC/SWIFT, and confirmation of your relationship to the student.
需要哪些文件？
學生獲歐洲學校錄取或在讀之證明、學生身份證明、收款賬戶之 IBAN 及 BIC／SWIFT，以及閣下與學生關係之證明。
Q Can I send from the mobile app?
Yes. At a branch the fee applies at the time of the transfer. Through mobile banking, the prevailing fee is charged and the difference is credited to your account the following calendar month.
可透過手機應用匯款嗎？
可以。於分行辦理時即時收取有關費用；透過手機銀行辦理則按當時適用手續費收取，差額於下一曆月存回賬戶。
Q Which destinations qualify?
Accounts in a SEPA country identified by a valid IBAN and BIC/SWIFT. Accounts that cannot be identified by IBAN are not eligible.
哪些收款地符合資格？
位於 SEPA 國家並可憑有效 IBAN 及 BIC／SWIFT 識別之賬戶。無法以 IBAN 識別之賬戶不符合資格。
Q Is the exchange rate discounted?
The student remittance programme applies to the Bank’s handling fee only — it does not include a preferential exchange rate. Charges are SHA, and correspondent or intermediary banks may deduct their own charges, so the final amount credited cannot be guaranteed. Separately, if you open a new Euro Savings Account, a current promotion offers a preferential exchange rate on MOP/HKD-to-EUR conversions — see “Good to know” below.
匯率有優惠嗎？
學生匯款計劃之優惠僅適用於本行手續費，並不包括匯率優惠。費用以 SHA 方式處理，代理行或中間行可能扣除其費用，故本行不保證最終入賬金額。此外，如您開立全新歐元儲蓄賬戶，本行現行推廣可就澳門元／港元兌換歐元提供優惠匯率——見下方「溫馨提示」。
Q How long does the student rate last?
Until the course end date you provide at enrolment, and it can be renewed with current proof of the student’s enrolment. This is promotional pricing — the Bank may amend, suspend or withdraw it at any time without prior notice.
學生優惠維持多久？
至閣下登記時提供之課程結束日期為止，並可憑學生最新在學證明續期。此為推廣性質收費，本行可隨時修改、暫停或撤銷，而無須事先通知。
Good to know · 溫馨提示
Open a new Euro Savings Account and enjoy a preferential exchange rate — save 0.80% (80 bps) off the standard spot rate on MOP/HKD-to-EUR conversions at branch counters. This is part of our current EUR Savings Account promotion (further benefits apply). Available until 31 December 2026, or while promotional quotas last. Separate terms apply; ask at any branch.
開立全新歐元儲蓄賬戶，即可享優惠匯率——於分行櫃檯將澳門元／港元兌換歐元時，可獲較標準即期匯率 0.80%（80 個基點）之優惠。此為本行現行歐元儲蓄賬戶推廣之一環（另有其他優惠）。優惠期至 2026 年 12 月 31 日，或至推廣名額用完為止。須受個別條款約束；詳情請向任何分行查詢。
Disclaimer & full terms · 免責聲明及完整條款
Receiving banks outside Macau are not authorised to carry on banking activity in the Macau SAR, and their products and services are not supervised by the Macau authorities. The remittance service described is provided by Well Link Bank in Macau. This is promotional pricing; the Bank may amend, suspend or withdraw it at any time without prior notice. Full Terms & Conditions apply — [link to full T&C]. Enquiries: (853) 8796 5388.
澳門以外之收款銀行未獲授權於澳門特別行政區經營銀行業務，其產品及服務亦不受澳門當局監管。本頁所述之匯款服務由立橋銀行於澳門提供。此為推廣性質收費，本行可隨時修改、暫停或撤銷，而無須事先通知。完整《條款及細則》請參閱〔完整條款連結〕。查詢：(853) 8796 5388。
