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。
Terms and Conditions 條款及細則
1. Scope of the Programme 本計劃範圍
The Europe Student Remittance Programme (the “Programme”) is offered by Banco Well Link, S.A. (the “Bank”) to individual and joint account holders of the Bank who remit funds in Euro in support of a student studying in Europe.
《歐洲留學生匯款計劃》（下稱「本計劃」）由立橋銀行股份有限公司（下稱「本行」）向本行個人及聯名賬戶持有人提供，適用於為資助於歐洲留學之學生（下稱「學生」）而以歐元進行之匯款。
2. Enrolment 登記
Participation requires submission of a completed Europe Student Remittance Programme Enrolment Form (the “Enrolment Form”) at any branch of the Bank, together with proof of the student’s enrolment and identity as well as any further documents the Bank may require (including but not limited to proof of the relationship between the client and the student). The Bank may accept or decline any enrolment at its discretion.
參加本計劃須於本行任一分行遞交已填妥之《歐洲留學生匯款計劃—登記表》（下稱「《登記表》」），並附上該學生之在學證明、身份證明文件，以及本行要求之其他文件（包括但不限於客戶與學生之關係證明）。本行有權自行決定接受或拒絕任何登記申請。
3. Preferential pricing 優惠收費
Once enrolment is accepted, the Bank’s handling fee for Euro outward remittances by the enrolled customer to the student’s account declared in the Enrolment Form (“eligible remittances”) is MOP 50 per transaction. Where an eligible remittance is made at a branch, the MOP 50 fee is applied at the time of the transaction. Where an eligible remittance is made through mobile banking, the Bank’s prevailing handling fee is charged at the time of the transaction and the difference between that fee and MOP 50 is credited to the customer’s account once in the following calendar month. The preferential fee applies to the Bank’s own handling fee only and not to any exchange rate.
登記獲接納後，已登記客戶就基於《登記表》所申報之學生賬戶而作出之歐元匯出匯款（「合資格匯款」），本行手續費為每筆澳門元50元。於分行辦理之合資格匯款，於交易時收取澳門元50元。透過手機銀行辦理之合資格匯款，於交易時按本行當時適用之手續費收取，該手續費與澳門元50元之差額將於下一個曆月一次性存入客戶賬戶。優惠收費僅適用於本行本身之手續費，不適用於任何匯率。
4. Currency 貨幣
The Programme applies only to outward remittances denominated in Euro.
本計劃僅適用於以歐元為結算幣種之匯出匯款。
5. Destination account 收款賬戶
Remittances must be made to an account held with a bank located in a SEPA country, identified by a valid IBAN and BIC/SWIFT code. Remittances to accounts that cannot be identified by IBAN are not eligible.
匯款須匯至位於單一歐元支付區（「SEPA」）國家境內銀行之銀行賬戶，並須提供有效之國際銀行賬戶號碼（「IBAN」）及銀行識別碼（「BIC／SWIFT」代碼）。無法通過IBAN識別之賬戶，不適用本計劃。
6. Charges option 費用分擔方式
All remittances under the Programme must be processed using the SHA charges option: the customer pays the Bank’s charges and all other charges are borne by the beneficiary. The OUR and BEN options are not available under the Programme.
本計劃項下之所有匯款須以SHA（「共同承擔費用」）方式處理，即客戶承擔本行之費用，其餘一切費用由收款人承擔。本計劃不提供OUR（「匯款人承擔全部費用」）或BEN（「收款人承擔全部費用」）方式。
7. Amount credited 入賬金額
Charges may be deducted by correspondent or intermediary banks. The Bank does not warrant the amount that will ultimately be credited to the beneficiary’s account.
代理行或中間行可能會扣除相關費用。對於最終實際存入收款人賬戶之金額，本行不作任何保證。
8. Exchange rate 匯率
The Programme does not include any preferential foreign exchange rate. Where the remittance is funded from an account denominated in a currency other than Euro, conversion is made at the Bank’s prevailing exchange rate.
本計劃不涉及任何匯率優惠。如匯款資金來源於非歐元賬戶，相關貨幣兌換將按本行當時適用之匯率進行。
9. Combination with other offers 與其他優惠併用
Where the customer holds a Euro Savings Account, benefits available under other Bank promotions apply in addition to the Programme. Where the remittance is funded from a MOP or HKD account, only the Programme’s preferential pricing applies.
如客戶持有歐元儲蓄賬戶，除可享受本計劃優惠外，可同時享受本行其他推廣活動所提供之優惠。如匯款資金來源於澳門元或港元賬戶，則僅可享用本計劃之優惠收費。
10. Channels 渠道
Remittances may be initiated at any branch of the Bank or through the Bank’s mobile banking service. Availability of the Programme through mobile banking is subject to the Bank’s system capability from time to time.
客戶可透過本行任何分行臨櫃或透過本行手機銀行服務辦理匯款。本計劃透過手機銀行渠道服務提供與否，視乎本行系統不時之支持能力而定。
11. Validity and renewal 有效期及續期
Preferential pricing is valid until the expected course end date stated in the Enrolment Form. Thereafter standard pricing applies unless the customer renews the enrolment by submitting current proof of the student’s enrolment and the renewal is accepted by the Bank.
優惠收費有效期至《登記表》所載之預計課程結束日期為止。有效期屆滿後將按本行標準收費計算，除非客戶提交該學生之最新在學證明以辦理本計劃續期，並獲本行接受。
12. Notification 通知
The customer must notify the Bank promptly if the student ceases studies, changes institution or country of study, or if any information given in the Enrolment Form changes.
如該學生中斷學業、轉校或變更留學國家，或《登記表》所載任何資料有所變更，客戶須及時通知本行。
13. Withdrawal of preferential pricing 撤銷優惠收費
The Bank may apply standard pricing to, suspend or withdraw the preferential pricing of any customer where the Bank considers that usage is inconsistent with the purpose of the Programme, or where information provided proves inaccurate or incomplete.
如本行認為客戶使用本計劃之方式與本計劃目的不符，或客戶所提供之資料經證實屬不真實、不準確或不完整，本行有權隨時對該客戶改按標準手續費收費、暫停或撤銷其手續費優惠。
14. Non-transferable 不可轉讓
The preferential pricing is not exchangeable for cash or any other offer and is not transferable.
此手續費優惠不可兌換成現金或其他優惠，亦不可轉讓。
15. Amendment and termination 修改及終止
The Bank reserves the right to amend, verify, suspend or terminate the Programme and these Terms and Conditions at any time without prior notice.
本行保留隨時修改、核實、暫停或終止本計劃及本《條款及細則》之權利，而無須事先通知。
16. Relationship with general terms 與一般條款之關係
These Terms and Conditions supplement, and are to be read together with, the Bank's General Terms and Conditions for Accounts and Services. In the event of inconsistency, these Terms and Conditions prevail in respect of the Programme. Matters not addressed in these Terms and Conditions are governed by the Bank's General Terms and Conditions for Accounts and Services, including the Bank's Privacy and Security Policy.
本《條款及細則》為本行《賬戶及服務一般條款及細則》之補充，並須一併閱讀。如兩者存在不一致之處，就本計劃而言，以本《條款及細則》為準。本《條款及細則》未涉及之事宜，概按《賬戶及服務一般條款及細則》（包括本行隱私與安全政策）之約定執行。
17. Enquiries 查詢
For enquiries, please contact any Bank branch or call our customer service hotline at (853) 8796 5388.
如有任何查詢，請聯絡本行任何分行或致電客戶服務熱線 (853) 8796 5388。
18. Final interpretation 最終解釋權
The Bank reserves the right of final interpretation in respect of the Programme and all related matters.
本行保留對本計劃及一切相關事宜之最終解釋權。
19. Governing law 適用法律
These Terms and Conditions are governed by the laws of the Macau Special Administrative Region and are subject to the non-exclusive jurisdiction of the courts of the Macau SAR.
本《條款及細則》受澳門特別行政區法律管轄，並受澳門特別行政區法院之非專屬管轄。
20. Language 語言
These Terms and Conditions are issued in English and Chinese. In case of any discrepancy or dispute, the Chinese version shall prevail.
本《條款及細則》以中英文訂立。如有任何歧義或爭議，概以中文版本為準。
Glossary of terms used 名詞解釋
SEPA — Single Euro Payments Area: a group of European countries within which Euro transfers follow common rules. The receiving account must be in a SEPA country.
單一歐元支付區：由多個歐洲國家／地區組成之區域，區內歐元轉賬採用統一規則。收款賬戶須位於單一歐元支付區國家。
IBAN — International Bank Account Number: the standard format used to identify a bank account for transfers within SEPA.
國際銀行賬戶號碼：於單一歐元支付區內進行轉賬時，用以識別銀行賬戶之標準格式。
BIC / SWIFT — Bank Identifier Code (also called the SWIFT code): identifies the beneficiary’s bank.
銀行識別碼（亦稱SWIFT代碼）：用以識別收款銀行。
SHA — Shared charges: the customer pays the Bank’s charges, and charges of other banks in the payment chain are borne by the beneficiary.
共同承擔費用：由客戶承擔本行費用，而支付鏈中其他銀行之費用則由收款人承擔。
