韓國打工渡假

韓國旅遊│台灣提款卡在韓國領錢實記(出國旅遊、打工度假、不用帶大把鈔票也能輕鬆領韓幣!)

 

這次來教大家怎麼在韓國利用台灣的金融卡來領韓幣,因為像我打算在韓國待一段時間,所以之前很煩惱要怎麼帶大筆生活金來,很怕錢匯調或是突然不夠有急用之類的!所以其實非常擔心錢的問題,除了以前有跟大家說過,可以利用「美金旅行支票」來領韓幣以減少掉錢的危險之外,現在再介紹一個已經很成熟很通用的領錢方法~那就是「用台灣的金融卡直接在韓國的ATM領錢」,非常方便,又不用怕突然不夠錢或是被偷!而且其實匯率真的沒有差很多,所以很推薦大家來使用這種方式領錢哦!
>美金旅行支票免手續費兌換法

 

我本人是利用國泰世華的VISA金融卡來領錢,也有先在台灣跟行員確認過有開啟「海外提款功能」並設定好四位數字的密碼了!所以大家想使用這個方式領款的人,記得去銀行設定哦!

 

在韓國這裡,我有用過國泰世華的VISA金融卡「國民銀行국민은행、新韓銀行신한은행、花旗銀行」領過錢,都是正常可以領錢的~唯獨我最愛的友利銀行우리은행我領不出來,給大家參考!而且想要在韓國或其他國外的ATM領錢,一定要注意!要有下圖這個跨國提款標誌才能領錢哦!一般的ATM是沒有國際提款功能的哦!

 

<國泰世華的VISA金融卡>規定
跨國提款手續費:提領國外當地貨幣手續費為每筆新臺幣100元,另加收網路使用費(提領金額之1.1%)。餘額查詢及其他異常交易(即非可歸咎於國際卡片組織及本行之失敗交易):每筆新臺幣20元。

上面是從國泰世華銀行查到的資訊,我實際海外領款的經驗上只有被收到100元手續費,並沒有看到他另外加收的1.1%~也有可能以後會被收? 不過目前是沒有就是了!也有人推薦過用花旗金融卡,在帳戶平均有存到25萬台幣,則可以免海外手續費~我個人是沒有錢也懶得換銀行,所以就一直用國泰下去了XD

 

另外要注意,韓國銀行旁附屬的ATM是有營業時間限制的,不是24小時的哦!而且每一家分行的時間都有點不一樣,所以有需要領錢的人,最好不要太晚去領錢,避免被關在門外XD

 

接下來就帶大家實際操作囉!我最常來國民銀行국민은행領錢,因為有中文操作而且櫃點又多,所以非常方便,首先把卡插進去後,都一定會出現這個畫面問你ATM的卡片出入口是否有奇怪的東西卡住之類的,通常就是按右邊綠色繼續~

 

再來就是進入卡片的操作項目,選擇「Other Languages(Global Service)」

 

選擇「中國語」

 

選擇「外國媒體(中國語)」,因為我們是國外發行的卡片,所以要選國外~

 

選擇「取款」

  

 

選擇「70萬或其他」,因為國泰世華銀行有規定,每次跨國提款只能領取2萬台幣以下的對等現鈔金額,正常來說,70萬韓元換算匯率大約是34~35左右,因為最近匯率比較好,所以我就按其他

  

 

輸入「需要的金額」

 

我是輸入73萬韓元試試看(因為我用國泰的卡所以他並不會先顯示目前的匯率,算是相當可惜的一點,所以到目前為止,金額只是根據目前的經驗匯率來粗估要領多少錢)

 

選擇「要領幾張五萬韓幣面額的鈔票」

 

最後金額確認沒問題的話,就點選「確認」

 

輸入「四位數字密碼」,基本上是當初設定的磁條密碼

 

密碼輸入完畢後,就會跑出這個連結畫面,這個畫面跑完後才能知道拿不拿的到錢喔~

 

如果出現下面這個畫面,就代表我剛剛選的金額(包含手續費),超過2萬台幣,所以無法把錢領出來,簡單說就是領太多韓元囉!要把數字往下降一點~

 

所以後我來我就又重新操作了二次,直到71萬韓元他才讓我領出來><

 

如果看到這個畫面,就代表韓元要出來啦!

 

記得要先把卡片和收據收好,才能領現鈔哦!

 

收據上面也沒有顯示任何匯率資訊,不過收據可以留著,因為我有申請網路銀行,所以到時候就可以線上看被收了多少錢,進而推算匯率囉!

 

再來就是白花花的韓幣出來囉~

 

再回去我的國泰線上網銀一看,國際提款的金額是「20,000台幣」、跨國費用(手續費)是「100台幣」,而我之前是領出「71萬韓元」,所以「(710,000/20,100)=35.32」所以這次的匯率就是「35.32」

 

我找了一下3/14當天背包客棧網友回報的內容是:明洞一品香是35.6!而我用VISA金融卡的匯率是35.2,所以我個人是覺得沒有差太多,而且需要再領就可以,既方便又安全,給大家參考看看囉^__^

韓國旅遊│台灣提款卡在韓國領錢實記(出國旅遊、打工度假、不用帶大把鈔票也能輕鬆領韓幣!)

 

另外想知道自己住宿附近有沒有Global 功能的ATM的話,可以利用下面的網址查詢哦!(只限韓文),再輸入欄裡輸入韓文地址後,然後拉地圖遠近就可以知道自己住的附近有沒有國民銀行,然後那間國民銀行能不能用國外的卡哦!塗上紅圈圈處寫「가능」就是可以哦!如果寫「불가능」就是沒有這個服務哦!

>國民銀行分行查詢

 

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  • 訪客
    2016-07-14 at 10:01:25

    最近在找這方面的資訊,這篇寫得很詳細,感謝分享!

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