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中国银行手机银行购汇指南(2026最新版)- 个人年度便利化额度：每人每年等值5万美元（当年有效，不结转）- 用途仅限：旅游、留学、探亲、商务、就医等经常项目1.打开中行APP登录→ 搜索结汇购汇 ，或者点击更多→ 选择购汇- 钞汇类型：现汇（用于跨境汇款）；现钞（支取现金）4.确认汇率与金额 → 输入交易密码/手机盾 → 提交- 柜员核验额度、确认牌价 → 支付人民币 → 签字确认- 购汇后可：汇出境外、存入外汇账户、支取现钞（当日取现≤1万美元）- 手机银行购汇实时到账、无额外手续费，仅按银行牌价兑换行牌价兑换
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