Bagaimana Nak Clearkan Check Luar Negara Dalam Matawang USD

Kalau mereka yang terlibat dalam Google Adsense  dan Affiliate Marketing pasti sudah biasa menerima cek luar negara dengan matawang USD. Bagi Google Adsense, saya gunakan WU.Tapi untuk clickbank, saya memang menerima cek setiap bulan. Proses untuk clearkan check ini memang agak memakan masa selama 1 bulan.

Memang lambat untuk dapat duit. Malah nilai tukaran wang asing diantara USD-RM juga semakin mengecil. Jika dulu dengan USD100, kita boleh mendapat kira kira RM350++ setelah ditolak caj bank. Kini dengan nilai USD100, kita hanya mendapat kira kira RM280++ je selepas tolak caj bank.

Bagaimana Nak Clearkan Cek USD tersebut?

Ok. Anda boleh ke mana mana bank perdagangan yang ada seperti Maybank,CIMB,RHB,PB,Bank Rakyat,Bank Muamalat,Bank Islam dan sebagainya. Kemudian cakap kat kaunter, nak borang untuk masukkan foreign check. Pengawai akan berikan borang untuk anda isikan. Anda perlu ada akaun di bank berkenaan.

Kemudian ambil nombor tunggu ke kaunter. Sediakan juga IC. Sesetengah bank hanya menerima check berkenaan di cawangan anda membuka akaun bank tersebut sahaja. Antaranya ialah CIMB. Penyelesaiannya.Anda perlu buka akaun baru la di cawangan berkenaan.

Boleh ke buka banyak akaun? Sesetengah bank boleh.Antaranya ialah Affin bank dan juga RHB Bank.

Setelah selesai di kaunter. Tunggu la duit tu clear pada bulan depan. Hampir semua bank mengambil masa 30 hari mengikut pengalaman saya.

Bank caj macamana?

Bagi bank caj pula ia berlainan antara bank yang terlibat. Menurut LiewCF di blog beliau:

  • Hong Leong Bank: RM50 + RM10 (courier) + USD75 (Citibank Delaware)
  • MayBank::
    • 0.1% of the cheque amount drawn in RM with minimum of RM25.00 and maximum of RM100.00
  • PublicBank:
    • 0.1% of cheque amount (min: RM20, max: RM100)
    • Postage: RM5
    • Stamp duty: RM0.15
  • HSBC:
    • 0.1% of cheque amount (min: RM10, max: RM100)
    • Stamp duty – RM0.15 per cheque
    • Other charges – below 10k = RM1.15
  • EON Bank: RM10
  • BCB (CIMB):
    • 0.1% charge (min: RM5, max: RM100)
    • Postage: RM5
    • Stamp duty: RM0.15
    • The 0.1% is only applicable if it is above USD 1000.

    Note: You can deposit your check to the home branch only. But, you can mail your check to your BCB account’s home branch for bank-in.

  • RHB:
    • Postage: RM5.00
    • Stamp Duty: RM0.15
    • Commission: 0.1% of your cheque amount (minimum RM 10.00 and maximum RM 100.00)
  • Standard Chartered: 0.01% of cheque amount OR min RM 50.
  • Bank Muamalat: RM5
  • Alliance: ~RM70
  • Southern Bank: RM30 + RM0.15 stamp duty.

Mungkin ketika ini berlaku peningkatan terhadap caj ini. Antaranya ialah RHB.Kenaikannya saya tak pasti kerana kadar tukaran wang asing yang semakin mengecil dan berubah setiap hari.

Nasihat saya, pilih bank yang mempunyai kadar caj yang rendah seperti Bank Muamalat, CIMB,RHB. Antara faktor yang menyebabkan proses clearance ini lambat disebabkan cek ini perlu dihantar kembali ke bank yang berkenaan untuk urusan clearance. Jadi anda boleh tengok ada caj postage dan stamp duti.

Diharap ini membantu anda dalam meng”clear”kan cek luar negara anda.

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