汇款和转账的区别
关键词：汇款和转账的区别
在众多的银行业务中，我们经常听说到汇款与转账，很多客户也经常使用这两个业务，不过这两个业务的内容十分相似，大家能不能分清楚它们到底有什么区别呢？
汇款也称为汇付，是付款方通过银行，使用一定的结算工具（票据），将现金款项存入收款方指定账户的结算方式。
转账，是指不直接用现金，而是通过银行将款项从付款账户划转到收款账户完成货币收付的一种银行货币结算方式。
现在我们从几个方面来看看转账和汇款的区别具体在哪里：
| 区别 | 汇款 | 转账 |
| 提供的物件不同 | 现金、收款账号、户名、开户行名称、电汇单、身份证 | 储蓄卡（有存款）、收款账号 |
| 操作方式不同 | 一般只能在银行柜台操作 | 银行柜台、ATM、网银、手机银行、电话银行皆可 |
| 操作时间不同 | 银行营业时间 | 24小时 |
| 到账速度不同 | 1、汇款到本行账户：实时到账 2、汇款至其他银行账户：工作日营业时间到账，正常当日到账 |
1、同城同行：即时到账 2、同行异地：2个工作日内 3、同城跨行：2个工作日内 4、异地跨行：5个工作日内 |
| 手续费不同 | 大部分银行按汇款金额的1%收取，最低不低于1元，最高限额一般不超过50元 | 不同的银行具体标准不同，如工商银行收取转账金额的1%，最低1元，最高50元。招商银行同城收取转账金额0.2%，最低2元，最高50元；异地收取转账金额1%，最低10元，最高25元 |
本文来源： 大田环球贵金属
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