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對私業務常見問題

1. 我可以在建行紐西蘭開設個人銀行賬戶嗎？

您可以在建行紐西蘭開設用於（含國際）匯款的個人銀行賬戶。請注意建行紐西蘭個人銀行賬戶不發放銀行卡，所以可能不滿足您的日常理財目的。

2. 我如何開立一個建行紐西蘭的個人銀行賬戶？

請聯繫建行紐西蘭的客戶經理，您會得到關於開戶流程的指引。 所需資料通常為：

地址證明：

IRD稅號和稅率：

需要完成的表格：

3. 我可以使用建設銀行的銀行卡在建行紐西蘭進行提款嗎？

目前建行紐西蘭沒有面向公眾的營業櫃面，也不提供ATM服務。

4. 我拾到一張建設銀行的卡片，想將其歸還持卡人？

如果該卡片為建設銀行發出，請致電卡片反面的電話獲取進一步的指引。

5. 我與建行紐西蘭簽有住房貸款，我如何變更地址或其他資訊？

請聯繫您的客戶經理，如果您無法聯繫到客戶經理，請電郵至info@nz.ccb.com。

6. 我可以通過建行紐西蘭向中國轉款嗎？

只有當前建行紐西蘭的客戶可以通過建行紐西蘭向一個賬戶銀行賬戶轉款。請聯繫請聯繫您的客戶經理，如果您無法聯繫到客戶經理，請電郵至info@nz.ccb.com。

7. 我如何從中國的建設銀行賬戶向建行紐西蘭的賬戶轉款？

只有當前建行紐西蘭的客戶可以從中國的建設銀行賬戶向建行紐西蘭的賬戶轉款。 向建行紐西蘭（建設銀行紐西蘭有限公司）轉款的SWIFT代碼是PCBCNZ22

請訪問中國境內的建設銀行網點或使用線上銀行發起跨境（國際）電匯。

建行紐西蘭（建設銀行紐西蘭有限公司）客戶匯款標準結算指引

8. 我如何從中國的建設銀行賬戶向某家紐西蘭的銀行的賬戶轉款？

  1. 1. 聯繫收款人或收款行獲取跨境電匯收款資訊。
  2. 2. 直接向收款人或收款銀行發起跨境（國際電匯）交易，或
  3. 3. 通過中國境內的建設銀行網點或線上銀行發起轉賬。

9. 我如何從某家紐西蘭銀行向建行紐西蘭的賬戶轉紐西蘭元？

向建行紐西蘭（建設銀行紐西蘭有限公司）轉款的SWIFT代碼是PCBCNZ22

  1. 1. 請下載《紐西蘭元轉賬SSI表格》並遵循指南。
  2. 2. 在您的紐西蘭銀行的線上系統中發起轉賬。
  3. 3. 遵照《紐西蘭元線上轉賬SSI指引》完成您的線上轉賬。

向建行紐西蘭分行轉款的SWIFT代碼是PCBCNZ2A

  1. 1. 請下載《紐西蘭元轉賬SSI表格》並遵循指南。
  2. 2. 在您的紐西蘭銀行的線上系統中發起轉賬。
  3. 3. 遵照《紐西蘭元線上轉賬SSI指引》完成您的線上轉賬。

10. 我如何從紐西蘭向中國或其他國家的賬戶轉款？

  1. • 如果您使用線上銀行，請登錄您的網銀賬戶並通過該系統提交國際匯款。
  2. • 如果您沒有線上銀行，請下載《國際電匯申請表》:
  3. 《紐西蘭子行》、《紐西蘭分行》

請在列印前填寫申請表（手寫字跡不清晰可能會導致錯誤） 完成申請表後請簽字。將完成的表格同時發給您的客戶經理和地址operation@nz.ccb.com。 請不要多次發送您的請求，可能會造成重復匯款。 我們可能會聯繫您核實您的身份和匯款請求的真實性。 如需幫助，請聯繫您的客戶經理，或致電熱點09 3388200，電郵info@nz.ccb.com

11. 如果我使用紐西蘭的ATM從建設銀行銀行卡中提取現金，會被收費多少？

關於跨境AMT的收費標準，請諮詢您的發卡分行。 一般而言，收費金額包含您的銀行和當地銀行的管理費用。同時當地銀行也會發佈外匯牌價。

12. 我試過從紐西蘭的ATM上提取現金但交易失敗了，為什麼？

通常紐西蘭的每個ATM會説明它支援的卡片類型。我們推薦您聯繫您的建行發卡分行諮詢卡片的跨境使用資訊。

13. 我使用建設銀行銀行卡提款時，被ATM吞卡了。我該怎麼辦？

您需要通過24小時熱線聯繫您建行發卡分行，挂失該卡。 建行紐西蘭不能幫助重新發放或更新該卡。

14. 我可以在建行紐西蘭做貨幣兌換嗎？匯率是多少？

只有建行紐西蘭現有客戶可以通過建行紐西蘭銀行賬戶兌換貨幣。請聯繫您的客戶經理，如果無法聯繫到客戶經理，請電郵至info@nz.ccb.com

Customer Information – Hardship, Financial Mentoring and Complaints

Are you suffering from an unforeseen hardship?

If you are suffering from a hardship (illness, injury, loss of employment, the end of a relationship, or other event) and this is affecting your ability to make payments, please get in touch with CCBNZ as soon as possible so we can look at other ways to help. You may be able to apply for hardship and postpone your payments or reduce your required payments for a period of time.

You need to apply to us in writing and explain why you cannot meet your obligations under the Loan Agreement. You must also explain what changes to the Loan Agreement will help you meet your obligations. For example, extending the term of your loan and reducing the amount of each instalment and/or postponing your payments for a period of time or both of those things together.

In order to assess your application, we will need information from about the hardship, expected duration and your financial position. We have a hardship application form that sets out the types of information we need, which is available on our website here: http://nz.ccb.com/newzealand/en/indexv3.html

One way to make the application is contact us in writing at P.O.Box 305, Shortland Street, Auckland 1140, New Zealand by post to [Attention: Risk Manager], Level 29, Vero Centre 48 Shortland Street, Auckland 1010

If you are experiencing hardship, please contact us as soon as possible. In some circumstances you may lose the right to make a hardship application.

Financial Mentoring and Advice Services

If you are concerned about your financial position, please talk to us.

You can get free and independent budgeting advice from organisations such as FinCap or by calling MoneyTalks on 0800 345 123 or email help@moneytalks.co.nz or get free consumer advice from the Citizen Advice Bureau on 0800 367 222.

If you wish to obtain legal advice there are organisations that provide free information and legal advice such as a local Citizen’s Advice Bureau or Community Legal Centre.

Complaints

CCBNZ is registered as a financial service provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 and our registration number is FSP384546

If you have a complaint or a dispute, we recommend that you contact us and discuss it with us first. We may be able to help you. Please contact us by telephone on 09 338 8297 or send your written complaint to: CCBNZ Complaints Department, PO Box 305,Shortland Street, Auckland 1140, Email: complaints@nz.ccb.com

On receipt of your complaint, we will contact you within two (2) working days to acknowledge receipt of the complaint. We aim to respond the complaint within five (5) days if it cannot be resolved immediately. If we need more time to investigation or consider your complaint, we will contact you and let you know when you can expect our response.

If you remain dissatisfied with our response, you are entitled to pursue your complaint with our dispute resolution service which is the Banking Ombudsman.

Banking Ombudsman

Freephone: 0800 805 950

Website: https://bankomb.org.nz

Business address: Level 5, Huddart Parker Building, 1 Post Office Square, Wellington 6011

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