The Foreign Exchange Dealings for Individual Accounts refers to the firm foreign exchange dealings conducted by the individuals through the service personnel behind the counter or through other electronic banking² service methods within the time for dealings set by the Bank.

Dealings can be carried out through the service personnel behind the counter, by telephone and on self-service devices, etc. The three methods each have their advantages

Dealings at the counter can offer the good services which can be felt in a human atmosphere. It is particularly suitable for the investors⁴ who have just begun to be involved in the foreign exchange dealings for the individual accounts.

Dealings by telephone can make prompt transactions and can be done in different places. It is particularly suitable for the white-collar investors who are occupied with their work.

目前可以通过柜面服务人员、电话、自助交易设备等方式进行。三种方式各有优点：

柜面交易，服务周到，并可感受到人气氛围，特别适合初涉外汇交易的投资者。

电话交易，成交迅捷，并可异地操作，特别适合工作繁忙的白领投资者。

自助交易，信息丰富，并提供多种技术分析图表，特别适合对外汇交易有一定经验的投资者。

Dealings can both be made at the current market prices and on agent basis.

A dealing¹ made as per the market price is otherwise called real-time dealing, which is concluded as per the current prices offered by the Bank.

A dealing made on agent basis is otherwise called a dealing as per offered prices, which means an investor³ can leave the order for a dealing to the Bank first, and when the quote the bank offers reaches the level expected by the investor, the computer system of the bank will conclude the business immediately in line with the order of the investor.

既可进行市价交易，又可进行委托交易。

市价交易，又称时价交易，即根据银行当前的报价即时成交。

委托交易，又称挂盘交易，即投资者可以先将交易指令留给银行，当银行报价到达投资者希望成交的汇价水平时，银行电脑系统就立即根据投资者的委托指令成交。

通过电话进行委托交易，是最省时省心的操作方式。

1.Dealings at the counter

The customer with a certain amount of foreign currency deposits should go to the designated branch of the Bank to fill out the relevant forms and documents, and then give them to the tellers⁵ across the counter.

1、柜面交易

Get a current All-In-One passbook⁶ or a debit⁷ card of the Bank and deposit certain amount of foreign currencies.

Make an application at any of the networks of the Bank with the valid⁸ credentials⁹, fill out the relevant application form and sign an agreement and then give them to the tellers across the counter together with the current All-In-One passbook or the debit card.

Insert the six digits¹⁰ password for the account and then the account for dealings by telephone opens.

2、电话交易

办理银行活期一本通或借计卡，存入一定金额的外币。

持有效身份证件，至银行任一网点提出申请，填妥相关申请表并签署协议，与活期一本通或借计卡一起交柜面服务人员。

输入6位数账户密码后，电话交易账户即已开通。

使用电话交易系统的，客户可使用音频电话机，拨通交易电话，输入正确的账号及密码后，即可进行交易。

3、自助交易

办理银行活期一本通及借计卡，存入一定金额的外币。

持有效身份证件，至银行任一网点提出申请，填妥相关申请表并签署协议，与活期一本通或借计卡一起交柜面服务人员

输入6位数账户密码后，自助交易账户即已开通。