怎么买美元现钞（建行）

在当今全球化的经济环境中，了解如何购买美元现钞是一项实用的技能。特别是对于有出国旅行、留学或投资需求的人来说，掌握正确的购买方式至关重要。如果您选择通过中国建设银行来购买美元现钞，以下是一些关键的步骤和要点。

首先，您需要准备好相关的证件，如身份证、银行卡等。前往建设银行的营业网点，向工作人员表明您的购汇需求。

建设银行对于美元现钞的购买有一定的规定和限制。根据相关政策，每人每年购买外汇的限额是 5 万美元等值外币。

在办理购汇业务时，您需要填写相关的购汇申请表格，如实填写购汇用途等信息。银行会根据您提供的信息和相关规定进行审核。

另外，需要注意的是，在境内，每卡每日取现累计金额不超过 2000 元人民币（溢缴款网点支取除外）；在境外，普通卡每日取现累计金额不超过 500 美元、金卡不超过 1000 美元，每月不超过 5000 美元。

如果是美元溢缴款需要取出，目前只能致电 800 申请，以汇款方式将美元溢缴款汇入建行同一户主的美元账户。

在境内取现，您可以通过 ATM 取现，在建设银行 ATM 或贴有银联受理标识的他行 ATM 上，凭卡片和密码提取人民币现金；也可以在柜台取现，在建设银行各网点柜台，凭卡片和密码联机交易，或出示证件和信用卡办理授权提取人民币现金。

在境外取现，通过 ATM 取现，在贴有 VISA、或 MasterCard 标识的 ATM，凭双币信用卡和密码提取当地货币；在贴有银联卡标识的 ATM，凭信用卡和密码支取当地货币。柜台取现则是在有 VISA、MasterCard 标识的银行柜台，凭双币信用卡以及护照等有效身份证件提取当地货币。

总之，通过建设银行购买美元现钞需要遵循相关规定和流程，准备好必要的证件和资料，并根据自身需求合理安排购汇和取现金额。

How to Buy US Dollar Cash at China Construction Bank

In today's global economic environment, knowing how to buy US dollar cash is a practical skill. Especially for those who have the need to travel abroad, study abroad, or invest, mastering the correct way to purchase is crucial. If you choose to buy US dollar cash through China Construction Bank, here are some key steps and points.

Firstly, you need to prepare the relevant documents, such as your ID card, bank card, etc. Go to the business outlet of China Construction Bank and indicate your demand for foreign exchange purchase to the staff.

China Construction Bank has certain regulations and restrictions on the purchase of US dollar cash. According to relevant policies, the limit for each person to purchase foreign exchange per year is 50,000 US dollars in equivalent foreign currency.

When handling the foreign exchange purchase business, you need to fill out the relevant foreign exchange purchase application form and truthfully fill in information such as the purpose of foreign exchange purchase. The bank will review based on the information you provide and relevant regulations.

Also, it should be noted that within the country, the cumulative amount of cash withdrawal per card per day does not exceed 2,000 yuan (except for withdrawal of excess funds at the branch); abroad, for ordinary cards, the cumulative amount of daily cash withdrawal does not exceed 500 US dollars, and for gold cards, it does not exceed 1,000 US dollars, and does not exceed 5,000 US dollars per month.

If it is necessary to withdraw the excess funds in US dollars, currently, you can only apply by calling 800 and have the excess funds in US dollars remitted to the same account holder's US dollar account at China Construction Bank through remittance.

For domestic cash withdrawal, you can withdraw cash through an ATM. At an ATM of China Construction Bank or other ATMs with UnionPay acceptance logos, you can withdraw RMB cash with your card and password. You can also withdraw cash at the counter. At the counter of each branch of China Construction Bank, you can conduct online transactions with your card and password, or present your documents and credit card to handle the authorized withdrawal of RMB cash.

For overseas cash withdrawal, through an ATM, at ATMs with VISA or MasterCard logos, you can withdraw local currency with your dual-currency credit card and password; at ATMs with UnionPay logos, you can withdraw local currency with your credit card and password. For counter cash withdrawal, at the bank counter with VISA and MasterCard logos, you can withdraw local currency with your dual-currency credit card and valid identification documents such as your passport.

In conclusion, purchasing US dollar cash through China Construction Bank requires following relevant regulations and procedures, preparing necessary documents and materials, and arranging the amount of foreign exchange purchase and cash withdrawal reasonably according to your own needs.