---
title: "银行手续费怎么那么高？？？"
description: "最近几笔订单的银行手续费高得离谱，客户付30%定金，到账时少了好几百美金，中间行扣费跟打劫一样！这费用到底是怎么产生的？有没有什么办法能降低？"
url: "https://www.sh-zhongshen.com/qa/bank-service-fees.html"
language: "zh"
type: "Q&A"
category: "其他问题"
datePublished: "2026-02-28"
dateModified: "2026-02-28"
brand: "中申国贸"
answerCount: 3
---

# 银行手续费怎么那么高？？？

## 问题

 最近几笔订单的银行手续费高得离谱，客户付30%定金，到账时少了好几百美金，中间行扣费跟打劫一样！这费用到底是怎么产生的？有没有什么办法能降低？ 

## 回答
                            
### 回答 1 — 最佳答案

您遇到的银行手续费问题，主要源于跨境支付的三重扣费机制。发起行、中间行和收款行都会收费，特别是经过1-3家中间行时，每家扣15-30美元很正常。建议您优先选择人民币跨境直汇（CIPS系统），能避开美元中间行。如果必须用美元，要求客户选择“OUR”费用承担方式，虽然 upfront cost 高些，但能锁定到账金额。另外，务必检查合同是否明确手续费分担条款，避免默认SHA模式导致双方都不确定成本。

**status:** accepted
**Author:** Grace Wang
**Date:** 2026-02-28

### 回答 2

您这情况，问题多半出在支付路径选择上。让客户别图便宜选小银行，大银行如汇丰、花旗的中转行网络更优化，费用反而更低。金额小于5万美元时，考虑用第三方支付平台或香港离岸账户中转，手续费能压到0。5%以内。如果是信用证，修改一次就是几百美金，所以条款要一次确认到位。记住，到账时效和费用成反比，48小时到账的服务费肯定比一周到账的高，您得权衡时效和成本。

**status:** suggested
**Author:** Evelyn Li
**Date:** 2026-02-28

### 回答 3

跟客户谈费用分担，您千万别直接抱怨“手续费太高”，换成“为了优化支付流程，建议我们共同选择成本更低的支付方式”显得专业。合同里务必写清楚“All banking charges outside China are for buyer”s account“，把海外费用推出去。如果客户坚持SHA模式，您就在报价时预留0。3%的费用缓冲。对老客户，可以提议”这次我们各承担一半，下次订单您那边承担“，用让步换取长期合作。

**status:** suggested
**Author:** Jason Wu
**Date:** 2026-02-28

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