汇款避坑指南：美国对非电子境外汇款1%征税

Core Viewpoint - The new 1% tax on non-electronic remittances will be implemented by the U.S. Treasury and IRS starting January 1, 2026, impacting various cross-border remittance scenarios, particularly for the Chinese community in the U.S. [1] Group 1: Tax Policy Overview - The new tax policy applies uniformly to all cross-border remittance groups, including U.S. citizens, green card holders, and temporary visa holders, ensuring equal treatment [3] - A unified tax rate of 1% is established without a minimum threshold, meaning even small non-electronic remittances will incur tax [3] Group 2: Taxation and Exemption Clarification - The policy clearly defines the boundaries of taxation and exemptions, with the payment method being the core criterion for assessment [4] - Non-electronic payment methods subject to the tax include cash, money orders, and bank drafts, meaning users opting for these methods will incur a 1% tax cost [4] Group 3: Compliance and Cost-Saving Strategies - Transitioning to electronic remittance channels is the primary strategy to avoid the tax, with recommendations to use local bank wire transfers, debit/credit card payments, or compliant electronic platforms like Panda Remit [5] - It is essential to retain transaction receipts and tax payment records for future reconciliation and as evidence in case of disputes [5] - Users should be cautious of potential hidden fee increases from non-electronic remittance service providers post-implementation of the new tax [5] - Splitting small remittances will not save costs due to the absence of a minimum threshold, leading to multiple 1% tax payments and increased operational complexity [5]