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mrleeidea.com - Engineers who strive to achieve the goal

안녕하세요. 오늘은 투자로 번 외화(달러)를 미국직구시 사용할 수 없을까? 라는 주제로 말씀을 드려보려고 합니다. 요즘 많은 분들이 국내/ 국외 증시에 많은 투자를 하고 계신데요. 국외투자이후 남은 외화에 대해 어떻게 하실지 고민이 많으실 겁니다. 국외투자의 경우 한화를 환전하여 외국주식을 구입하고 팔때 외화로 다시 증권계좌에 돌아오기 때문에 다시금 환전하지 않으면 국내에서 돈을 쓰실 수가 없는데요. (증권사 환전 수수료가 어마어마합니다. 개인적인 의견입니다만, 수수료는 공항보다... 비싼느낌...) 제가 오늘 증권계좌로 들어온 달러를 직구시 바로 쓰실 수 있는 방법을 알려드리겠습니다. 우선 저는 NH나무 를 쓰기 때문에 나무를 기준으로 말씀드리겠습니다. 외화(USD) 계좌 만들기 우리은행 모바일 앱으로 접근하신뒤 '우리 외화바로예금' 계좌를 비대면으로 개설합니다. 2. 외화(USD) 계좌 연동 체크카드 생성 [우리] FC EXPRESS 체크 를 만듭니다. 아래 주소를 참고해서 개설하시면 됩니다. 카드발급 신청 후 빠르면 3일이내 됩니다. (저같은 경우 금요일에 신청하고 월요일에 받았습니다.) https://www.bccard.com/app/card/CheckCardMain.do?gdsno=1000027141 3. MTS 메뉴 에서 약정으로 검색하신뒤 '은행이체약정 서비스' 가입 4. 약정신청이 완료되시면 약정조회에서 확인이 가능하십니다. 5. 증권계좌에 있는 외화(USD) 를 우리은행 외화계좌로 이체합니다. MTS메뉴에서 이체로 검색 후 '외화이체' 선택 6. 해외 구매처에서 발급받은 'FC EXPRESS 체크'를 이용해 구매 해 봅시다. 저는 알리익스프레스에서 아래처럼 사용해 보았습니다. 한가지 기존 결제와 차이점은 국내체크카드처럼 돈이 순식간에 빠져나가지 않습니다. 아마도 이건 해외 구매처이다보니 신용카드 매출이 카드사로 매입되고 승인되기까지 시간이 걸리는 것으로 보입니다. 오늘 글은 여기까지 입니다. 궁금하신점 있으면 댓글 남겨주세요.
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