Cambodia's currency exchange caused bank cards to be blocked and hard-earned money turned into black money?

Recently, a number of compatriots posted on the Khddan app, claiming that their bank card was inexplicably frozen, and the hard-earned money became "black money", which could only be deposited but not withdrawn.

Mr. Liu (pseudonym) said that when he checked his balance last month and transferred money to the stock market account again, he was told that the agricultural bank card was abnormal and the password was locked.

He was very puzzled, thinking that he had entered the wrong password. Previously, he regularly transferred his wages back to the country through a Cambodian bank, but this year he did so only from January to March.

Knowing that the bank card was frozen, he contacted the bank customer service for a solution. The customer service responded that as long as I go to the bank to unlock it.

Mr. Liu was in Cambodia and was unable to return home for the time being, so he asked his family members to go to the bank with his bank card and ID card to apply for video processing. Unexpectedly, he was rejected by the bank staff and had to be present in person.

In desperation, Mr. Liu also figured out a way to find a trust relationship with a friend who works in the bank. The friend is considered to be the bank’s management, but Mr. Liu’s request was also rejected by his friend. “The reason why the bank card was blocked was due to fraud. Dare to act rashly."

Ms. Sun (a pseudonym) also encountered a similar situation. She ran a hotel in Cambodia. In July last year, she received RMB rent transferred from guests of the hotel. As a result, her two bank cards were frozen and have not been unfrozen.

Called the Public Security Bureau for consultation and asked her to return the money to the "victim." As for who the victim was, Ms. Sun felt baffled.

Different from the above two experiences, although compatriot Mr. Chu (pseudonym) has never used a bank card to exchange currency and the card has not been blocked, he may not be able to remit money back to the country through his personal bank card in the future.

Mr. Chu revealed that he had been sending money back to China through his personal bank card before, and there was no abnormal phenomenon.

A few days ago, he came to the bank to remit money as usual, but was told that he had to open a company in Cambodia to agree to the remittance. Personal remittances only need to have an employee certificate issued by the company, and he can only remit less than 50,000 yuan a year.

If the individual cannot prove the source of the US dollar, he cannot proceed. "I am only doing a small business, not the boss of the company. The money is legal income. I cannot prove where the dollar comes from. I am so worried."

According to his understanding, the Bank of China has stopped China-Cambodia cross-border remittances since last year, and the Industrial and Commercial Bank of China has started to move in recent days. The object of his remittance is a company account. In Cambodia, individuals cannot remit money to a company account, only the company can remit money to the company, and he does not have a company in Cambodia.

Currently, Mr. Chu intends to find out whether small banks in Cambodia can send money normally. I learned that many of my compatriots have frozen their bank cards because they exchanged foreign currency at underground banks, "mainly because they are currently paying close attention to online gambling."

In addition to Mr. Chu, Mr. Mao (pseudonym) also shouted injustice.

On the 26th, he exchanged 7,000 U.S. dollars at a foreign exchange institution in Phnom Penh. Two days later, he continued to use the bank card and found that he could not withdraw the money. He called the bank customer service for consultation. He said that the bank card had been frozen by the police in a certain place. He estimated that it was because the money house switched to "dark money."

Mr. Mao felt very innocent, "I don't understand the source of the money in the bank."

But he did not continue to ask the bank staff and the public security department to follow up, "Because in this general environment, he knows a little bit about the reasons."

In February of this year, he exchanged a sum of money to Alipay, and Alipay was frozen in April, and 70,000 yuan in it has not been received yet.

Nowadays, when you exchange foreign currencies, you will receive a special message reminding you whether the bank card is in a normal state.

Originally, he wanted to go to the bank to exchange currency, but the requirements were too high. He needed to open an account first, and had a series of proofs such as a labor certificate, passport, and so on. Going to an underground bank was greedy and convenient.

Mr. Mao said that the bank had notified the public security organs to withdraw funds normally only after the freeze was lifted. "How easy is this?" In this way, his hard-earned money became "black money."

It is understood that the domestic banks have recently tightened their risk control in Southeast Asia, and foreign exchange agencies have been accused of money laundering. Even if they are engaged in a legitimate career in Cambodia, they are only remitted to domestic family members for daily expenses, bank cards are not immune.

It is worth noting that in the near future, bank cards will be frozen for any exchange through underground banks. Only bank remittance safety insurance is available. However, the high threshold of bank remittances discourages many compatriots.

First, the user has to have two accounts at the bank at the same time, namely RMB and foreign currency. To send money back from abroad, you need to get the international code of the bank card and fill in the relevant information. Generally, the account will be received after two days, and a certain handling fee must be paid. Each bank sets different standards.

At the same time, compared with individuals, remittance in the name of a company is relatively simplified, but most Chinese in Cambodia are ordinary workers.

Therefore, for the sake of convenience, many compatriots do not go through some procedures, and are more willing to go to the bank.

Judging from the current situation, I am afraid that my compatriots have to choose to remit money through the bank. They can't help but lament: Now it is too difficult to find a reliable exchange.