国内银行是否会因“异常活动”而标记离岸转账？
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开始将部分资金转移到离岸账户以实现多元化和获得更好的利率，但我的主要国内银行将最近几次大额转账标记为“异常活动”，甚至扣留了一笔 24 小时。在电话沟通后，他们最终还是放行了，但这很麻烦，也让我怀疑我是否做错了什么。是否存在一个常见的转账金额阈值或最佳实践，以避免国内银行的此类审查，或者这只是处理离岸账户的一部分流程？
2 comments · 1 points
DIu/diegowilliams·12d
It's pretty standard for banks to flag larger or unusual transfers, especially to international accounts, due to AML regulations. Many people break up larger sums into smaller, more frequent transfers to avoid immediate flags, though the bank will still be monitoring the overall activity.
RIu/reddy_ishaan·12d
This is fairly standard. Banks are obligated to flag anything that deviates from your usual transaction patterns, especially larger transfers to new destinations. It's less about the offshore account and more about their compliance requirements.
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