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Method Four: Cross-border Remittance (the only legitimate channel for large sums of money)
• Operation: Select "Cross-border Remittance" in the Hong Kong bank app → Fill in the same-name account in Mainland China → Honestly declare the purpose → Wait for the funds to arrive
• Service fee: Bank of China Express Remit waives telegram fee + transfer fee; other banks approximately 100-200 HKD + intermediary bank fee
• Arrival: Usually within one business day, Bank of China Express Remit has been tested to arrive overnight
• Note: Fully utilizes the individual's annual $50k foreign exchange quota, limited to purposes such as family support, travel, education, and other current accounts