Name: 移居澳洲小貼士：我在國外如何理財 (Moving to Australia tips: How I Manage My Money Abroad)
Uploaded: 2025-07-30T15:04:37.000Z
Duration: 7 min 5 s

情態助動詞 A2

Moving abroad can be stressful, especially when it comes to money.

移居國外可能會給人帶來壓力，尤其是在資金方面。

過去簡單式

Back in July 2021, I left the UK on a one-way ticket, and there was one mistake I made before leaving that ended up costing me a lot over the years.

2021 年 7 月，我買了一張單程機票離開了英國，臨行前我犯了一個錯誤，結果讓我在這些年裡損失慘重。

I travelled through Europe, Mexico, and the US, and eventually landed in Sydney on a working holiday visa.

我遊歷了歐洲、墨西哥和美國，最終以打工度假簽證來到雪梨。

Tom shared one travel tip that completely changed the way I managed my money abroad, and it all came down to this little green card.

湯姆分享了一個旅行小貼士，它徹底改變了我在國外管理錢財的方式，而這一切都源於這張小小的綠卡。

I'm a traveller and I've been lucky enough to visit 49 countries, and this is my top travel tip for managing your finances more efficiently when travelling and moving abroad.

我是一名旅行者，我有幸去過 49 個國家，這是我在國外旅行和搬家時更有效地管理財務的最佳旅行建議。

I've used this card in nine countries now, and this is probably my favourite feature that has saved me hundreds of pounds, if not thousands.

我已經在九個國家使用過這張卡，這可能是我最喜歡的功能，它為我節省了幾百英鎊，甚至幾千英鎊。

So I moved to Australia several years ago, and when I first arrived in Sydney, I did what most people would expect you to do.

幾年前，我搬到了澳洲，剛到雪梨時，我做了大多數人都會做的事。

I opened a local bank account, and at the time I thought, well, I'm an expat now, I'm living in Australia, I should open a bank account like a local so I can spend like a local.

我在當地開了一個銀行賬戶，當時我想，我現在是外籍人士，我住在澳洲，我應該像當地人一樣開一個銀行賬戶，這樣我就可以像當地人一樣消費了。

But looking back, that whole process of opening a bank account, totally avoidable had I done this one thing.

但現在回想起來，如果我做了這一件事，開立銀行賬戶的整個過程是完全可以避免的。

If I knew now what I knew back then, I would have saved myself a ton of hassle and money, so I probably could have bought some more flat whites, because you know, the coffee's just so good in Australia.

如果我現在知道我當時所知道的，我就會省下一大堆麻煩和錢，所以我可能會多買些平底白咖啡，因為你知道，澳洲的咖啡實在是太好喝了。

I'm partnering with Wyse on this video to show you guys how I manage my money as an expat living abroad.

我與 Wyse 合作製作了這個視頻，向你們展示我作為一名生活在國外的外籍人士是如何理財的。

If you're new around here, my name's Dane, I currently live in Australia and have done for several years, and this thing is one of my favourite travel tips.

如果你是新來的，我叫戴恩，目前住在澳洲，已經住了好幾年了，這是我最喜歡的旅行提示之一。

The Wyse card is an international debit card that will help you manage your money abroad, so you can go on adventures without having to think of the smaller stressful things, like currency conversion, because I don't even know how that works.

Wyse 卡是一種國際借記卡，可以幫助您在國外管理資金，這樣您就可以去冒險，而不必考慮貨幣兌換等小問題，因為我甚至不知道貨幣兌換是如何進行的。

So to explain how Wyse works in more detail, I'm going to use the example of me, someone that wanted to move from the UK to Australia.

為了更詳細地解釋 Dell Wyse 的工作原理，我想以我為例，一個想從英國搬到澳洲的人。

Now, if you're moving abroad, you're going to need some sort of way to manage your finances and withdraw cash and pay for things and get paid.

現在，如果你要搬到國外，你需要某種方式來管理你的財務、提取現金、支付東西和獲得報酬。

First up, what you're going to do is scan the QR code on screen or check the link in the description down below, just to let you guys know, if you do join Wyse as a new customer using my referral link, they will give you a free transfer up to £500.

首先，您要做的就是掃描螢幕上的二維碼，或者查看下面說明中的鏈接，只是想讓你們知道，如果您使用我的推薦鏈接加入 Wyse 成為新客戶，他們將為您提供最高 500 英鎊的免費轉賬。

Another really important thing about moving abroad, you're going to need to somehow transfer money from like your home bank account to whichever account you are using abroad.

移居國外還有一件非常重要的事情，那就是你需要以某種方式將錢從國內的銀行賬戶轉到國外使用的賬戶。

At some point of your moving abroad journey, you're going to need to move money from one country to another, and that's where Wyse comes in to help you save on these crazy currency fees the banks charge.

在您移居國外的旅途中，您需要將錢從一個國家轉移到另一個國家，而這正是 Wyse 可以幫您節省銀行瘋狂收取的貨幣手續費的地方。

Let's say I wanted to transfer £1,000 from my UK bank account to my Australian account.

假設我想從我的英國銀行賬戶向我的澳洲賬戶轉賬 1,000 英鎊。

There is going to be fees attached to that.

So at the time of making this video, my UK bank account would charge me £25 to send that £1,000 plus whatever currency exchange fees and currency conversion fees they add on top of that, which is a lot more expensive than Wyse.

是以，在製作這段視頻時，我的英國銀行賬戶將收取 25 英鎊的費用來發送這 1000 英鎊，外加他們在此基礎上增加的任何貨幣兌換費和貨幣轉換費，這比 Wyse 要貴得多。

If I was to send £1,000 using Wyse, that's going to cost me as of making this video around £4.

如果我使用 Dell Wyse 發送 1,000 英鎊，那麼在製作這段視頻時將花費我大約 4 英鎊。

I'm already saving a lot just from transferring money from my UK account to my Australian account.

僅從英國賬戶轉錢到澳洲賬戶，我就已經節省了很多。

The great thing about this is I can send money using the Wyse app from my phone to my UK account, and it takes seconds.

最棒的是，我可以使用 Wyse 應用程序從手機向我的英國賬戶匯款，只需幾秒鐘。

Most of the transfers that you'll do from Wyse will arrive within 20 seconds, may take a bit longer depending which country and currency you are sending to, but generally it's really fast.

您從 Wyse 進行的大多數轉賬都將在 20 秒內到達，可能需要更長的時間，這取決於您要發送到哪個國家和哪種貨幣，但一般來說都非常快。

Anytime I make a transfer, I notice it's in my account within seconds.

每次轉賬時，我都會在幾秒鐘內發現錢已經到賬。

Of course, this depends on what country and bank you're sending to, but mostly when I send money to my UK account, it arrives instantly.

當然，這取決於您向哪個國家和銀行匯款，但大多數情況下，當我向我的英國賬戶匯款時，錢會立即到賬。

With Wyse, you can easily transfer different currencies using separate accounts, all from the app.

有了 Wyse，您可以在應用程序中使用不同的賬戶輕鬆轉賬不同的貨幣。

Living abroad, I transfer money regularly from all my different accounts, from my UK account to my Australian account.

生活在國外，我經常從不同的賬戶轉賬，從英國賬戶轉到澳洲賬戶。

And the thing I love about Wyse is there are no hidden fees.

我最喜歡 Wyse 的一點是，它沒有任何隱藏費用。

You could even go on their website and see a full breakdown of their fees against what other providers charge.

您甚至可以登錄他們的網站，查看他們的收費與其他提供商收費的全部明細。

And you'll always notice that you save so much more by transferring your funds with Wyse.

您會發現，通過 Wyse 轉賬，您可以節省更多資金。

If I knew about this before I moved to Australia, instead of opening a local bank account, I would have just joined Wyse because I would have saved so much time.

如果我在搬到澳洲之前就知道這件事，我就不會在當地開設銀行賬戶，而是直接加入 Wyse，因為這樣可以節省很多時間。

With Wyse, I have local bank details in multiple currencies.

有了 Wyse，我就有了多種貨幣的在地銀行詳細信息。

So when I landed my first job in Australia, instead of opening a local bank account, I could have just given them my Wyse details.

是以，當我在澳洲找到第一份工作時，與其在當地銀行開戶，不如直接把我的 Wyse 賬戶資訊告訴他們。

Nowadays, I get paid straight into my Wyse account.

現在，我的工資直接打入我的 Wyse 賬戶。

I can manage different currencies in my account and I can spend from the same card in many countries around the world.

我可以在我的賬戶中管理不同的貨幣，我可以在世界許多國家用同一張卡消費。

As a digital nomad, I get paid in British pounds, US dollars and Aussie dollars.

作為一名數字遊民，我的工資以英鎊、美元和澳元結算。

And I manage all of that from my Wyse account.

我通過我的 Dell Wyse 賬戶管理這一切。

I've moved abroad several times, including last year again when I moved to New Zealand.

我曾多次搬到國外，包括去年再次搬到紐西蘭。

And do you know what I didn't do last year?

Instead, I opened a New Zealand account on Wyse, which let me pay in local currency, get paid from local New Zealand businesses and avoid those annoying ATM fees.

相反，我在 Wyse 上開設了一個紐西蘭賬戶，這樣我就可以用當地貨幣支付，從紐西蘭當地企業獲得報酬，並避免了惱人的 ATM 費用。

And speaking of ATM fees, which we all hate, if you are using a local currency on your Wyse account in that country, you do not get charged ATM fees unless there's a bank fee associated with that particular ATM.

說到我們都討厭的 ATM 費用，如果您在該國的 Dell Wyse 帳戶上使用的是當地貨幣，您就不會被收取 ATM 費用，除非該 ATM 需要支付銀行手續費。

So for instance, if I use my UK pounds from my bank account in England in Australia, I'm going to get charged ATM fees.

是以，舉例來說，如果我在澳洲使用我在英國銀行賬戶裡的英鎊，就會被收取 ATM 費用。

But if I'm using my Australian account on my Wyse card, I'm not going to get charged bank fees because I'm using the local currency.

但是，如果我在 Wyse 卡上使用我的澳洲賬戶，我就不會被收取銀行手續費，因為我使用的是當地貨幣。

So if you're moving to a country like Australia, you can save yourself so much time by opening a Wyse account before you arrive.

是以，如果您要搬到像澳洲這樣的國家，您可以在到達之前開設一個 Wyse 賬戶，這樣就可以節省很多時間。

That way you can transfer money onto your Wyse account, use it to get paid from employers and spend like a local.

這樣，您就可以將錢轉入您的 Wyse 賬戶，用它從僱主那裡領取工資，並像本地人一樣消費。

So if you're planning on moving abroad or doing a long trip, don't do what I did and wait years to find out about Wyse.

是以，如果您打算移居國外或進行長途旅行，千萬不要像我一樣，等了好幾年才發現 Wyse 的存在。

The Wyse card has saved me a lot of time, money and stress.

Wyse 上網卡為我節省了大量時間、金錢和壓力。

It's a tool that I use consistently as a digital nomad in my business, receiving money, using money, keeping my money safe.

作為一名數字遊民，我在業務、收錢、用錢和保護資金安全方面一直在使用這個工具。

If you want to find out more about Wyse, you can scan the QR code on screen or check out the link in the description down below.

如果您想了解有關 Dell Wyse 的更多資訊，可以掃描螢幕上的二維碼或查看下面說明中的鏈接。

Remember, if you use my referral link and you are a new customer to Wyse, you can get a free transfer of up to £500.

請記住，如果您使用我的推薦鏈接，並且您是 Wyse 的新客戶，您就可以獲得高達 500 英鎊的免費轉賬。

A huge thanks to Wyse for partnering with me on this video so I could tell you guys how I use this magical card to live my life of living abroad, being a digital nomad and travelling without these ATM fees.

非常感謝 Dell Wyse 與我合作拍攝這段視頻，讓我可以告訴你們我是如何使用這張神奇的卡過上我的海外生活、成為數字遊民和旅行而無需支付 ATM 費用的。

And until next time, take care and peace out.

下次再見，保重身體，祝你平安。