您是否感到慷慨并计划向 QIWI STOCK 或俄罗斯的任何其他银行汇款？等一下，在您点击“发送”按钮之前，请确保您知道收款银行的 BIC/SWIFT 代码。为什么？因为它对国际汇款至关重要。如果您不包含代码，您的转账可能会延迟甚至丢失，代码就像您的钱的护照。
Are you feeling generous and planning to send some cash to QIWI STOCK or any other bank in Russia? Hold up, before you hit that “Send” button, make sure you know the BIC/SWIFT code of the recipient bank. Why? Because it’s crucial for international remittances. Your transfer may be delayed or even lost if you don’t include the code, which is like a passport for your money.
如果您不熟悉术语“BIC/SWIFT 代码”，请不要担心。它基本上是一个独特的识别码，可以帮助世界各地的银行在跨境交易中相互识别。把它想象成邮政编码，但对于银行来说。您最不想发生的事情就是将您辛苦赚来的钱寄到俄罗斯，却因为忘记包含 BIC/SWIFT 代码而陷入困境。
Don’t worry if you’re not familiar with the term “BIC/SWIFT code.” It’s basically a unique identification code that helps banks around the world identify each other during cross-border transactions. Think of it like a zip code, but for banks. The last thing you want to happen is to send your hard-earned money to Russia, only to have it stuck in limbo because you forgot to include the BIC/SWIFT code.
现在您知道 BIC/SWIFT 代码的重要性，让我们来谈谈 WebMoney 提供的另一个巧妙的功能。它被称为“交换信用点数”，它允许您将您的 WebMoney 钱包余额交换为可用于在选定网站上购物的信用点数。想象一下无需直接付款即可在 Steam 上购买游戏或游戏内物品！多么酷啊？
Now that you know how important the BIC/SWIFT code is, let’s talk about another neat feature that WebMoney offers. It’s called “exchange credit points,” and it allows you to exchange your WebMoney wallet balance for credit points that you can use to shop on selected websites. Imagine being able to buy games or in-game items on Steam without having to make a direct payment! How cool is that?
它是这样运作的：首先，您需要有一个 WebMoney 钱包和一些余额。然后，转到兑换积分部分并选择要使用积分的网站。汇率可能因网站而异，但通常每 1 个 WebMoney 单位大约 95 个信用点。将余额兑换成信用积分后，您可以使用它们在所选网站上购物，而无需输入您的付款信息。
Here’s how it works: first, you need to have a WebMoney wallet and some balance in it. Then, go to the exchange credit points section and select the website where you want to use the credit points. The exchange rate may vary depending on the website, but it’s usually around 95 credit points for every 1 WebMoney unit. Once you’ve exchanged your balance for credit points, you can use them to shop on the selected website without having to enter your payment information.
当然，此功能有一些限制。您不能使用信用点数购买所选网站以外的任何东西，也可能无法使用它们购买网站上的所有东西。但是，这仍然是一种省钱的好方法，并且可以避免每次购物时都要输入付款信息的麻烦。
Of course, there are some limitations to this feature. You can’t use the credit points to buy anything outside of the selected websites, and you may not be able to use them to buy everything on the website. However, it’s still a great way to save some money and avoid the hassle of entering your payment information every time you want to buy something.
总之，如果您打算向 QIWI STOCK 或俄罗斯的任何其他银行汇款，请确保包含 BIC/SWIFT 代码。它就像您的钱的护照，没有它，您的汇款可能会延迟甚至丢失。如果您想在选定的网站上购物而无需直接付款，请尝试使用 WebMoney 的兑换信用点数功能。开心购物！
In summary, if you’re planning to send money to QIWI STOCK or any other bank in Russia, make sure to include the BIC/SWIFT code. It’s like a passport for your money, and without it, your transfer may be delayed or even lost. And if you want to shop on selected websites without having to make a direct payment, try WebMoney’s exchange credit points feature. Happy shopping!
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