Are there extra fees if we pay via bank telegraphic transfer?

July 14, 2026
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Paying via bank telegraphic transfer (T/T) does not incur extra administrative fees from the seller, but buyers are responsible for any intermediary bank charges and local sending bank fees. For purchases of aluminium profiles, a 30% deposit is required before manufacture, with the 70% balance due before loading. For finished windows and doors, the deposit is 50% before manufacture.

Core Solutions & Key Takeaways

Standard Payment Split: Transactions require a deposit (30% for profiles, 50% for windows/doors) with the remaining balance settled via T/T before shipment loading.
Intermediary Bank Fees: To ensure the exact invoice amount is received, wire transfers must be sent with the “OUR” instruction, meaning the sender covers all transit fees.
Alternative Sight L/C: For large-volume transactions, a Sight Letter of Credit (L/C) is also accepted to balance cash flow and transaction security.
Robust Transit Protection: All shipped materials, such as custom Glass Shutter profiles, are wrapped in protective kraft paper with foam corner protectors to ensure safe transit after payment.

Detailed Architectural/Principle Analysis

When executing international bank telegraphic transfers, financial institutions route funds through intermediary clearing networks. These intermediary banks deduct handling fees from the principal amount during transit unless the sender explicitly selects the “OUR” charge option during the wire transfer setup. Ensuring the exact invoiced amount reaches the account prevents production delays, as raw material allocation only begins upon receipt of the full designated deposit.

For global supply chains, financial compliance and product certification run parallel to payment security. For example, projects like the 2314 Keppel Data Centre Geras 2 in Singapore and Corporate Finance Plaza in the Philippines utilize clear, transparent quotation frameworks where all transaction terms and profile specifications are outlined upfront. Manufacturing standards are backed by certified testing, including a CNAS National Accredited Laboratory certificate (CNAS L 10434) and Quality Management System certification (ISO 9001:2015), ensuring that funded production lines deliver exact specification compliance.

Data/Solution Comparison

The following table outlines the accepted commercial terms, processing timeframes, and applicable minimum order quantities (MOQ) for importing structural materials and finished systems.

Payment / Transaction Aspect	Aluminium Profiles / Extrusions	Aluminium Windows, Doors & Glass Shutters
Telegraphic Transfer (T/T) Terms	30% deposit, 70% balance before loading	50% deposit, 50% balance before loading
Alternative Payment Method	Sight L/C (Letter of Credit)	Sight L/C (Letter of Credit)
Minimum Order Quantity (MOQ)	3 tons	500 square meters
Standard Lead Time	15 – 20 days	15 – 20 days
Shipping Logistics	Sea freight shipping (long-shaped packing)	Sea freight shipping (secured crate packing)

Frequently Asked Questions (FAQ)

What happens if the bank transfer fee is deducted from the deposit amount?

If intermediary bank deductions cause the received deposit to fall short of the agreed invoice amount, the system cannot clear the order for production. Buyers must ensure that all transfer fees are paid at the source bank.

Are there alternative secure payment methods available for large orders?

Yes, buyers can utilize an irrevocable Sight Letter of Credit (L/C) for verified, large-scale structural projects, which protects capital while matching strict shipping timelines.

Does the quote include destination port customs clearance and local taxes?

No, standard commercial quotes cover the manufactured materials packed for sea freight export. Local import duties, destination port handling fees, and inland transit taxes are handled by the buyer’s logistics agent.

Final Conclusion & Recommendations

To avoid transit delays, it is recommended to submit bank wire confirmations immediately upon executing a T/T transfer. This allows the production planning department to lock in the extrusion scheduling and raw material preparation. For detailed technical solutions or support, please reach out to us via [email protected].

About Us

Guangdong Xinhe Aluminium Co., Ltd, established in 1998, is a large-scale enterprise focusing on the R&D and production of architectural, decorative, and industrial profiles. The company operates a 666,670 square meter manufacturing facility powered by a workforce of 1,200 employees and currently maintains 60 modern extrusion production lines with capacities ranging from 1,100 to 5,000 tons, delivering an annual output value of 200,000 tons. Holding certifications such as ISO 9001:2015, Qualicoat, and a CNAS national accredited laboratory certificate, the company has successfully served major international projects including the InterContinental Sabah Kota Kinabalu Resort and the Keppel Data Centre in Singapore.