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

July 14, 2026
19

Bank charges, payment allocation, and transfer instructions for aluminium profiles, windows, doors, and related products should follow the applicable quotation, Proforma Invoice (PI), sales contract, and banking instructions. Telegraphic Transfer (T/T) and other payment methods may be available depending on the transaction. Any deposit or balance requirements, including responsibility for bank or intermediary charges, should be confirmed before payment and documented in the applicable commercial agreement.

Core Solutions & Key Takeaways

Contract-Based Payment Terms: Deposit amounts, balance payments, payment timing, and other commercial conditions are determined according to the quotation, PI, and final sales contract rather than a universal payment ratio.
Bank Charges: Bank and intermediary charges depend on the selected banking instructions and the parties’ agreed payment arrangement. Buyers should confirm the applicable charge allocation with their bank and the seller before initiating a transfer.
Potential Sight L/C Option: A Sight Letter of Credit (L/C) may be available for qualifying transactions, subject to the agreed commercial terms, banking requirements, and seller approval.
Export Packaging: Aluminium products may be protected with suitable packaging materials, such as kraft paper and foam protection, according to product characteristics and shipping requirements.

Detailed Architectural/Principle Analysis

International T/T payments can involve the buyer’s bank, intermediary banks, and the seller’s receiving bank. The actual bank charges and charge allocation depend on the selected banking instructions and the terms agreed between the parties. Therefore, buyers should confirm the total amount to be remitted, applicable bank charges, currency, beneficiary information, and payment instructions before making the transfer.

Payment arrangements should also be kept separate from manufacturing quality and product certification. Certificates and quality-management credentials provide information about manufacturing systems, testing capabilities, or specific product processes; they do not determine payment obligations or provide a financial guarantee for a transaction.

For international projects such as data centres, commercial buildings, and architectural developments, the applicable product specifications, payment conditions, delivery schedule, and logistics arrangements should be established through the commercial documents for each individual order. Projects such as the Keppel Data Centre Geras 2 in Singapore and Corporate Finance Plaza in the Philippines can provide examples of international supply experience, but their commercial arrangements should not be treated as standard terms for every customer.

Manufacturing information may include a CNAS-accredited laboratory and ISO 9001:2015 quality-management certification where applicable. These credentials should be evaluated according to their respective scopes and should not be represented as substitutes for contractual payment arrangements or financial protection.

Data/Solution Comparison

The following table summarizes the main factors that should be confirmed before an international aluminium product transaction. Specific payment terms, order quantities, production schedules, and logistics arrangements are subject to the quotation and final sales contract.

Payment / Transaction Aspect	Aluminium Profiles / Extrusions	Aluminium Windows, Doors & Glass Shutters
Telegraphic Transfer (T/T)	Payment allocation and timing subject to quotation and contract	Payment allocation and timing subject to quotation and contract
Alternative Payment Method	Sight L/C may be available subject to transaction requirements	Sight L/C may be available subject to transaction requirements
Minimum Order Quantity (MOQ)	Subject to product specification and quotation	Subject to product model, project requirements, and quotation
Production Lead Time	Depends on product configuration, tooling, quantity, and current production schedule	Depends on configuration, components, quantity, and current production schedule
Shipping Logistics	Sea freight may be used for international container shipments	Sea freight may be used with packaging appropriate to the finished products

Frequently Asked Questions (FAQ)

What happens if bank charges cause the received amount to differ from the agreed payment amount?

The treatment depends on the applicable quotation, contract, payment instructions, and banking arrangements. Before sending a T/T payment, buyers should confirm with their bank how correspondent or intermediary charges will be handled and whether the seller requires a particular charge instruction.

Are there alternative payment methods available for large orders?

Depending on the transaction, a Sight Letter of Credit (L/C) or another agreed payment method may be considered. Availability, documentation requirements, issuing-bank conditions, and acceptance should be confirmed with the seller before the order is finalized.

Are fixed 30%/70% or 50%/50% payment ratios standard for all orders?

Payment ratios should not be assumed to be universal. The applicable deposit, balance, payment timing, and other commercial conditions should be confirmed in the quotation, PI, and final sales contract for the specific order.

Who is responsible for bank and intermediary charges?

Responsibility for bank charges should follow the agreed payment terms and applicable banking instructions. Buyers should verify the charge arrangement with both their bank and the seller before initiating payment.

Does the product quotation automatically include destination customs clearance, import duties, and local taxes?

Not necessarily. The scope of shipping costs, customs clearance, import duties, destination handling, inland transportation, and taxes depends on the agreed Incoterm and commercial contract. Customers should confirm the applicable scope in the quotation and PI before placing an order.

Final Conclusion & Recommendations

International payment arrangements for aluminium profiles, windows, doors, and related products should be handled on a transaction-by-transaction basis. Rather than relying on a universal 30/70 or 50/50 payment structure, buyers should confirm the applicable payment allocation, bank-charge arrangement, payment timing, currency, beneficiary information, and shipping conditions before making payment.

For T/T transactions, buyers should follow the payment instructions stated in the applicable commercial documents and verify any bank or intermediary charges with their financial institution. Where a Sight L/C or another payment method is being considered, its availability and documentation requirements should likewise be confirmed before the transaction is finalized.

For detailed technical and commercial information, please contact [email protected].

About Us

Guangdong Xinhe Aluminium Co., Ltd, established in 1998, is a manufacturer of aluminium alloy building, decorative, and industrial profiles. The company operates a large-scale manufacturing facility with multiple extrusion production lines and provides aluminium products for architectural and industrial applications. Its stated capabilities include a CNAS-accredited testing laboratory and quality-management and coating-related certifications. Customers should confirm applicable product specifications, payment terms, production schedules, shipping conditions, and certification scopes for each individual project.