PerfectMoney E-Banking (PM Registration): Registration and Usage Guide
1. Introduction to PerfectMoney
PerfectMoney, abbreviated as PM, is a Swiss electronic payment system. Similar to PP/AP/LR, it is also an international online banking service that can be used to trade international currencies such as U.S. dollars (USD) and euros (EURO). Unlike other online banking services, PM can be connected directly to domestic bank cards, meaning you can use a bank card to top up your PM account directly. For example, if you top up 10 USD into PM, you can choose to pay through online banking with a bank card; 10 USD is roughly RMB 69.4. Of course, the dollars and euros in PM can also be withdrawn directly to a bank card, making it very convenient and fast.
This saves a lot of trouble. When investing in various fund projects, you can invest directly with PM and avoid the hassle of finding someone to exchange dollars for you. More importantly, PM supports multiple national languages, including Chinese, so the registration page is in Chinese. Even earners who do not understand English can operate it easily.
PerfectMoney's biggest advantage is that, just like a bank, money deposited into PM can earn interest, with annual interest as high as 7%. That is a very large amount of interest: even without investing, if you deposit 10,000 USD directly into PM, the annual interest would be 700 USD, equivalent to RMB 5,000. What a good way to save money. In addition, PM's transaction fees are also very low, much lower than LR and PP.
PM opens three deposit accounts for each user: U.S. dollars (USD), euros (Eur), and gold (Gold). Account funds can be freely converted among the three accounts at any time. Friends with some knowledge of international foreign exchange should understand that these major currencies all operate under freely floating exchange rates (our country uses a fixed exchange rate tightly pegged to the U.S. dollar, and whether it is adjusted is up to the officials). This gives users a great opportunity to earn maximum profit from exchange-rate differences. For example, the world is currently experiencing a financial crisis. In the previous stage, the U.S. dollar depreciated sharply, gold rose significantly, and recently the euro has fallen sharply. If you had converted your account funds into gold or euros when the dollar first began depreciating, and then switched your account funds back into dollars before the euro fell sharply, you would not only avoid any losses from this financial crisis, but might also preserve and increase the value of your account thanks to these favorable policies and conditions set by the online bank.
2. PerfectMoney Registration Tutorial
Registration address: https://perfectmoney.com/
After opening the registration address, if the interface is not in Chinese, select Chinese in the upper-right corner:
All information must be filled in truthfully.
Choose Personal as the account type:
After submitting, registration will be successful. You then need to go to your email inbox to retrieve your account ID.
Open the email in your inbox and you will see your account ID. Save it. This ID is your PM account, and you will need it as your login name whenever you log in to PM in the future.
3. Logging in to PerfectMoney
Enter your login ID.
The account interface after your first login is shown below.
4. Depositing Money into PerfectMoney
Click the Buy button:
Select the first UnionPay entry point and use online banking to top up.
After entering the amount, click Preview to proceed to the next step:
Click Continue to proceed:
Select your bank card and follow the prompts step by step. This allows you to deposit U.S. dollars into your PM account and use PM for investing and transfers.
5. PerfectMoney Transfers
Click the Internal Exchange menu:
The first string beginning with U is your PM dollar account, which is also your PM account. In the future, whenever any website asks you to enter your PM account, enter this account number beginning with U. Please remember it.
Before sending a remittance or transfer, you first need to set up the recipient. Click the recipient list to view recipients. If you have already set up the recipient, you can select the person you want to transfer to; if you have not set up a recipient, you will proceed to the next step to set the recipient account.
Here you can add a recipient. After adding one, you can make transfer transactions to that recipient.
6. Withdrawing from PerfectMoney
The dollars in PM can be withdrawn directly to your own bank card. The corresponding exchange rate will be converted automatically according to the current rate, and the operation is very simple.
Click the Sell menu:
Select the bank transfer option at the top, click to enter, and fill in your bank card information. This allows you to withdraw the dollars and euros in your PM account directly to your own bank card.
PM is a very good international online banking service for investing in projects. It saves the trouble of exchanging dollars, and I believe more and more friends will use PM in the future. More importantly, PM offers annual interest as high as 7%.