真正要比的是總成本Compare total cost
匯款平台顯示的手續費只是其中一項。有效比較應把付款貨幣、使用匯率、平台費、付款方法費、可能的中轉或收款行費用，以及最後到帳金額放在同一張表。The displayed service fee is only one component. A useful comparison puts the funding currency, exchange rate, platform fee, payment-method fee, possible intermediary or recipient-bank charges and final amount received in one table.
- 用相同時間、相同付款金額和相同收款貨幣比較至少兩個方案。Compare at least two options at the same time, with the same sending amount and receiving currency.
- 記錄『對方實收』而不只是『我付出的費用』。Record what the recipient receives, not only the fee you pay.
- 核對退款、追蹤、客戶支援和大額付款的身份核實安排。Check refund, tracking, customer-support and identity-verification arrangements for large payments.
學費付款要多問一步Tuition payments need one more check
先向院校確認收款帳戶、付款參考編號、可接受渠道和截止日期。不要單憑截圖或轉寄訊息更改收款資料；如資料突然改變，應用另一個已核實渠道向學校確認。Confirm the recipient account, payment reference, accepted channels and deadline with the institution. Never change payment details based only on a screenshot or forwarded message; verify any sudden change through another trusted school channel.
ASIDU 可以幫你整理甚麼What ASIDU can help organise
我們可以把學費、住宿訂金、生活費和緊急備用金放入同一時間表，標記付款證明和截止日期；最終服務選擇及付款授權仍由學生或家庭決定。We can place tuition, housing deposits, living costs and emergency reserves on one timeline, with proof-of-payment and deadlines. The student or family still chooses and authorises the provider and payment.
官方核對入口Official verification links
以下連結是本頁 2026 年覆核的第一手入口。課程、費用、資格、政策與日期仍應在採取行動當日重新確認。These are the first-party starting points used for the 2026 review. Recheck programmes, fees, eligibility, policy and dates on the day you act.