首先我得声明我已经考过古了，因为我家附近没有招行（小城市），所以我选择汇到建行（wamu汇出免费，建行境外汇入免费），但是版上大多数人都是汇到招行的，所以有些问题不是很清楚，所以想麻烦高手指教：
1我知道wamu默认的中间行hsbc是要收$10手续费的，但是有人用citi作为中间行，顶多就收$5,rp好时甚至不收（这点我倒是不敢奢望的），我想知道我需要提供citi的什么帐户一类吗

2 国内家人在建行是否需要开个美元或是双币种的帐户？她们可以直接取出人民币吗？

2家人需要给我提供什么信息，帐户号？还是只是具体的银行的swift code？我到哪里可以查到？

3 多长时间能到帐？我比较懒，打算今天才去wamu开户，转帐

4 我原本打算用西联汇款的，但是我问过agent，$2000的手续费就要$17,多邮几家，那手续费就多了，而且那个agent好像并不太熟业务，我应该选择是家人收到美元，还是人民币（我问是否选择收到人民币，表示现在美国进行汇率转换了，她说不知道有什么区别，比较愁人呐！），如果有哪位大侠知道，请一并赐教，非常感谢！

很多问题，感谢回复！

1.  Wamu will provide all the information to the intermediary bank when they transfer the money.  All you need to do is instruct Wamu to use the specific bank you choose as the intermediary bank. 

2.  The money transferred over will still be in dollars.  If your family wants to withdram RMB, then they need to do the exchange at their bank.  My family has an account at China Bank, and it is 双币种的帐户.  From what I heard, if the receiving bank account is RMB only, then the bank will exchange the money upon receipt.  The outgoing amount will still be USD. 

3.  Your family needs to provide you the beneficiary's full name, address, receiving bank's name, receiving bank's branch address (whichever branch they usually go to), bank account number, and the SWIFT code.  The receiving bank should be able to provide the SWIFT code.

4.  My cousin estimated that it took 10 days.  She didn't go check until almost a month later, and the money was already sitting there.