MindMap Gallery Things to note when opening a bank account in Hong Kong
This is a mind map about the precautions for opening a bank account in Hong Kong. It is introduced in detail. Interested friends can refer to it!
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Tips for opening a bank card in Hong Kong
Compiled by @ seriousOuyang Updated in January 2024
Prepare information (common to all companies)
Original ID card
Original Hong Kong and Macao Pass
Customs clearance ticket
【Before departure】Things to note
Confirm bank appointment time and branch address
Call 10086 in advance to confirm that your mobile phone number supports receiving SMS messages overseas.
[Applying for a card] Things to note
never show up The following behavior
Do not mention paying to open an account to bank staff
Do not mention opening an account for company collection
Under no circumstances may there be any conflict with the bank manager
Do not mention commercial use
Don’t tell bank staff to use it to pay insurance premiums
ditch Pass Note Things to note
When asked and filled in information, the reply [Purpose for opening an account] is mainly used for savings, financial management and investment.
Hong Kong banks have a lot of sales promotions. If you encounter an account manager selling financial products, you can politely refuse.
If you are asked why you opened this bank, just say that you heard that this bank has relatively high fixed deposit returns. And the return rate of fund products is much higher than that in mainland China. The follow-up plan is to deposit part of the domestic funds into the account here.
[After getting the card on site] It needs to be completed on the spot
Be sure to confirm on the spot
Change your password on the spot at the ATM machine
Save and write down all your bank card passwords and online banking passwords, so don’t forget them. (If you enter the wrong password three times, the card will be locked and you need to go to the counter again to unlock it)
Change password on-site at ATM machine
Confirm that the bank manager has activated the [Mobile Online Banking] function
Increase the transfer limit of [non-payee account] to the maximum on-site
Common bank account management fee requirements
HSBC
Ordinary account: no management fees, no deposit requirements
Premium Account: Management fees are waived for the first 6 months; thereafter, the average daily account balance is ≥ 1 million HKD, and management fees are waived. Otherwise, an account management fee of several hundred HKD will be charged every month.
Cards can be picked up on site
Bank of China
No administration fees, no deposit requirements
You can get the card on-site through special channels. Doing it yourself depends on luck
Zhongan Bank
No administration fees, no deposit requirements
After arriving in Hong Kong, apply online via mobile phone
It takes about 7 days from submission to completion of account opening.