Hong Kong Hang Seng offshore account was inexplicably cancelled. It seems that many users are like this. What happened? Can't it be solved?

Many users were cancelled because Hang Seng Bank conducted a large-scale account audit to eliminate zombie accounts and problem accounts. On the one hand, it saves bank resources and supervision costs, on the other hand, it eliminates risks.

Hang Seng's account has been cancelled and it is difficult to reopen it. It may already have a bad record in the bank. If the bank has a notice that the funds in the account can be retrieved, it should contact the bank immediately.

In addition, if you need to use offshore account, because the information between banks is not interchangeable, you should choose another bank to apply (but it is not recommended to apply for HSBC if Hang Seng is locked up, because the two banks are in the same system).

After opening a new bank account, you need to pay attention to the maintenance of the account and understand the rules of the bank to avoid being cancelled again.

Account maintenance can start from the following aspects, and the reasons for cancellation can also be found from the following aspects:

1. Keep the account flowing within 3 months.

2. Avoid the frequent phenomenon that funds enter and leave the account immediately (for example, 65,438+10,000 yuan will come in today and 65,438+10,000 yuan will be transferred out tomorrow, and the transactions in the account are the same).

3. Avoid trading with private accounts other than shareholders, directors and employees.

4. Avoid frequent contact with large amounts of cash.

5. Pay attention to whether the area of the counterparty is within the scope allowed by the bank.

6. Avoid dealing with "unknown accounts", such as non-counterparty and non-industry accounts.

7. Keep in touch with the bank by email, SMS, telephone, etc., and check whether the updated contact information is effective in time.

8. Keep the transaction documents of each transaction in recent months, and pay attention to the quality of the documents for bank spot checks.