How to apply for a bank card in Hong Kong

1. Why do you want to apply for a bank card in Hong Kong?

If you can find this place, you may have decided to buy one. Please explain to the students who have gone astray: investing in Hong Kong stocks or US stocks/buying insurance in Hong Kong/investing in overseas real estate, etc. It is much more convenient to have an overseas bank card. Hong Kong Bank Card is our most convenient overseas card. Some domestic banks can also open Hong Kong accounts, but on the one hand, the threshold is usually high and the entry is slow; On the other hand, the risk of China's foreign exchange control is still relatively large (personal point of view). So I went to Hong Kong to get a card.

2. Which bank to choose and how to make an appointment.

I am not a textual research party. Only under the recommendation of friends, I chose China Bank (HK) with high pass rate/simple materials. As it turns out, it went well. This bank has a low threshold and only needs to keep HK$ 6,543,800+0,000 in its account, that is, no management fee is charged.

Bank of China (Hongkong) has many branches, so theoretically you can choose one. I chose Waterloo Road Sub-branch. According to my friend, this branch has no record of rejection. I made an appointment in official website before departure, but it proved unnecessary. The bank opened at 9 o'clock. After I arrived at 9 o'clock, there were very few people waiting in line, so I opened an account alone and handled it directly.

3. What materials are prepared?

The materials of China Bank (Hongkong) are simple: just bring your pass/ID card/customs clearance form. I didn't even ask for customs clearance when I applied, but I was asked about my tax number in Chinese mainland. I said I was a housewife who just resigned, so I didn't provide the tax number and didn't pursue it. Readers are advised to print the tax bill in advance to see if there is a tax number on it. It should be reminded that most banks need to provide proof of address, that is, water, electricity and gas bills with addresses. My idea at that time was that if BOC (Hong Kong) could not handle it, I would go to another bank to handle it, so I even took my real estate license and marriage certificate with me. But in the end, it didn't work. As a small hint, I am prepared.

4. In word processing

The teller asked why he wanted to open a Hong Kong account. He said that investing in Hong Kong stocks was enough, and nothing else was needed. It is said that you can't buy insurance.

5. Matters needing attention after treatment

According to the teller's instructions, it can be completed smoothly. You need to remit 1 million Hong Kong dollars within 1 month, and there will be no management fee. In addition, you should keep two lists of Hong Kong dollar account/US dollar account/online account given to you by the teller. Then you will receive a physical card in the mail about 1 month after you come back.

I have an episode here that needs reminding. The teller asked me if I had HK$ 200,000, and I said yes. At that time, I thought that the policy changes day by day, which may raise the threshold for mainland personnel to handle it. Plus the other person's Mandarin, I didn't ask much. Later, at the end of the processing, I asked her how long it would take to put HK$ 200,000 in. She said there should be 200 thousand every day. For example, I asked what to do if I invested 200,000 yuan and lost less than 200,000 yuan. She said no, if it is less than 200,000, there will be a management fee of 180 Hong Kong dollars. As soon as I heard it, I thought wtf, which is not what I expected. And this shows that you must also use the securities function in the bank to invest, and you can't remit money to other brokers. I said it was a little difficult for me, and then I pulled it and changed it into an ordinary account. The teller is very reluctant. It should be that she has no performance in opening an ordinary account, so the performance of opening such a wealth management account is extra points. So information is money. You still need to know clearly before dealing with it. I have so little information that I was almost tricked into opening an account I didn't want to do.

The whole process was almost 1 hour, and the account was opened successfully. Although there is no physical card yet, you can remit money to this account. Then eat happily in hong kong and buy it in buy buy ~

The next article is about the travel notes of the Pearl River Delta. I will spend 10 days in Hong Kong/Macau/Guangzhou/Shunde ~ Welcome to pay attention.