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Comprehensive Guide for Mainland Residents to Open a Hong Kong Bank Account
I. Why open a Hong Kong bank account?
Freedom of cross-border transfer: receiving overseas funds does not occupy the domestic 50,000 USD foreign exchange quota, suitable for friends doing foreign trade or investing in US and Hong Kong stocks.
Convenient for daily consumption: Hong Kong's 'Faster Payment System' (FPS) is equivalent to Alipay, allowing for seamless transfers via QR code, supporting mobile numbers, emails, and FPS codes, with a daily limit of 10,000 HKD.
More flexible investment: directly buy Hong Kong stocks, US stocks, funds, insurance; some banks also offer free global transfers (e.g., HSBC, Citibank).
Save on fees: spending / withdrawing cash directly with Hong Kong card deducts foreign currency, saving 3% currency conversion fee compared to Mainland cards.
Freedom of cross-border transfer: receiving overseas funds does not occupy the domestic 50,000 USD foreign exchange quota, suitable for friends doing foreign trade or investing in US and Hong Kong stocks.
Convenient for daily consumption: Hong Kong's 'Faster Payment System' (FPS) is equivalent to Alipay, allowing for seamless transfers via QR code, supporting mobile numbers, emails, and FPS codes, with a daily limit of 10,000 HKD.
More flexible investment: directly buy Hong Kong stocks, US stocks, funds, insurance; some banks also offer free global transfers (e.g., HSBC, Citibank).
Save on fees: spending / withdrawing cash directly with Hong Kong card deducts foreign currency, saving 3% currency conversion fee compared to Mainland cards.
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
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