The previous section described several ways to safely withdraw in the cryptocurrency space, focusing on BiyaPay's secure withdrawals. However, BiyaPay does not support mainland Chinese bank cards, so a complete guide for mainland users on using BiyaPay for withdrawals is provided. BiyaPay, as a secure and efficient global remittance tool, has obtained financial licenses from the United States, New Zealand, and other countries, allowing it to select optimal remittance channels for fast arrival, low service charges, and no limits. However, currently, BiyaPay does not support mainland Chinese bank cards, so for mainland users, withdrawals need to go through Hong Kong bank cards as intermediaries. This article will detail how to use BiyaPay for withdrawals and the complete process of handling Hong Kong bank cards.
---
## BiyaPay Withdrawal Process
### Step 1: Deposit USDT into the BiyaPay account
1. Obtain the USDT deposit address in the BiyaPay account (supports TRC20, ERC20, and other chains).
2. Recharge USDT to your BiyaPay account through your exchange or wallet.
3. After waiting for the funds to arrive, you can initiate the remittance to the Hong Kong bank card.
### Step 2: Withdraw from BiyaPay to Hong Kong Bank Card
1. Enter the BiyaPay remittance interface and choose Hong Kong dollars (HKD) or US dollars (USD) as the transfer currency.
2. Enter the Hong Kong bank account information and submit the remittance application.
3. Funds usually arrive on the same day or the next day.
### Step 3: Transfer from Hong Kong Bank Card back to Mainland Bank Card
1. Cross-border transfer: Use the Hong Kong bank APP to directly remit to your mainland bank card (some banks support online transfers, such as Bank of China, China Merchants Bank, etc.).
2. ATM Withdrawals: Some Hong Kong bank cards can directly withdraw Renminbi from mainland ATMs (service fees are determined by bank policies).
3. Exchange through intermediaries: If you have familiar exchange channels, you can also convert Hong Kong dollars to Renminbi through OTC methods.
---
## How to handle a Hong Kong bank card?
Many mainland users do not have Hong Kong bank cards, but it is not complicated to handle. You only need to go to Hong Kong in person to successfully open a bank account. Here is the most detailed account opening guide to help you get it done in one go!
### Recommended Account Opening Locations
Preferred banks: **HSBC (HSBC) + Bank of China (BOC)**
Recommended outlet: Yuen Long Hang Lok Road
> Reason: Opening an account at banks in this area is relatively easy, the process is efficient, and the distance between different banks is short, making it convenient to handle both at the same time.
### Required Materials
1. ID card
2. Hong Kong and Macau Travel Permit
3. Entry ticket
4. 1500 Hong Kong dollars (or equivalent foreign currency)
5. Mobile phone number that can receive SMS
6. Account opening reason (it is recommended to say 'investment in stocks' instead of savings)
7. (If opening an account for insurance) The insurance company's policy contract
### Account Opening Process
1. No appointment required, just Walk-in
- Many guides suggest making an appointment in advance, but in fact, Walk-in (going directly to queue) is more convenient and faster.
- It is recommended to first go to Bank of China to take a number, then go to HSBC to take a number, and queue at the same time to improve efficiency.
2. Fill out the account opening application
- Inform the bank staff that you need to open an account and receive a form to fill out.
- Note: Please fill in the purpose of opening the account as 'investment' or 'stock trading', avoiding mentioning 'savings', otherwise you may be rejected.
3. Download the bank App
- Hong Kong banks require account holders to download the official App for certain operations.
- While waiting, connect to the WiFi provided by the bank, and follow the instructions to download and complete the setup.
4. Interview and account activation
- Bank staff will ask simple questions, such as the purpose of opening the account, source of funds, etc.
- About 30 minutes later, you can receive the bank card and obtain account information.
---
## Account Opening Precautions
1. The distance between banks should be close:
- It is recommended to choose bank outlets that are no more than 200 meters apart for convenience.
- For example: **Bank of China (Yuen Long Ching Shan Road Branch) is only 15 meters away from HSBC (Yuen Long Branch)**.
2. Account ≠ Bank Card Number
- The account number of Hong Kong banks is different from the bank card number; the important information is included in the envelope received when opening the account, and it must be kept safe.
3. Avoid mentioning the purpose of 'savings'
- Hong Kong banks do not like to open pure savings accounts for ordinary customers; if you mention saving money, you may be rejected.
- Correct statement: The purpose of opening an account is for investment (such as stock trading) or fund management.
4. Business hours inquiry
- Enter 'Hong Kong' in Baidu Maps, and then search for the target bank to view the specific business hours of the branch.
---
## Summary
The combination of BiyaPay withdrawals + Hong Kong bank cards is currently the best plan for mainland users to safely withdraw:
1. First, deposit USDT into the BiyaPay account;
2. Withdraw to Hong Kong bank card;
3. Transfer funds to the mainland bank card via bank transfer or ATM withdrawal.
For users without Hong Kong bank cards, you can go directly to Hong Kong to handle it; the entire process takes about 1-2 hours, and it is recommended to choose HSBC + Bank of China and follow the steps in this article to ensure a smooth account opening.
If you are worried about withdrawal issues, you might want to try this plan! 🚀