To open a personal account at HSBC, applicants need to provide the following information before opening an account:

1. A Hong Kong and Macao pass and passport are required; 2. Proof of address within 3 months is required / Proof of residence; 3. Can provide domestic ID card, bank statements, personal financial status and other relevant materials in the past three months; 4. When opening an account, deposit at least 100,000 yuan in the account; 5. 3 months after opening the account The internal account balance must be greater than 10 yuan. If the account balance is less than 10 yuan, a monthly service fee of 100 yuan will be charged.

2. Bank turnover is a better proof of one's own economic strength. After all, a bank is a financial institution that takes making money as its first priority and will look down upon others. Proof of address can be a water, electricity and gas bill, a bank credit card statement, etc., which are various documents with your address written on it. There are also various functions of Hong Kong bank accounts, which can be used for Hong Kong dollar savings accounts, Hong Kong dollar current accounts, foreign currency savings accounts, gold accounts, fixed accounts, stock accounts, fund accounts, etc. There is no problem in later financial management and stock trading.

There are two types of HSBC personal accounts: one is called Excellence. The deposit amount or total wealth management value needs to be HKD 1,000,000. If it is insufficient, a monthly management fee of HKD 380 will be deducted. Finally, last year, the Hong Kong Monetary Authority required all non-Hong Kong citizens (mainly for mainland customers, you know) to inquire about the purpose of opening an account. 2. If you are a more down-to-earth person, saying that you just want to send some foreign exchange or pay insurance for your children, and occasionally swipe your card to make purchases, then you will 100% be passed and there will be no need to talk about it later. 3. Therefore, when encountering this kind of problem, try to be more serious. You can say that the Federal Reserve has recently raised interest rates and the RMB has been depreciating. If you want to open an account in Hong Kong and enjoy some of the benefits brought by the appreciation of the US dollar, the possibility of success will be Big increase. 4. In 2012, HSBC admitted that it had inadequate anti-money laundering controls and paid a fine of US$1.9 billion to settle money laundering charges from US regulators. As the leading bank in Hong Kong, HSBC is under great pressure. Now even if you have the same name as a senior government official, you may not be able to open an account. The threshold is so high that it could trip up Yao Ming. Being rejected is normal, just get used to it.