Get your Hong Kong card in half an hour! The most comprehensive strategy for mainlanders to apply for Hong Kong bank cards!
Published: 2024-11-15
在境外所有银行中,香港银行一直是内地人士开户首选。为何越来越多的内地人纷纷赴港开户?香港银行账户到底给个人能带来哪些便利或者好处呢?今天就来聊聊个人办理香港银行账户的那些事儿!01哪些人需要境外/离岸银行账户?02香港银行账户的用途和优势优势1:方便香港保险缴纳/续费很多大陆朋友都会选择购买香港保险,认购香港保险时,为确认资金来源都需要从香港户口转到保险公司(小额保费可以通过现金或刷卡缴付)。优势2:免征利息税,存款实际收益较高免征利息税,存款实际收益较高。国内政策对香港离岸账号存款取得的利息是免征存款利息税的;同时,在香港银行的存款(包括存款票据)所赚取的利息收入,不论该存款是以何种货币作面值,都免缴纳利得税。优势3:外汇自由兑换进出可以自由兑换货币,比如旅游升学移民投资等,由于没有外汇管制,可以多币种汇出/接收币种,直接汇给海外的亲人/孩子。优势4:SOHO收款有部分银行接收公对私的交易,个人SOHO可以利用个人户口接收公司款。优势5:港股美股打新凡在香港持有1号金融牌照:证券交易,都可以给客户买卖股票。大部分香港银行都持有1号金融牌照,用户可以透过网银即时开立证券户口,下一个工作天已经可以买卖上市证券,未必一定要到证券商开立证券户口,此为香港银行帐户的优点。
办香港银行账户的方式?方式1:过港开户没有50W,自己去香港能免费办理吗?实话实说,是可以的!如果打算亲自去香港办理,建议网上预约好再去,当然你也可以选择直接walk-in,尽量早点到,不然可能没号,有客户早上9:00到,已经被告知需要等待3个小时左右。图片同时还要做好心理准备,成功申请存在一定的不确定性,香港各个分行、各个客户经理都有自己的处理方式和态度,所以申请失败的也不在少数。目前比较推荐汇丰、渣打、招商永隆、中银(香港),开户成功率高。方式2:异地开户(无需本人到港)当然除了过港开户,还可以通过内地远程见证办理,只不过这项政策多数银行已关停“零门槛”远程开户计划,银行一般都会要求存款30-50W人民币,至少三个月,部分银行客户经理也会推荐你买理财产品。 04港卡开户需要准备哪些资料?大部分银行基本都需要提供以下材料:☑ 内地身份证☑ 港澳通行证 / 护照☑ 通关小票 ☑ 地址证明:如过身份证住址和现住址一致可以不提供,如果不一致,可以提供近三个月的水电煤账单/银行月结单,上面需有地址信息。一定要想好一个“开户理由”用来应对客户经理,否则有些比较严格客户经理会直接拒绝你的开户申请(遇到天使客户经理的另说)。

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