好了大家好

Okay, everyone

今天来说一下

Let's talk about it today

这个汇丰香港的开户和使用方法

This HSBC Hong Kong account opening and usage method

这个汇丰大家应该都非常熟悉了

Everyone should be very familiar with this HSBC

目前是历史非常悠久

Currently, it has a very long history

然后是香港规模最大的银行

Next is the largest bank in Hong Kong

它本身优点非常多

It has many advantages in itself

就是功能非常齐全

It's just that the functions are very comprehensive

银行的功能都有

Banks have all the functions

而且这些功能

And these functions

基本上我们平时能用到的

Basically, what we can use in our daily lives

大部分功能都是免费的

Most of the features are free

像很多工人在其他银行可能要收费

Like many workers who may be charged fees at other banks

在汇丰这边

On HSBC's side

都是免费的

All of them are free

等一下我们再详细说

We'll go into more detail later

同时

meanwhile

申请汇丰的时候

When applying to HSBC

现在可以附带申请这个信用卡

You can now apply for this credit card as an attachment

到时候开户的时候

When it comes to opening an account

那个客户经理就会跟你说的

That account manager will tell you

现在他们也是有这些

Now they also have these

应该是有业绩要求吧

There should be performance requirements, right

开起来也非常简单

It's also very easy to drive

这样有这个信用卡的话

If you have this credit card, then

到时候无论是这个借记卡还是信用卡

At that time, whether it's this debit card or a credit card

绑定这个支付宝微信啊云闪付

Bind this Alipay WeChat and cloud flash payment

apple pay Google pay啊

Apple Pay and Google Pay

这样的话

In that case

就可以实现这个资金完全不用回国了

You can achieve this funding without having to return to your home country at all

直接在国内消费就行了

Just consume directly domestically

同样在其他国家消费

Consumption in other countries as well

也是可以的

It's also possible

这样就非常方便了

This is very convenient

然后目前

And currently

汇丰开户也是非常简单的

Opening an HSBC account is also very simple

资料要求非常简单

The data requirements are very simple

我前面在香港银行开户

I opened an account at a bank in Hong Kong earlier

那个视频里面也说过了

It was also mentioned in that video

无非就是几样东西

It's just a few things

身份证护照

ID card and passport

港澳通行证

Hong Kong and Macao pass

地址证明

Address proof

然后其他的也没什么了

And then there's nothing else

最多还有一个这个工作的证明

At most, there is one more proof of this job

这些其实都不是必须的

These are actually not necessary

后面这个

This one behind

其实主要就是这个身份的资料

Actually, it's mainly the information of this identity

然后的话

And then

到时候现在目前就跟以前不一样了

By then, things will be different now than before

以前很多的时候都要预约

Many times in the past, appointments were required

或者是现场填资料

Or fill in the information on site

现在的话

At present

直接是在微信公众号上面填资料的

Directly fill in information on WeChat official account

到时候就直接填好以后啊

After that, just fill it out directly

跟大堂经理说一下

Tell the lobby manager

激活一下就可以了

Just activate it once

非常迅速的啊

Very quickly

另外

in addition

也不要把这个汇丰想的多高大上

Don't overthink this HSBC either

高不可攀什么的

It's unattainable or something

其实他就是一个普通的大众银行

In fact, he is just an ordinary public bank

非常简单的啊

It's very simple

所以就没必要找什么中介之类的了

So there's no need to look for any intermediaries or anything like that

花那个冤枉钱

Spending that unjustified money

目前也不需要预约

At present, no appointment is required

直接过去就可以开了

Just go there and you can open it

比以前简单多了

It's much simpler than before

当然如果你去到那个分行的时候

Of course, if you go to that branch

遇到不好说话的经理啊

Encountering a manager who is difficult to talk to

他有可能当天心情不好

He may have been in a bad mood that day

或者是人比较多

Or maybe there are more people

怎么样的

How about it

就直接换一个分行就行了

Just switch to another branch directly

不要过多的浪费时间

Don't waste too much time

多做逗留

Stay more often

因为目前他们都有这个吸收新客户

Because currently they all have the ability to attract new customers

还有新资金的要求嘛

Are there any new funding requirements

所以说啊

So, what do you mean

针对汇丰这个这家银行来说

For HSBC, this bank

是毫无门槛的

It has no threshold

只要你那个资料齐全

As long as your information is complete

没有特别的

There's nothing special about it

没有特别的名字

No special name

跟什么政治人物挂钩之类的类似

Similar to being associated with certain political figures

所以开起户来是非常快速的啊

So it's very fast to start a business

我前面那个说

The one before me said

去香港开银行账户的时候

When opening a bank account in Hong Kong

那个视频已经说过了

That video has already been mentioned

主要看你是以什么方式过关到香港

It mainly depends on how you cleared customs and arrived in Hong Kong

如果是像我之前说的

If it's like I said before

从这个东西两个口岸

Two ports from this thing

深圳湾口岸或者是莲塘口岸过关的话

If passing through Shenzhen Bay Port or Liantang Port

深圳湾口岸

Shenzhen Bay Port 

我还是建议去这个元朗或者是天水围

I still suggest going to Yuen Long or Tin Shui Wai

这里有几个汇丰

How many HSBC banks are there here

然后的话

And then

实在一个地方人多

There are really many people in a place

可以马上换到其他地方

You can immediately switch to another location

也非常快速

It's also very fast

距离也非常近

The distance is also very close

而且其他银行也非常多

And there are also many other banks

相隔都不远

Not far apart

然后如果你是从那个莲塘口岸的

And if you're from that Liantang Port

还是上水

Still on the water

上水粉岭这些

Sheung Shui Fanling and these

当然了你可以根据自己的那个情况

Of course, you can choose based on your own situation

如果你是坐这个高铁的啊

What if you're taking this high-speed train

那就去到这个旺区去开

Then go to this bustling area and drive

也是一样的

It's the same

但是我个人建议啊

But my personal suggestion is

去那个偏僻一点的分行

Go to that remote branch

主要是不用排队

Mainly because there is no need to queue up

然后的话办起来更加快速一点

Then it will be done faster

不用浪费时间

Don't waste time

目前我们过港开户的话

If we open an account in Hong Kong at present

基本上大部分人

Basically, most people

还是开这个汇丰one的

Still open this HSBC one

账户就是普通账户

The account is a regular account

理财账户的话也当然也可以开了

If it's a wealth management account, of course it can also be opened

看你个人需要

It depends on your personal needs

如果你个你的资金非常多的话

If you have a lot of funds

直接在内地见证开户也是可以的啊

It's also possible to witness the account opening directly in mainland China

这个就不多说

I won't say much about this

今天主要是以汇丰one来做这个代表

Today, we will mainly use HSBC One as the representative

说一下

Tell me

然后本身这个户开起来就非常简单

And opening this account itself is already very simple

然后的话

And then

直接

direct

去那个微信公众号里面有那个

Go to the WeChat official account, there is one

申请

apply

前面的视频已经说过了

The previous video has already mentioned it

你就去到那个分行

You go to that branch

如果看到分行人比较少

If you see that there are fewer people in the branch

可以在那里开户的话

If you can open an account there

就直接打开这个微信香港

Just open this WeChat Hong Kong directly

这个公众号

This official account

汇丰香港这个微信公众号

The WeChat official account of HSBC Hong Kong

直接在里面就可以找到

You can find it directly inside

这个开户的链接

This account opening link

然后的话直接填好资料

Then just fill in the information directly

然后就可以把这个码

Then you can take this code

填好了之后

After filling it out

就会有二维码

There will be a QR code

直接就给那个客户经理扫描

Just scan the account manager directly

他就会跟你那个确认资料

He will confirm the information with you

然后核对一下

Then check it

如果确认是本人

If it is confirmed to be me

就直接可以开户成功了

You can directly open the account successfully

非常简单的啊

It's very simple

这一步

This step

没什么好说的

There's nothing to say

接下来我们看一下

Next, let's take a look

汇丰one的有什么特点

What are the characteristics of HSBC One

它目前就是没有任何费用

It currently has no fees

同时它可以支持

At the same time, it can support

12种货币

12 currencies

就是也没有

That's right, there isn't

外汇管制之类的限制

Restrictions such as foreign exchange controls

都没有然后的话

There are no further words

有了解的

Understood

人应该知道啊

People should know

汇丰的话

HSBC's words

在香港的银行来说

For banks in Hong Kong

它本身的汇率不是特别好

Its exchange rate itself is not particularly good

但是其实还是可以接受的

But it's actually acceptable

也没有那么差

It's not that bad either

其他银行虽然好一点

Although other banks are better

但是也没有好到哪里去

But it's not much better either

主要是汇丰这个银行

Mainly HSBC, this bank

目前是很多东西就是没有收费的

Currently, many things are free of charge

他的管理费

His management fee

我们可以看一下

We can take a look

他这个服务收费这些

He charges for these services

很多东西在其他银行那边收费的

Many things are charged by other banks

在他的这里都是没有的

There are none here with him

像我们经常会用的这个

Like the one we often use

功能

function

可以看一下啊

Can you take a look

一个是存取款

One is deposit and withdrawal

都是后面

It's all from behind

像我们

Like us

炒股还有炒这个炒币的

Stock trading and currency trading

加密货币的

Cryptocurrency's

经常会用到这个

I often use this

账户地址证明

Proof of account address

账户月结单这些

Account monthly statements, etc

都是没有费用的

They are all free of charge

然后开这个银行结余单

Then open this bank balance statement

也都是没有费用的啊

There are also no fees involved

其他很大部分银行都是要收费的

Most other banks charge fees

这一项

This item

还有我们经常在用的

And what we often use

转账

transfer accounts

无论是转出还是转入

Whether it's transferring out or transferring in

大部分功能都是没有收费的

Most functions are free of charge

像很多银行都转入还是要收费的啊

Many banks still charge fees for transferring funds

这个我个人是接受不了

I personally cannot accept this

然后的话

And then

汇丰这一块就做的非常好了

HSBC has done an excellent job in this area

无论是你想是什么等级的账户

No matter what level of account you want

基本上都是豁免的

Basically, they are all exempt

可以看一下

Can you take a look

自己可以在官方网站

You can do it yourself on the official website

详细看一下各项的说明

Please take a detailed look at the explanations of each item

看看你平时有这个

Look at this, you usually have it

用到哪一项业务的

Which business is used

可以自己查询一下需要多少费用

You can check how much it costs by yourself

或者是不是

Or is it

直接免费啊

It's directly free

在这里也可以看得到

You can also see it here

我们这个跨行转账

Our interbank transfer

美元这些

These are dollars

也都是免费的

They are also all free

他无论哪一级账户都是免费的

He is free for any level of account

这个就非常好了

This is very good

转速快

Fast rotation speed

这个倒是每一家银行都是一样的

This is the same for every bank

其他的

other

也没什么了

It's nothing else

其他的要看个人自己的这个需要来说

The rest depends on the individual's own needs

目前汇丰one的那个账户

The current HSBC One account

也没有这个最低存款的要求

There is no minimum deposit requirement either

也没有这个年费管理费

There is also no annual management fee for this

卓越理财的话就会有

If there is excellent financial management, there will be

这个自己再了解一下就行了

Just get to know this for yourself

在分行开

Open at the branch

开好户以后呢

What about after opening the account

就可以直接登录这个银行的APP

You can directly log in to the bank's app

然后就可以直接申请这个扣账卡了

Then you can directly apply for this debit card

蓝色扣账卡

Blue debit card

这个是大部分人都会申请的这个卡

This is the card that most people would apply for

然后的话

And then

直接在APP里面也可以申请

You can also apply directly in the app

目前它的主要优点就是消费

At present, its main advantage is consumption

全在网上

All online

或者是其他各个地方消费

Or consumption in other places

都有这个现金回赠

Everyone has this cash rebate

同时啊

At the same time

这个也可以申请多张附属卡的

This can also apply for multiple supplementary cards

这个扣账卡的话

If it's this debit card, then

也可以为你自己的家里人申请扣账卡

You can also apply for debit cards for your own family members

这里要特别说明一下

I need to make a special note here

很多这个中介或者是什么人

Many of these intermediaries or individuals

他会跟你吹这个汇丰有多好多好

He will brag to you about how much better HSBC is

然后

then

每天可以在国内

Can be in China every day

或者是其他地方

Or elsewhere

可以取现8万块的现金

Can withdraw 80000 yuan in cash

这个扣账卡又可以取现多少

How much cash can be withdrawn from this debit card

几万的几万的现金

Tens of thousands of cash

大家不要相信这个啊

Don't believe this, everyone

你可以试一下

You can have a try

你如果是连续

If you are continuous

账户在其他地方连续取款的话

If the account is withdrawn continuously elsewhere

取现金啊

Take cash

我这里说的是取现金

What I'm talking about here is withdrawing cash

那肯定是账户异常使用的

That must be due to abnormal use of the account

肯定会冻结卡的

It will definitely freeze the card

这个就不要相信那个中介

Don't trust that intermediary about this

那些人跟你说的

Those people told you

有这么厉害的卡啊

Do you have such a powerful card

无论是汇丰或者是其他任何银行

Whether it's HSBC or any other bank

都是一样

It's all the same

你如果是跨境取款

If you are making a cross-border withdrawal

连续取款超过多少笔的话

How many consecutive withdrawals do you make

肯定会异常的

It will definitely be abnormal

你平时

You usually

取个一两次三四次应该还可以

Take one, two, three, or four times, it should still be okay

但是你不可能同时

But you can't do it at the same time

取个七八万还不会不会冻结你的卡

Getting 70000-80000 won't freeze your card

那是不可能的啊

That's impossible

大家不要相信那个那些吹嘘

Don't believe those boastful things, everyone

特别是有些中介还吹的更厉害

Especially some intermediaries exaggerate even more

同时可以申请6张这个扣账卡

You can apply for 6 of these debit cards at the same time

每张可以取款多少万啊

How much can be withdrawn from each one

加起来都可以取款四五十万每天

Together, you can withdraw four to five hundred thousand yuan per day

没有这么好的事啊

There's nothing so good about it

银行不是傻瓜

Banks are not fools

不会让你做这种异常操作的

I won't let you do this kind of abnormal operation

不要想这些东西

Don't think about these things

然后我们目前主要是

And currently, our main focus is

通过这个

Through this

申请这两张卡之后

After applying for these two cards

这个扣账卡

This debit card

以及这个红狮子刚刚那个主要的这个卡

And this red lion, the main card just now

然后就可以直接绑定这个微信

Then you can directly bind this WeChat

无论是微信香港

Whether it's WeChat Hong Kong

还是大中国大陆的微信

WeChat in the Greater Chinese Mainland

都可以试一下

Everyone can try it out

都可以绑定

All can be bound

但是要在这里面

But it needs to be inside here

有一些细节要注意一下啊

There are some details to pay attention to

你要等那个卡激活之后

You have to wait until that card is activated

再这个尝试绑定

Try binding this again

有可能绑定的时候

When it is possible to bind

会让你联系这个银行客服的

You will be asked to contact the customer service of this bank

到时候就打电话确认资料

I'll call you later to confirm the information

绑定就可以了

Just bind it

其实非常简单

It's actually very simple

这样的话

In that case

我们就不用考虑什么资金

We don't need to consider any funding

回国之类的

Returning to China or something similar

直接在这个微信支付宝上面

Directly on this WeChat Alipay

就可以这个消费的啊

You can make this consumption

另外云闪付也是可以绑定的

In addition, Cloud QuickPass can also be bound

目前啊

Currently

申请这个汇丰one的账户成功以后

After successfully applying for this HSBC One account

这个客户经理

This account manager

一般都会跟你同时推荐这个

I usually recommend this to you at the same time

让你办一个信用卡啊

Let me get you a credit card

目前的信用卡主要是两种

There are currently two main types of credit cards available

针对中国大陆的用户来说

For users in Chinese Mainland

主要是两种

There are mainly two types

第一个就是这个汇丰的red信用卡

The first one is this HSBC red credit card

另外一个是汇丰的这个双币信用卡

The other one is HSBC's dual currency credit card

我个人建议啊

My personal suggestion is

办这个汇丰的双币信用卡

Apply for this HSBC dual currency credit card

因为这个是银联的

Because this is from UnionPay

在国内的话

In the domestic context

用起来会更加顺畅一点

It will be smoother to use

然后

then

它本身也是免年费的

It itself is also free of annual fees

后续的话

In the future

也可以打这个电话继续豁免

You can also call this number to continue exemption

这两个信用卡

These two credit cards

都可以绑定这个汇丰的reward APP

You can bind to this HSBC reward app

然后这样到中国内地

And then go to mainland China like this

或者是在其他任何地方

Or anywhere else

都可以直接扫码

You can scan the code directly

扫码支付

Scan code payment

这样的话也同时有返现

In this way, there will also be cashback at the same time

也可以顺畅的支付

It can also be paid smoothly

这样的话就非常OK了

In that case, it's very okay

使用就非常方便快捷了

It's very convenient and fast to use

好了啊

Okay, okay

基本上也没什么了

Basically, there's nothing left

这个汇丰开户其实是非常简单的

Opening an HSBC account is actually very simple

我个人建议汇丰就直接开这个

My personal suggestion is for HSBC to directly open this account

香港的就可以了

Hong Kong is enough

还有很多人喜欢开那个

There are still many people who like to drive that

顺带开这个新加坡啊

By the way, open this Singapore

或者是其他的这个地方的

Or maybe it's from another place like this

汇丰嘛

HSBC

就到时候可以绑定起来

We can bind it then

有那个全球转账的功能

There is a global transfer function available

这个就看个人了啊

It depends on the individual

我是不会申请的

I won't apply

因为用不到其他其他地区的汇丰

Because we cannot use HSBC from other regions

用不到啊

I don't need it

但是你如果是有这个集卡

But if you have this collection card

收集卡的这个爱好

The hobby of collecting cards

或者是资金非常多的

Or someone with a lot of funds

可以考虑一下

You can consider it

办起来也非常容易

It's also very easy to handle

全球任意转账的话

If there is any global transfer

也是非常好用的一个功能

It's also a very useful feature

好吧

ok

今天这个汇丰开户的这个小攻略

Today's HSBC account opening guide

就分享到这里吧

Let's share it here

关注我

Pay attention to me

接下来会有更多实用的东西分享

More practical things will be shared next