好了大家好

Okay, everyone

今天来分享一下

Today, let's share

这个中国银行香港分行

This Bank of China Hong Kong Branch

中银香港这个开户的细节

Details of Bank of China Hong Kong account opening

目前中银香港

Currently, Bank of China Hong Kong

在香港来说

In Hong Kong

是规模排名第二的银行

It is the second largest bank in terms of scale

也是我们中国大陆人

We are also from Chinese Mainland

过去香港开户的话

If you opened an account in Hong Kong in the past

基本上都会选择的一个银行

Basically, they will choose a bank

目前它的主要优点就是

At present, its main advantage is

这个境内外互转免费

This domestic and international transfer is free of charge

这个汇款从中国大陆汇过去

This remittance is remitted from Chinese Mainland

或者是汇回来

Or remit it back

这个汇款啊是免费的

This remittance is free

另外他的这个汇率本身还可以

Additionally, his exchange rate itself is also acceptable

在所有的香港银行里面来说

Among all the banks in Hong Kong

应该算是排中等偏上一点吧

It should be considered slightly above average in the ranking

其他的

other

还有一个优点

There is another advantage

是大部分中国

Most of China

香港银行里面没有的

It's not available in Hong Kong banks

这个特点就是它可以直接存人民币

This feature is that it can directly deposit RMB

就是你在内地

You are in the mainland

带那个人民币现金过去

Bring that RMB cash over

在那个香港的ATM机上就能够直接存

You can directly deposit money at that ATM machine in Hong Kong

但是的话

But then

目前这个功能基本上也是半废的状态

At present, this function is basically in a semi useless state

为什么啊

Why?

因为用这个功能的人太多

Because there are too many people using this feature

但是的话

But then

在那边香港那边的ATM里面

In the ATM over there in Hong Kong

基本上是存满的状态

Basically, it is in a fully stored state

就是机子已经存满了

The machine is already fully stored

很难找到这个机子能够继续存

It's hard to find this machine to continue storing

所以说

So

这个功能也算是半废的状态吧

This function can also be considered a semi useless state, right

看看以后会不会有其他的改进吧

Let's see if there will be any other improvements in the future

但其实

But actually

本身这个中银香港的规模非常大

The scale of Bank of China Hong Kong itself is very large

然后的话网点非常多

Then there are many branches

所以说

So

这个可供选择的地方也非常宽泛啊

The options available here are also very broad

目前过去开户的话

If you have opened an account in the past

我个人建议是不用预约

My personal suggestion is not to make an appointment

因为预约的话很难预约到近期

Because it's difficult to make an appointment in the near future

基本上

Basically

一个是预约要等到非常多时间以后

One is that appointments have to wait for a lot of time later

基本上是一个星期两个星期以后

Basically, it will be one or two weeks later

有的网点还要更长的时间

Some branches require a longer time

另外一个就是预约成功以后

Another thing is that after the appointment is successful

很多时候

Many times

银行就不会给你打电话确认预约

The bank won't call you to confirm the appointment

所以说基本上也没什么影响

So basically, it doesn't have much impact

直接过去就行了

Just go straight over there

实在不行到了现场网点之后看的人多

It's really not possible. After arriving at the on-site branch, there were many people watching

直接换一个银行就行了

Just switch to another bank directly

因为他网点太多了

Because he has too many branches

另外目前这个跟之前不同

Besides, this one is different from before

这个中银香港

This Bank of China Hong Kong

也支持这个线上直接开户了

We also support opening an account directly online now

到时候去到网点的时候

When we go to the branch

就直接在线上

Just go online directly

填好资料

Fill in the information

到那个网点

Go to that branch

请那个客户经理直接核对资料

Please ask the account manager to directly verify the information

现场激活就行了

Just activate it on site

也非常简单

It's also very simple

也不用多啰嗦什么了

There's no need to go into too much detail

比以前简单多了啊

It's much simpler than before

目前所需要的资料也就是大差不差的

The information currently needed is almost the same

跟其他银行来说

Compared to other banks

身份证通行证

ID card pass

地址证明等等

Address proof, etc

如果你要开这个银行的投资账户

If you want to open an investment account with this bank

可能要求比较多一点

May require a bit more

但是我觉得没什么用

But I don't think it's very useful

就开普通的就行了

Just open the regular one

另外最好是带一点现金过去

Also, it's best to bring some cash over

因为有的时候可能要存一下钱

Because sometimes you may need to save some money

100或者是1,000

100 or 1000

这个看那个银行的要求了

It depends on the requirements of that bank

每个网点都不一样的嘛

Is every branch different

不是统一的标准

Not a unified standard

基本上非常简单

Basically, it's very simple

比汇丰麻烦一点

More troublesome than HSBC

但是也不多

But it's not much either

因为他那个汇丰

Because of his HSBC

基本上都是现场给你卡

Basically, they give you cards on site

这个像这个中银香港的话

This is similar to Bank of China Hong Kong

他多数时候

Most of the time, he

都是需要邮寄的

All of them need to be mailed

就是你留的这个地址证明的地址

It's the address you left as proof of address

就是国内家里面的地址

It's the address at home in China

然后的话到时候他会发那个

Then, he will send that message when the time comes

邮件直接把卡邮递邮递回去

Send the card directly back by mail

当然也有这个直接现场拿卡的

Of course, there is also someone who can directly obtain the card on-site

分行 比较少

There are relatively few branches

看你要去哪里了

Where are you going

这个就不好控制

This is difficult to control

我建议的话

If I suggest

还是去那个

Still go there

稍微偏僻一点的分行 会比较好一点

A slightly more remote branch would be better

不用排队

No need to queue up

我个人是非常不喜欢排队的

I personally don't like queuing very much

因为他网点多嘛

Because he has many branches

可选择的地方也非常多

There are also many places to choose from

那就根据你的自己的行程来安排了

Then arrange it according to your own schedule

我自己当时去的话就

If I had gone there myself

比较偷懒的

Quite lazy

我当时也是去那个元朗那边

I also went to Yuen Long at that time

跟汇丰一起开的时候去的元朗

When I was driving with HSBC, I went to Yuen Long

但当时元朗的人比较多

But at that time, there were more people in Yuen Long

我就想尝试一下这个线上开户

I just want to try opening an online account

线上开户的这个流程我们可以看一下

We can take a look at the process of opening an online account

其实是非常简单的

It's actually very simple

直接在香港以后

Directly after Hong Kong

就直接打开这个手机

Just open this phone directly

连上Wifi就行了

Just connect to WiFi

一定要香港本地的Wifi

Must have local WiFi in Hong Kong

然后打开APP

Then open the app

直接点

Directly click

点这个

Click on this

开立账户

Open an account

选这个身份证这一项

Choose this ID card option

然后选第二项

Then choose the second option

身处香港

Being in Hong Kong

马上开立

Open now

我不在分行

I'm not at the branch

继续

continue

这个选自在理财就行了

This should be selected from financial management

同意一下 下面的条款

Agree to the following terms

然后再继续

Then continue

接下来

next

就是填那个各项身份资料

Just filling in the various identity information

然后扫描这个证件

Then scan this document

以及下载这个

And download this

出入境证明文件

Entry and exit certificate documents

就像我之前

Just like before

刚在那个香港银行开户的

I just opened an account at that Hong Kong bank

那期攻略 那期说过

That strategy was mentioned in that issue

在那个微信的

On that WeChat account

小程序移民局里面

Inside the mini program immigration office

就可以下载那个出入境的

You can download the immigration document

PDF 然后上传就行了

Just upload the PDF and that's it

但是这个中银香港这个APP

But this Bank of China Hong Kong app

其实体验非常不好

Actually, the experience was very poor

跟的其他那个虚拟银行比起来

Compared to the other virtual banks

体验非常不好

The experience was very poor

就是没有那么顺畅

It's just not that smooth

当时我那个

At that time, my

开户的时候

When opening an account

就没有成功

It didn't succeed

为什么没有成功

Why wasn't it successful

主要是因为扫描的时候

Mainly because during scanning

扫描证件的时候

When scanning documents

经常会出现未知的错误

Unknown errors often occur

以及那个本身在拍摄证件的时候

And the one who was taking photos of the documents themselves

你如果有出现反光

If there is any reflection on you

或者是角度不对

Or maybe the angle is incorrect

稍微有不对

Something's a bit wrong

没有匹配好

No good match

那就是失扫描失败

That means the scan failed

尝试一次两次以后

After trying once or twice

那就失败

Then fail

以后就没办法在线上开户完成开户了

I won't be able to open an account online in the future

那就必须要等那个网点

Then we have to wait for that branch

直接到网点去填资料

Go directly to the branch to fill in the information

然后再另外开户了

Then I opened another account

我当时因为元朗那边人比较多嘛

I was there because there were more people in Yuen Long at that time

那我就没有去网点排队开户了

Then I didn't queue up at the branch to open an account

因为本身这个

Because of this in itself

我个人对中英香港的需求不是很大

My personal demand for Chinese, British, and Hong Kong is not very high

因为它对于我来说只有一个

Because it only has one for me

可以ATM存人民币这一个优点

The advantage of being able to deposit RMB at ATM

其他所有优点都没有吸引我的地方

All other advantages have nothing that attracts me

像这个互转免费

Like this mutual transfer for free

我说过了

I told you before

之前我有那个视频说过了

I mentioned in that video before

我本身没有这个中国内地的

I don't have this in mainland China myself

这个中国银行

This Bank of China

所以说就也没有这个互转的

So there's no such thing as this mutual conversion

免费的这个功能了

This feature is now free

目前也不需要

At present, there is no need for it either

像我们玩加密货币的

Like us playing cryptocurrency

基本上是很少用到电汇的功能

Basically, the function of wire transfer is rarely used

直接买币方便的很

Buying coins directly is very convenient

其他所有功能

All other functions

资金回国消费

Funds returned to China for consumption

其他汇丰都已经很好的可以完成了

Other HSBC can already complete it very well

所以说对我来说

So for me

有没有是没有所谓的

Is there anything that doesn't matter

但是对大部分国内人来说

But for most domestic people

这个银行还是非常实用的

This bank is still very practical

所以也是必开的

So it's also necessary to open it

过去香港的话

In the past, Hong Kong

之前开汇丰那个视频我说过

I mentioned the video about opening HSBC before

我建议去这个北边

I suggest going to this north side

元朗

Yuen Long

屯门天水围这些地方就可以了

Tuen Mun Tin Shui Wai and other places are sufficient

但是的话

But then

中银香港

Bank of China Hong Kong

我建议是去这个旺一点的区

My suggestion is to go to this more prosperous area

比较好一点

It's better

就是说

That means

银行比较集中一点的地方比较好

A place where banks are more concentrated is better

像荃湾这边都可以

It can be done in areas like Tsuen Wan

荃湾这里人又人又不多

There are not many people here in Tsuen Wan

但是银行

But the bank

又集中

Concentrate again

然后你去到那里人多的时候

Then when you go there and there are many people

就直接换一个分行就行了

Just switch to another branch directly

非常方便

Very convenient

也非常近

It's also very close

另外一个

Another one

我们看一下这个

Let's take a look at this

中银香港的这个服务收费这一块

The service fee for Bank of China Hong Kong

像我们经常用到的这个功能

Like the function we often use

第一个是年费服务费

The first one is the annual service fee

这里都是豁免的

All of them are exempt here

也没有这个低于 5千

There is no such thing as less than 5000

一万就要收这个年费的情况

The situation where you have to charge this annual fee for 10000 yuan

没有  全部是免费的

Not everything is free

像这个人民币外币的存取款

Like this deposit and withdrawal of RMB and foreign currency

也都是免费的

They are also all free

这个就比较好了

This is better

扣帐卡

Debit card

目前普通客户好像是没有办法申请的

At present, it seems that ordinary customers are unable to apply

好像

be like

对于那个

For that

汇丰

HSBC

他那边不是有那个申请那个扣账卡吗

Doesn't he have the application for that debit card over there

目前有消息啊

There is currently news

我听说

I heard

会后续会有那个中银这边的扣账卡

There will be a debit card from Bank of China in the future

也会下放给这个普通客户

It will also be delegated to this regular customer

目前好像是

At present, it seems that

理财客户才能够申请的啊

Only financial clients can apply

暂时还不清楚

I'm not sure yet

有这个传闻吧

Is there a rumor about this

因为我当时我自己没有申请成功嘛

Because I didn't apply successfully myself at that time

我是跟朋友一起过去的

I went there with my friends

陪他一起过去申请的

Accompanying him to apply together

他就申请成功了

He successfully applied

他是通过那个

He passed through that

线上填资料

Fill in information online

然后在那个网点激活的

Then activated at that branch

他是本身有这个国内的中国银行的

He has this domestic Bank of China himself

所以说他必须要

So he must

有这个中银香港的账户他才

He only has this Bank of China Hong Kong account

就是开这个中银账户的

It's the one who opened this Bank of China account

这个需要非常强烈

This needs to be very strong

所以说我还陪她等了排了队

So I even waited in line with her

没办法啊

There's nothing we can do about it

像这个中银的卡

Like this Bank of China card

在国内或者其他地方取现

Withdraw cash domestically or elsewhere

收费还是比较高的

The fees are still quite high

要50啊

I need 50

这比我们

This is better than us

工行的

ICBC's

就没那么划算了啊

It's not that cost-effective anymore

像这个银行证明

Like this bank certificate

月结单这些也都是要收费的

Monthly statements are also subject to charges

这个跟汇丰比起来

Compared to HSBC, this one

就不如汇丰了

It's not as good as HSBC

另外 像跨境汇款这个

Also, things like cross-border remittance

这个汇到中国国内

This will be remitted to China

你有中国银行的话

If you have Bank of China

中国

China

通过中银快汇这个功能

Through the function of Bank of China Quick Remittance

那就非常好

That's very good

这也是很多人选

This is also a lot of candidates

这个中银香港的原因之一

One of the reasons for this Bank of China Hong Kong

当然

of course

汇到其他银行的话

If transferred to other banks

那还是要收费的

That still requires a fee

基本上各家银行都大差不差的

Basically, all banks are not bad

另外 从境外汇款过来

Additionally, remittance from overseas

这个中银香港是要收费的

This Bank of China Hong Kong requires a fee

超过500以上都要收60

For orders over 500, a fee of 60 will be charged

这一项就收费比较贵了

This item is quite expensive to charge

然后当然了

And of course

可以用汇丰或者其他虚拟银行替代

Can be replaced by HSBC or other virtual banks

这个问题也不太不是特别大

This problem is not too big either

本地银行转账

Local Bank Transfer 

这个就跟那个汇丰一样

This is just like that HSBC

Chats

Chats

FPS转速快啊

FPS speed is fast

都是免费的

All of them are free

转入转出

Transfer in/out

应该说是转出

It should be said to be a transfer out

转入超过500这里是收费的

Transferring over 500 is charged here

刚刚说了

I just said

哎 错了 看错了

Oh, I read it wrong

如果是本地银行还是免费

If it's a local bank or free

豁免的 就是转出或者转入都是豁免

Exemption refers to both transfers and transfers being exempted

无论是否超过500

Whether it exceeds 500 or not

企业客户才是收费的

Enterprise customers are the ones who charge

上面这里收60是说境外的银行汇过来

Here, receiving 60 means that the overseas bank will transfer the funds

这里豁免是本地银行的chats

The exemption here is for local bank chats

就是美金欧元这些外币是免费的

It's just US dollars and euros. These foreign currencies are free

也是

That's right

我看错了

I misread it

转速快 当然是这个免费的

Of course, the fast speed is free of charge

而且中银的转速快是额度比较高的

Moreover, the fast rotation speed of Bank of China has a relatively high credit limit

其他方面就没什么好说的了

There's nothing else to say about other aspects

基本上是我们

Basically, it's us

很少用到的服务

Services that are rarely used

如果个人有特别需要的话

If an individual has a special need

可以到中银的这个官官网查看

You can check it on the official website of Bank of China

好了啊 这个开户还是非常简单的

Okay, opening an account is still very simple

对于这个中国国内的用户

For this domestic user in China

如果有这个

If there is this

中国银行的一类账户的

A type of account of Bank of China

可以转外汇的啊

Can it be converted to foreign exchange

这些人来说

For these people

这个中银香港还是非常值得开的

This Bank of China Hong Kong is definitely worth opening

而且他的资金也不用回国

And his funds don't have to go back to his home country either

直接放在

Put it directly on

香港就行了

Hong Kong is enough

到时候可以通过绑定这个微信支付宝

You can bind this WeChat Alipay

apple pay还有他本身银行的这个BOC pay

Apple Pay and his own bank's BOC Pay

就可以实现在国内

It can be achieved domestically

或者其他地方的消费

Or consumption in other places

非常方便

Very convenient

好了

okay

今天这个中银的开户分享就到这里了

That's all for today's Bank of China account opening sharing

非常简单啊

It's very simple

关注我 接下来

Follow me next

我会说

I would say

一个比这个中银香港更好的银行

A better bank than Bank of China Hong Kong

对于我们 对我个人来说是这样的

For us personally, it's like this