好了大家好啊

Alright everyone, hello

今天来说一下这个工银亚洲

Today, let's talk about ICBC Asia

去香港开户的一个小攻略

A small guide to opening an account in Hong Kong

非常简单

It's simple

一般去香港办银行开户的话

If you usually open a bank account in Hong Kong

大多数人都会选择这个

Most people would choose this

汇丰和中银香港

HSBC and Bank of China Hong Kong

这两家银行没什么问题

There are no issues with these two banks

其实 但是很多人不知道

Actually, but many people don't know

这个工银亚洲其实也非常好

This ICBC Asia is actually very good

对部分人来说

For some people

可能会比中银香港更加实用

May be more practical than Bank of China Hong Kong

特别是说对这个大湾区

Especially for this Greater Bay Area

就是广东广西这边

It's from Guangdong and Guangxi

有这个 本身有这个工商银行账户的

There is one that has its own Industrial and Commercial Bank of China account

国内的一类账户的人

People with a type of domestic account

可能会更加实用一点

It may be more practical

就拿我个人来说

Take me personally as an example

我个人是没有这个中国银行的

I personally don't have this Bank of China

国内的账户的

Domestic accounts

目前因为开户是非常难

Currently, opening an account is very difficult

大家应该都知道

Everyone should know

但更主要的 其实是我也没有这个需要

But more importantly, I don't have that need either

因为有这个工行的卡

Because I have this ICBC card

就已经非常够用了

It's already quite sufficient

因为工行卡的话在国内的话

Because the ICBC card is valid in China

网点更多

More branches

用起来更方便一些

It's more convenient to use

我个人感觉是这样

My personal feeling is that

目前工银亚洲的话

At present, ICBC Asia

开香港账户是比之前简单了非常多

Opening a Hong Kong account is much simpler than before

之前还要提前预约

We had to make an appointment in advance before

然后准备的资料也比较多一点

And there are also more materials prepared

目前啊

Currently

这个工银亚洲已经跟汇丰一样

This ICBC Asia is already like HSBC

支持这个全程线上开户了

We support online account opening throughout the entire process

就是我们直接去这个应用商店

We will go directly to this app store

苹果安卓应该都有

Both Apple and Android should have it

去下载这个工银亚洲的APP

Go download this ICBC Asia app

下载之后打开这个

Open this after downloading

首页

home page

就会有这个新开户这个选项了啊

There will be an option for opening a new account

直接点进去选择这个身份证开户

Click directly to select this ID card to open an account

然后直接选这个综合账户

Then directly select this comprehensive account

然后扫描这个国内的身份证就可以

Then scan this domestic ID card

相当于是直接把资料填好了

It's like filling in the information directly

预先填好了

It's pre filled

像是你的那些身份资料啊

Like your identity information

工作资料地址之类的

Work information address, etc

就全部在这里都搞定了

It's all done here

就不用线下再到银行网点

You don't have to go offline to bank branches anymore

去找那个客户经理

Go find that account manager

再一步一步的弄了

I worked on it step by step

就省去了这个填资料

Just skip filling out this information

以及咨询和问答环节

And consultation and Q&A sessions

就减少了很多步骤

It reduces many steps

同时那个时间也大大的缩短了

At the same time, that time was greatly shortened

像我之前开的

Like the one I drove before

还是要预约的

You still need to make an appointment

那时候还没有这个

At that time, this didn't exist yet

线上填资料这一步

Step of filling in information online

目前就是直接填好资料之后

At present, after filling in the information directly

然后的话选好这个分行

Then, choose this branch carefully

到时候那个工银亚洲那边

When the time comes, that ICBC Asia side

就会直接发短信给你

I will send you a text message directly

预约到什么时候

When is the appointment scheduled for

哪一天过去激活一下就行了

Just activate it one day

基本上10来20分钟就搞定了

Basically, it can be done in 10 to 20 minutes

但其实

But actually

在那个填资料的过程中

During the process of filling out the information

还是需要你自己要选定

You still need to choose for yourself

去哪里去激活

Where to activate

目前这个工银亚洲

Currently, this ICBC Asia

这个在香港的网点

This branch in Hong Kong

虽然是没有中行那么多

Although there are not as many as Bank of China

其实也不少

Actually, there are quite a few

自己根据你的行程

According to your own itinerary

选定一个地方激活就可以了

Just select a place to activate it

其实没什么特别的要求

Actually, there are no special requirements

另外一个

Another one

他这个工银亚洲

He is from ICBC Asia

他的这个卡片

His card

它是通过邮寄的方式

It is sent by mail

通过EMS的邮寄方式

By EMS shipping method

发送到你这个国内的地址的

Sent to your domestic address

所以当到时候填资料的时候

So when it comes to filling out the information

还有带资料过去认证的时候

When bringing documents for authentication

这个地址证明就有这个要求

This address proof has this requirement

就要核对好再带过去

We need to verify it before bringing it over

因为的话

Because

到时候如果你这个留的地址有问题

If there are any issues with the address you provided at that time

收不到卡的话

If you can't receive the card

这个卡和账户

This card and account

是不能正常激活使用的

It cannot be activated and used normally

这个注意一下

Pay attention to this

但同时 他这个也比这个汇丰好

But at the same time, this one is better than this HSBC one

汇丰发的那个邮件

The email sent by HSBC

就是平邮信件

It's just regular mail

有的人地址可能比较难收到

Some people may find it difficult to receive their addresses

但是这个工银亚洲的话

But for this ICBC Asia

是用EMS的方式就比较正常了

Using EMS is more normal

到时候会打电话给你的

I will call you later

工银亚洲

ICBC Asia

这个账户是比较好用的

This account is quite user-friendly

它是可以同时绑定微信

It can bind WeChat at the same time

香港微信

Hong Kong WeChat

还有支付宝apple pay之类的都可以

And Alipay, apple pay, etc

没有什么限制

There are no restrictions

因为它本身也是银联卡

Because it itself is also a UnionPay card

所以说用起来也非常方便的

So it's also very convenient to use

费用方面其实还好

In terms of cost, it's actually okay

跟那个汇丰跟中银香港的

With that HSBC and Bank of China Hong Kong

其实互补吧

Actually complementary

有些地方好

Some places are good

有些地方就是不如

Some places are just inferior

具体我们可以看一下

We can take a look at it specifically

针对我们普通人

For us ordinary people

经常用的一些服务项目

Frequently used service items

像年费之类的都是没有的

There is no such thing as annual fee

小额管理费不满5千一万的啊

A small management fee of less than 510000 yuan

也是没有的

It's also not available

其次对于这个汇款的方面

Secondly, regarding the remittance aspect

其实跟其他银行大差不差啊

Actually, it's not much different from other banks

对境外汇款的话也是100多

For overseas remittances, it's also over 100

基本上也没什么优势

Basically, there isn't much advantage

我们如果要精打细算的话

If we have to be frugal

也不会用这个电汇的方式

I won't use this wire transfer method either

到时候后续我再介绍其他的方法

I will introduce other methods later

会比较省钱一点

It will be more cost-effective

我们主要用到的就是这个

This is what we mainly use

宫银速汇

Gongyin Express Remittance

就是说你在国内本身有工银账户的

That means you have an ICBC account in China

如果你要从香港汇到国内来

If you want to remit from Hong Kong to China

还是要收费的

It still needs to be charged

80每次

80 each time

但是如果你是国内的

But if you are from China

是这个大湾区的卡

It's a card for this Greater Bay Area

大湾区的中国工商银行的卡

Industrial and Commercial Bank of China's card in the Greater Bay Area

汇到这个香港是免费的

Transferring to this Hong Kong is free of charge

目前

at present

这也是很多人办这个账户

Many people also open this account

需要的一项功能

A required function

因为大部分人

Because most people

主要还是通过电汇的方式

Mainly through wire transfer

但其实对我们玩加密货币的话

But actually, when it comes to playing with cryptocurrency

其实就还好

It's actually okay

基本上很少用到电汇的功能

Basically, the function of wire transfer is rarely used

其次如果是在本港本地转这个美元

Secondly, if it is to transfer this US dollar locally in Hong Kong

欧元这些外币

Euros, these foreign currencies

汇出的话也还是要收费的

If you want to remit, there will still be a fee

这个我们看过

We have seen this before

我之前说那个汇丰的就知道了

I already knew about that HSBC before

我们到时候工行这个账户

We will use this ICBC account when the time comes

就不要用这项服务

Don't use this service

这项业务就行了啊

This business is enough

到时候

in due course

如果你本有本地这个chats的转账需求

If you already have a transfer request for this chat locally

直接用汇丰以及那些虚拟银行

Directly using HSBC and those virtual banks

就可以省下这个费用了

You can save this cost

汇入也是一样啊

The same goes for importing

这边也是要收费的

There are also charges here

虽然说只有10块钱

Although it's only 10 yuan

电汇汇入这个账户的话也是60

If wire transfer is made to this account, it will also be 60

跟我之前说的那个中银香港

The Bank of China Hong Kong that I mentioned before

是一样的

It's the same

这些我们其实都可以用汇丰来取代

We can actually replace all of these with HSBC

这些没什么大问题

These are not a big problem

这样看来

whereas

其实这个工银亚洲跟中银香港的话

Actually, this is about ICBC Asia and Bank of China Hong Kong

其实是互补

Actually, it's complementary

各有优缺点吧

Each has its own advantages and disadvantages, right

但是的话

But then

据我观察

From my observation

目前来看

At present, it appears that

多数的时候

Most of the time

工银亚洲的汇率

Exchange rates of ICBC Asia

是比这个中银香港的汇率

It's higher than the exchange rate of Bank of China Hong Kong

更加好一点的

A better one

我们可以看到啊

We can see it

目前是美元这一这一块

Currently, it is in US dollars

我们可以看到

We can see that

如果是像这里

If it's like here

美元换港币的话

If you exchange US dollars for Hong Kong dollars

工银亚洲

ICBC Asia

还是排在这个中中国银行的前面

Still ranked ahead of Bank of China in this regard

港币换美元的话

If Hong Kong dollars are exchanged for US dollars

也是一样工银在这个中银的上面

It's the same. ICBC is on top of this Bank of China

也是稍微划算一点

It's also slightly more cost-effective

虽然说是不多

Although it's not much

还算是有吧

Is it still possible

另外看看欧元的效果怎么样

Also, let's see how the Euro works

虽然说这个排名都不高啊

Although this ranking is not high

工银亚洲

ICBC Asia

还是在这个中国银行的上面

Still on top of this Bank of China

还是划算一点点

It's still a bit more cost-effective

同样的欧元

The same Euro

应该说啊

I should say it

除了这个人民币吧

Besides this RMB, right

个人感觉

My personal feeling

人民币的话

In terms of RMB

应该是中国银行

It should be Bank of China

会比这个供应稍微好一点

It will be slightly better than this supply

人民币我们可以看到

We can see the Renminbi

中国银行就在这个供应的前面了

Bank of China is right in front of this supply

无论是人民币换港币

Whether it's converting Chinese yuan to Hong Kong dollars

或者是港币换人民币

Or exchange Hong Kong dollars for Chinese yuan

都差不多

It's almost the same

是这样

this much

其实大差不差啊

Actually, it's a big difference

但总之

But anyway

是比这个汇丰要好一点就对了哈

It's just better than this HSBC, right

汇丰的话向来都是排在最末尾的

HSBC has always been at the bottom of the list

这个工银亚洲的

This ICBC Asia

账户

account

比较实用的一个就是

A more practical one is

在国内的ATM可以直接取现

ATMs in China allow for direct withdrawal of cash

这个是免费的

This is free

而且汇率非常好

And the exchange rate is very good

因为在国内大家都知道

Because in China, everyone knows

工银的这个网点

This branch of ICBC

ATM是最多的

ATM is the most common

所以说也是最方便的

So it's also the most convenient

有了这个工银亚洲的账户之后

After obtaining this ICBC Asia account

那就不用搞什么

Then there's no need to do anything

资金回国之类的了

Funds have returned to China or something similar

平时就绑定微信

Usually bind WeChat

支付宝那些消费就行了

Alipay consumption is OK

然后如果有几千上万的这种

And if there are thousands or tens of thousands of these

就可以直接取现

You can withdraw cash directly

也没有什么问题

There's no problem either

这个不是针对大湾区的卡啊

This is not a card for the Greater Bay Area

就是你在国内任何网点取现

You can withdraw cash from any branch in China

都是免费的

All of them are free

另外要说一下啊

Also, I need to say something

过关的时候

When passing the level

就是过去香港开户的时候

It was when I opened an account in Hong Kong in the past

记得要带一点现金啊

Remember to bring some cash with you

因为到时候会要求存款的

Because deposits will be required at that time

这个比这个汇丰

This is better than this HSBC

还有中银的要求高一点

Also, Bank of China has higher requirements

他会也许会让你存1万

He may ask you to save 10000 yuan

但其实你存个一两千

But actually, you saved one or two thousand

也是没什么太大问题的

It's not a big problem either

因为到时候存款的话

Because if we make a deposit at that time

是你自己去ATM存的

You deposited it yourself at the ATM

存多少他是管不到的

He can't control how much he saves

我只是说你带多一点存进去

I'm just saying you bring more and save it in

反正要消费也好

Anyway, it's okay to consume

转账也好

Transfer is also good

都是在你的账户

It's all in your account

就免除了后续的麻烦

It eliminates any further troubles

你要跨区转账什么的

You want to transfer money across regions or something like that

好了今天这个工银亚洲的

Alright, today's ICBC Asia

这个小攻略就说到这里吧

That's all for this little guide

其实也是非常简单的

It's actually very simple

目前大的趋势就是

The current trend is

香港的银行都需要更多的客户

Hong Kong banks need more customers

和更多的资金

And more funds

所以说开户他们是非常欢迎的

So opening an account is very welcomed by them

只要能够带来新的客户

As long as it can bring in new customers

新的资金都是非常欢迎

New funds are very welcome

所以说不要相信

So don't believe it

什么中介之类的

What kind of intermediary or something

说这个要收紧开户之类的啊

It's said that we need to tighten account opening and similar measures

其实这些都是普通的大众银行

Actually, these are ordinary mass banks

都是普通市民都可以开的

They are all accessible to ordinary citizens

没什么特别高的要求

There are no particularly high requirements

自己只要带好资料

Just bring the necessary documents with you

按照要求过去直接开就行了

Just go ahead and open it directly according to the requirements

对于我个人来说

For me personally

目前有这个汇丰跟这个工银亚洲

Currently, there are HSBC and ICBC Asia

两个账户

Two accounts

再加上虚拟银行就已经足够用了

Plus, virtual banking is already sufficient

我个人是没有特别需要其他的账户

I personally don't have a special need for any other accounts

没什么用

It's of no use

一般人的话

In the words of ordinary people

如果没有大湾区的卡

If there is no card for the Greater Bay Area

就直接办汇丰和香港中银香港就行了

Just handle HSBC and Bank of China Hong Kong directly

其他的银行的话就看你个人了

For other banks, it's up to you personally

香港银行的开户这一块

Opening a bank account in Hong Kong

我就分享到这里了

That's all I've shared here

好了关注我吧

Alright, follow me

接下来

next

会分享更多实用的金融相关资料

Will share more practical financial related information