Update on February 10, 2018:
Third stop, Hang Seng Bank (Unified Central Branch):
Today, I actually accompanied my colleague to open the card. After the various problems of the previous HSBC bombing, I decided not to let him handle the HSBC card, so I ran all the way to the nearest Hang Seng bank branch near the Bank of China Tower. I think Hang Seng should be better.
When it arrived, there were not many people. Someone like a financial manager came out and asked about the business to be done, and said that he wanted to get a card. He was called into the house and sat down. Unsurprisingly, after a round of KYC (know your customer) bombing, I quickly asked all the family members out, asking about work, asking my family, asking my wife…Is the information all available? After reading the account, I asked if I could use it as a proof of address. After I asked, the result was OK. After that, I opened the account entry process, typed in the information, and notified the other person to approve. I went back and forth several times… Start to push insurance… The process is very ink, more than 1 hour. Then another staff member came in with a UnionPay pre-made card. Appears to be approved. Continue to chat… Ask if the insurance buys or not, prepare to pay, the colleague said that he has not discussed with his wife at home, to discuss again, refuse, and then… a reversal occurred here:
The younger brother said that he would go out to see the progress of the examination and approval process, let us air for a while, and come to say that the information is not complete. The lack of a fixed residential address certificate, such as electricity, water, and coal, cannot be replaced by user accounts, and there is also a lack of monthly wages in the mainland…. This just sent us away. I just entered the credit card application form that I promised to help me try to apply for a credit card, but I didn’t mention it…At this point, Hang Seng Bank failed to open an account.
Fourth stop: Bank of China Tower branch, still helping my colleagues to get a card. Although there are many problems in the process, but when it comes to buying insurance, I asked which insurance plan to buy and it went smoothly. Prompt everyone, the staff said that if there is no pre-made card and cipher in the inventory, the card and cipher will not be available on the spot, and only various accounts printed on A4 paper can be obtained. They must be mailed by regular mail. 2 weeks? However, I have never received an ordinary letter from Hong Kong. I wonder if it is the pot of the post office branch here. The inventory of the outlets of the headquarters of the Bank of China Building is gone, and it also reflects from the side. Recently, there are too many cardholders, so there is a demand for early processing.
By the way, the landlord re-applied the newly launched Dawan Credit Card of BOC Hong Kong. This time I didn’t dare to apply for a diamond card. I filled out the platinum card form. It seems that Applepay can only cash back 2%… but it doesn’t matter. Thank goodness. Different from the last naked application, this time it provides: account book, salary flow, real estate certificate, fixed deposit certificate issued by China Merchants Bank, and business card. The teller copied all of them and took the official seal. It feels like the chance is bigger than the last time… Live update of the application process. Hope to be down.
20180124 update: BOC Hong Kong Online Banking has been able to find the archive, and will keep updating:
Incomplete experience post for mainland students in Hong Kong to open a card (updated on 2018.2.10)
As the title says, the landlord recently needed a Hong Kong savings card for investment and financial management. So the landlord set off with a bunch of zheng. The landlord’s writing skills are not very good, and the next step may be a running account.
Listening to a classmate once said that BOC is easy to handle,
First stop, Bank of China Tower:
Luohu immigration, East Rail Line, Kwun Tong Line, Tsuen Wan Line… It is terrible that there are no seats for various combinations. It’s finally here. I went there in the afternoon on weekdays. There were not many people in the head office of the Bank of China Building. The general banking department is on the third floor. I don’t need to consult when I go. I will get the number as soon as possible, because although there are few people, if there is an uncle who is 60 or 70 The business is more than half an hour.
As a whole, I felt that the staff of the Hong Kong Bank seem to be a bit repulsive of mainlanders to apply for cards. There is always a feeling that card handling is to do bad things. It should be emphasized that you must think about the reasons before you go to apply for a card. When you talk about investment and financial management, you need to know a little bit about investment and financial management in Hong Kong. Will chat with you. It is recommended to get a 20W starting card. Later, I feel that the investment intention is not too high, and I am reluctant to give the kind of 1W Hong Kong dollar free of handling fees. The scene was very embarrassing at one time, and I said otherwise I would let the financial manager come over to talk to me. Later, the landlord was a little flustered, and said with a sneer, I would like to do Zhang 1W first. Barely agree. Therefore, it is recommended to open a card to say savings deposits and buy insurance. It is estimated that there will be no more questions.
Card application is required to fill in the account opening information form, BOC does not need address proof, but please prepare an English address in advance. The focus is on the back. Because the work unit must be written in the account opening information form, the landlord actually worked in 0755 for a job that people here seem to be ordinary. A communication equipment manufacturer developed a cock, and after seeing it from MM, the style reversed instantly:
Below the port*
MM: What are you doing in this place? How can I write to you in my industry?
Me: Communication equipment manufacturing industry, for example, mobile phone…
MM: Are you selling mobile phones?
Me: No, it is to study mobile phones and then make mobile phones… (the landlord instantly feels that there is a cultural difference)
MM: Oh! Do you guys make iPhones? !
Me: No, the iPhone is made by a Kang next door.
MM: Then you are doing scientific research in this company, right? What kind of scientific research?
I’m right! I study how to make a mobile phone… (I don’t know why, I always feel that communication is a bit difficult)… For example, I am responsible for the XXXX module, and the XXX, XXX, XXX modules in the mobile phone are all responsible for me.
MM: Wow! That’s really great! (It’s not cold-faced anymore. I turned to adore my face. The smile is bright. MM smiles pretty.)
For the Hong Kong credit card, the landlord has also heard for a long time, so he hit the iron while hot, and he asked tentatively, if it is a mainland resident, the work unit and income source are in the mainland, living in the mainland, Hong Kong also has no fixed residence, can not provide proof of address, income Proof, waiting for such property certification documents, if such a situation requires a Hong Kong credit card, what conditions are required. After saying this, it seems that MM is even more excited than me. He ran to the background and got an application form for their newly-launched “Great Bay Dual Currency Card” for me to fill in. I asked this line? He said no problem, he helped me up. Feeling flattered. In this way, the landlord accidentally submitted a credit card application.
Finally reached: 0 open BOC savings card, did not allow to save money, and applied for a credit card. When you get the card, you need to go to the teller machine to check the balance once before you can activate it, and then you can use the automatic deposit machine to save money, otherwise you will continue to deposit the card, it is recommended to deposit 1W Hong Kong dollar. After the card is processed, the teller will give a laser printer an A4 paper booklet with the Hong Kong dollar account number, foreign currency account number, etc. It should be noted that when sending money to the BOC Hong Kong Savings Card, the UnionPay card number not starting with 62 must be filled in. The account number printed on the booklet.
The second stop, HSBC Exchange Square branch:
Early warning, HSBC Bank is more difficult, the card is very slow, the quality of the heart is not good, the one who is in a hurry, can’t bear the weird eyes, the skin is not thick, choose carefully. From 14 o’clock to 17:30, and until HSBC Bank was off work, Advance was issued, saying that there were 5,000 cards stored, but it was not available on the spot, and the office was only for people with Hong Kong ID cards. This Advance immediately You can get it, but you need to save 20W. In the end, Advance was done, the process was very complicated, and I was signed a bunch of life-long life insurance sales details of the informed table, telling me to sign first, it’s not a formal purchase, it doesn’t matter, and I don’t know if it’s really okay. No money saved. (Signed a bunch of life insurance-informed forms, and a blank version of the insurance information modification form, saying that it will be used when the Chinese address is subsequently changed into an English address. When the address is returned, they will have to translate it by themselves. Was it not pitted?)
As simple as possible:
- There is obvious resistance and exclusion to the mainland card opening, but after showing the business card, I found that he was quietly using Google to search for company information, and later his attitude was reversed.
- There is a dedicated person responsible for each link. It is exaggerated to receive a person. The person who examines the certificate asks the iPad to fill in a form, introduces a person to manage finance, approves whether to open a card, and checks whether the various signatures and documents are complete. The rating of the financial style assessment is one person (the financial style assessment is very ink, you have to ask you word by word, you have to answer it again, you answered him and repeat your answer again, recording.)…… The length of time is a bit ignorant .
- Various sets of personal information throughout the process, such as work industry? wage? Assets available for investment? How much money to buy? How much money can be left without moving? Do you buy insurance? Will it not invest? Will there be frequent transfer-in and transfer-out transactions? Asked over and over, and even asked a question three times. And said that HSBC has strict control and that the card use behavior does not match the actual transaction record. The headquarters will warn them that they will even freeze the transaction and withdraw the account, and they can no longer open an account with HSBC in the future. It’s a serious statement… the landlord doesn’t understand it, you are welcome to add it.
Finally, to summarize:
Take the Advance card, starting at 20W, no management fee, 60W can apply for HSBC Hong Kong credit card unconditionally.
Entry strip is required, and the ID card address is the home address can be used as proof of address.
The address of the ID card is the address of the company’s collective account.
If the ID card was handled during the period of collective registration, the company address is displayed on it. If you get an independent account book later, you must bring your account book.
At present, meat testing found that the 180th segment of Shenzhen Telecom could not receive SMS messages from HSBC and Wing Lung Bank. There is no problem with the visual data, and 86 is written in the front. The reason is unknown. I don’t know whether it is a number problem or a general problem. The use of HSBC online banking is blocked, and the SMS for Wing Lung Bank’s appointment to open an account cannot be issued. Everything is normal at BOCHK. Everyone pay attention, and share it.