Choice of High Net Value Persons:Opening Bank Accounts in Hong Kong and Macau

The Hong kong and Macao Account opening Program aims to help customers apply for Hong Kong/macao multi-currency international personal bank accounts and to provide a three-month account maintenance services for customers. Opening an account in Hong Kong/macao is the first step for overseas account opening. For Chinese customers who are eager to have an overseas account , Hong Kong /macao is currently the most convenient and fastest choice. You can open an account without going abroad and there is no language barrier after opening an account. Asset management and account usage are very convenient for users.

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Overseas cash withdrawal, credit card, online bank transfer, wire transfer, and bank account manager without cultural differences----These are the reasons for customers to choose Hong Kong and Macao. Hong Kong's global stock market makes it easy to trade stocks of Hong Kong, Singapore, the United States, Canada, Japan, Australia and the United Kingdom. It can trade up to 14 foreign currencies, support a variety of international currencies and always keep in touch with international trade. ATM cards can be used in various countries to facilitate the flexible use of funds. Hence, many high-net-worth clients want to open several accounts in Hong Kong /macao banks.


Policy tightening makes it more difficult to open accounts overseas

A number of internet news have shown that it is more and more difficult to open or maintain accounts overseas.

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As officially notified by the Hong Kong Monetary Authority,in recent years , international efforts in combating illegal activities including money laundering,terrorist financing and tax evasion have stepped up significantly. This,coupled with various sanctions regimes, have prompted banks to enhance their anti-money laundering and counter-terrorist financing controls in general ,including a more stringent customer due diligence process for existing and new customers. Therefore, compared with five or ten years ago, the account opening process is indeed more complex and requires longer time now.

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With the tightening situation of the World Bank, the implementation of bank compliance, the international anti-money laundering regulations and the signing of many multilateral agreements, it has become more and more difficult to open personal accounts in foreign banks. Customers who want to open an account in an overseas bank need to disclose their address certificate, background certificate, explanation of the source of funds. Moreover, even if the account is successfully opened, it does not mean that the account can be used forever. Some large asset customers fail to explain the reasons to the banks when they make transactions, which leads to the account being closed.


Ten Account Opening Program of Globevisa

Many customers choose unprofessional institutions to open accounts or DIY by themselves. The consequences are that the bank will ask customers to provide a lot of complex documents, and customers even need to go to the bank back and forth, which may leave a bad record in the bank.

How to solve the difficulties of opening accounts abroad? We hereby launch the ten Personal Bank Account Opening Program which are located in Asia, Europe and America.

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Globevisa will simplify the bank process and the account opening documents. Also,we will arrange a dedicated and experienced bank manager to help customers deal with bank compliance department, hence, there is no need for customers to provide a lot of explanations or various documents when they make transactions with their account.
Globevisa maintains a close relationship with many large commercial banks in these ten areas. We understand the internal operation mode of banks, grasp the first-hand information, prepare perfect account opening information for customers, provide free accompany services, and offer a three-month consultation and maintenance services after accounts opened, which provides many conveniences for customers to use their accounts properly.

The Hong kong and Macao Account Opening Projects

As an exceptionally competitive financial and business hub, Hong Kong remains one of the world’s most resilient economies. Hong Kong is ranked 1st among 43 countries in the Asia–Pacific region, and its overall score is well above the regional and world averages. As one of the three major international financial centers, Hong Kong has always been popular among international businessmen for its sound financial system and relaxed tax environment. In addition, Hong Kong's free financial market also attracted many well-known banks around the world to set up branches in Hong Kong.


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Macau’s currency is pegged to the Hong Kong dollar, which is closely tied to the U.S. dollar. As a free port, Macau has long benefited from global trade and investment. Other industires such as  finance, insurance, and real estate are also very prosperous.
For enterprises and individuals engaged in professional investment or international trade, it is necessary to open a bank account in Hong Kong/Macao which can not only satisfy savings, but also facilitate the management of funds.

As for the bank selectionsthere are seven international banks in Hong kong and two banks in macao for clients to choose.

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The total program time period will be in 1-2 weeks in normal cases.


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Our advantages

Why should you choose globevisa instead of other institutions ?

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1. GLOBEVISA has a close relationship with many large local commercial banks in Hong Kong/Macao, which can get bank internal information to customers and help customers maintain their accounts.

2. GLOBEVISA has a mature passport business. We has long history of passport and citizenship programs. Customers with a foreign passport to open an account can truly realize asset Management.

3. GLOBEVISA will provide excellent service, simplify the process of opening an account, improve the success rate of opening an account, and provide free consulting services for 3 months after the successful opening of an HK/Macao account, which will help customers to establish a good trust relationship with the bank and benefit the future account usage.

4. GLOBEVISA has the world's exclusive asset management solutions. Clients can manage their assets professionally by opening overseas account.


香港和澳门开户是境外开户中十分便捷快速的开户选择。对于开户人来说,香港和澳门地理位置便利,且开户后无语言障碍,沟通简单方便,对于之后的账户管理及使用来说均十分有利。

境外取现、刷卡、网银转账、电汇、无文化差异沟通顺畅的银行客户经理——这些都是选择香港和澳门的理由。香港纵横全球股市,轻松交易香港、新加坡、美国、加拿大、日本、澳洲以及英国等地的股票,可以进行多达14种以上的外币交易,随时与国际贸易接轨,支持多种国际货币。提款卡可以在各个国家取款,方便开户人自由灵活地管理资金。许多高净值人士均选择在香港和澳门开立多个银行账户。


政策紧缩,境外开户越来越难!

香港金管局官方发文表示,“国际社会大力打击洗钱、恐怖分子资金筹集等不法活动,加上各种形式的制裁行动,促使银行普遍加强了相关的管控,包括对现有客户及新客户进行更严格的客户尽职调查。因此与五年前十年前相比,现时开户的程序确实复杂了,所需要的时间也较以往更长。”

总结来说,随着世界银行局势的收紧,银行合规,国际反洗钱规定和众多多边协议的签订,在境外银行开立个人账户变得越来越难,各个银行的监管越来越严格。客户想要在境外银行开立账户除了需要提供个人信息以外还要提供地址证明、背景证明、资金来源解释等等,而且就算成功在境外开户还不代表账户终生可使用,无数大资产客户的境外银行账户在资金往来时未向银行解释清楚原因,导致账户被无故关停。


环球十大境外开户项目

许多开户人会选择不专业的机构或者自己DIY办理开户,所导致的后果就是可能被银行要求提供大量的开户文件并反复往返银行进行递交,甚至在银行留下不好的开户记录。

那么如何为客户解决在境外开户难的问题呢?特此我们推出环球十大开户项目,范围覆盖亚洲、欧洲和美洲。其中亚洲的项目有香港开户、澳门开户、新加坡开户、台湾开户、泰国开户和格鲁吉亚开户,欧洲的项目有葡萄牙开户和希腊开户,美洲的项目有美国开户和加拿大开户。

环球了解银行内部运作模式,掌握银行一手信息,为客户准备完善的开户资料,提供免费陪同开户服务,成功开户后提供为期3个月的后期协助咨询服务。


港澳开户项目

香港,作为国际三大金融枢纽之一,素来都以完善的金融体系以及轻松的税收环境广受国际商务人士的喜爱。此外,香港金融市场服务规范,面向全球开放,也吸引着世界各地有名的银行在香港设立分行或支行。位于粤港澳大湾区澳门,受到广深港三大金融重镇的优势影响,银行和保险业的行业增加值在GDP的占比由4.6%上升至7%,显示了澳门金融业平衡经济结构的发展潜力无论对企业还是个人来说,开设一个既可满足储蓄,又可以方便资金管理的香港和澳门银行账户是一个非常必备的选择。

在银行选择方面,香港银行目前有七大国际知名银行可选:渣打银行、花旗银行、星展银行、汇丰银行、恒生银行、华侨永亨银行和东亚银行;澳门银行目前有千禧澳门银行和立桥银行供开户人进行选择。

从收集开户资料到提交银行预审,再到赴港赴澳一次开立账户,香港开户和澳门开户整体的开户周期一般在1-2周以内,有着简短的开户周期和高效的开户速度。


为什么要选择环球?

1. 环球与多个国家和地区的多所大型商业银行有着密切的合作关系,了解真实的银行内部信息,为账户开立简化资料,缩短周期。

2. 环球有多年成熟的护照业务,同样能够办理外籍人士的开户项目,帮助外籍人士实现财富管理。

3. 环球提供3个月的后续账户指导维护服务,能够帮助开户人和银行保持良好的关系,协助维护账户的使用安全。

4. 环球作为专业财富管理方案提供者,能够协助开户人开立并维护境外账户,实现资金的管理与规划。


本内容仅供参考,具体以本公司解释为准
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