Steps to apply for opening an account: HSBC does not have much information to prepare for opening an account, only need to provide ID card, passport, proof of address for the last three months and bank running water. The flowing water of a bank proves its economic strength well. After all, banks are financial institutions, making money is the first priority, and they will look down on people. Proof of address can be water and electricity list, bank credit card bill, etc. It's all kinds of documents with your address written on them. Hong Kong bank accounts also have various functions, which can be used for Hong Kong dollar savings accounts, Hong Kong dollar current accounts, foreign currency savings accounts, gold accounts, fixed accounts, stock accounts, fund accounts and so on. There is no problem with financial management and stock trading in the later period. There are two kinds of HSBC personal accounts: one is called Excellence, and the deposit amount or total wealth management needs 100000 Hong Kong dollars. If it is insufficient, the monthly management fee will be deducted from HK$ 380. One is called logistics, and the deposit amount or total financial value needs HK$ 200,000. If it is insufficient, the monthly management fee of HK$ 120 will be deducted. Finally, last year, the Hong Kong Monetary Authority asked all non-Hong Kong residents (mainly mainland customers, you know) to check the purpose of opening an account. If you are honest and say that you just want to send some foreign exchange or pay insurance to your children, and occasionally use a credit card to shop or something, then you will pass 100%, and there is no need to talk about it later. So when you encounter this problem, try to be as high as possible. We can talk about the recent interest rate hike by the Federal Reserve, the depreciation of the RMB, and the desire to open an account in Hong Kong and enjoy the benefits brought by the appreciation of the US dollar. The possibility of success will be greatly increased.