Differences between HSBC Premier Account and Ordinary Account

The credit line of excellent accounts will be higher, and ordinary accounts can only apply for general business operations.

HSBC Premier account has more services than ordinary account:

HSBC has two personal accounts: one is Excellence. The total deposit or wealth management must be HK$ 1000000 yuan. If it is insufficient, the monthly management fee of HK$ 380 will be deducted. The first is logistics. The total deposit or wealth management should be HK$ 200,000. If it is insufficient, the monthly management fee of HK$ 120 yuan will be deducted.

HSBC Premier account is very convenient:

Some Chinese banks can't even transfer money between Hong Kong and the mainland in the process of transferring money to Hong Kong accounts. For example, CITIC and Minsheng Hong Kong accounts cannot be returned to mainland accounts. Transfer or collection can only be realized through other bank accounts in the mainland, such as CCB, BOC and China Merchants Bank. However, like foreign-funded HSBC, their service networks are generally global, overseas networks are developed, and international remittances are also quite fast.

Advantages of HSBC Premier Account in Hong Kong:

(1) The use of foreign banks is relatively flexible, and cross-border transfers arrive in real time; And there is no cross-border remittance failure, and you can occasionally receive money from the company;

(2) There is a physical card, which supports domestic ATM withdrawals and global transfers. After adding the payee, the transfer limit of 3 million a day is absolutely enough;

(3) As a status symbol, there is no handling fee for global transfer; Outstanding HSBC cardholders with high international reputation;

(4) The financing interest of HSBC brokers is as low as 1~2% (Hong Kong stocks play a new killer); It's easy to transfer money with brokers, Hong Kong local, EDDA, fast remittance is free; Hong Kong local FPS remittance is free;

(5) Transfer of personal credit records in HSBC's global financial system, transferring domestic accumulated credit overseas, and helping customers to apply for car loans, consumer loans and mortgages overseas.

(6) HSBC has Chinese customer service staff in 67 countries and regions around the world. Regardless of global asset allocation, overseas travel, immigration or overseas home purchase, HSBC will provide convenient and thoughtful services on a global scale.