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Greater Bay Area

Bridging the GBA. Spanning the globe.

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Get the most out of the Greater Bay Area

Opportunity awaits in the Guangdong-Hong Kong-Macau Bay Area, also known as the Greater Bay Area (GBA). Whether you explore the GBA for leisure, education, banking services or more, HSBC can help.

We've been doing business for more than 150 years, and established an international network and leading market positions in Hong Kong and the Pearl River Delta region (PRD).

We can help you manage your growing cross-border needs, with diversified banking services solutions and professional advisory teams so you can make the most out of every new opportunity.

You can access our comprehensive banking services and support in Greater Bay Area, no matter through digital banking channels if you're at home, or visiting our branches.

HSBC Greater Bay Area Customer Service Hotline

400-920-3827

(Personal Banking Only)

(24H, Mon - Sun)

Comprehensive personal banking support across the GBA

Wealth Management Connect

On 29 June 2020, the People's Bank of China, the Hong Kong Monetary Authority and the Monetary Authority of Macau jointly announced the Cross-boundary Wealth Management Connect Pilot Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area (GBA). This Cross-boundary Wealth Management Connect Scheme lets eligible residents in mainland GBA cities, Hong Kong and Macau invest in Cross-boundary wealth management products in each other's market via a closed-loop funds flow. On 10 September 2021, implementation arrangements of the Cross-boundary Wealth Management Connect Scheme has officially been announced. Mainland banks may start offering Cross-boundary WMC services upon receiving relevant regulatory approvals. For more information, please visit PBOC website

Cross-boundary Wealth Management Connect consists of both the Southbound and Northbound scheme. The aggregate investment quota for both Southbound and Northbound is RMB150 billion each. Individual investors each have an investment quota of RMB1 million.

The Southbound scheme allows eligible residents in mainland GBA cities to open designated investment accounts with participating banks in Hong Kong and invest directly in eligible investment products.

You are eligible for the Southbound scheme if you:

(1) Having full capacity for civil conduct;

(2) Have household registration in 9 cities in the Guangdong-Hong Kong-Macao Greater Bay Area or have paid social security or personal income tax in 9 cities in the Guangdong-Hong Kong-Macao Greater Bay Area for 5 consecutive years;

(3) Having more than 2 years of investment experience, and satisfying that the monthly balance of household financial net assets in the last three months is not less than RMB 1 million, or the monthly balance of household financial assets in the last three months is not less than RMB 2 million.

Eligible products 

  • Funds - domiciled in Hong Kong and authorized by the SFC, non-complex and with low to medium risk 
  • Bonds - non-complex and with low to medium risk 
  • RMB, Hong Kong dollar and foreign currency deposits. Examples of foreign currency including US dollar, Australian dollar, Canadian dollar, Swiss Franc, Euro, Japanese Yen, UK Pound Sterling, New Zealand dollar and Singapore dollar

Cross-boundary Wealth Management Connect will be another crucial scheme in promoting cross-border investment following the Bond Connect, Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect. We aim to continue providing our customers with outstanding services so they can seize international investment opportunities.

Want to learn about the latest opportunities, insights, developments and activities in the GBA?

To learn more, leave us your contact details and we'll contact you in 1-2 business days.

Why does Cross-boundary Wealth Management Connect matter to you?

The Cross-boundary Wealth Management Connect in Guangdong-Hong Kong-Macao Greater Bay Area (GBA) can facilitate eligible GBA residents to conduct cross-boundary investment and create a quality living environment for residents within the GBA.

The Cross-boundary Wealth Management Connect in Guangdong-Hong Kong-Macao Greater Bay Area (GBA) can facilitate eligible GBA residents to conduct cross-boundary investment.

Before

It was difficult to invest between 9 Mainland GBA cities and Hong Kong & Macau.

Beforehand, it was difficult to invest between 9 Mainland GBA cities and Hong Kong & Macau.

After

Bridging the gap and helping customers meet their wealth management needs in Greater Bay Area.

Cross-boundary Wealth Management Connect is bridging the gap and helping customers meet their wealth management needs in Greater Bay Area.

What is Cross-boundary Wealth Management Connect?

Cross-boundary Wealth Management Connect in the GBA enables individual residents in the GBA to carry out cross-boundary investment in wealth management products distributed by banks in the GBA.

The People’s Bank of China, the Hong Kong Monetary Authority and the Monetary Authority of Macao jointly announced the framework for the Pilot Scheme. Cross-boundary Wealth Management Connect comprises Southbound and Northbound schemes for mainland GBA residents and Hong Kong and Macau residents, respectively. Eligible customers need to open remittance and investment bank accounts within the GBA.

Cross-boundary Wealth Management Connect in the GBA enables individual residents in the GBA to carry out cross-boundary investment in wealth management products distributed by banks in the GBA.

How do the individual and market quotas work?

Investors can fund in to the maximum of their individual quotas. At the same time, other investors will be funding in at different amounts up to the aggregate market quota.

Investors can fund in to the maximum of their individual quotas. At the same time, other investors will be funding in at different amounts up to the aggregate market quota.

Want to learn about the latest opportunities, insights, developments and activities in the GBA?

To learn more, leave us your contact details and we'll contact you in 1-2 business days.

HSBC Pulse Credit Card

Make the most of the GBA with

  • RMB100 discounts on amusement park tickets for 40,000 points, twice a year

  • RMB50 discounts on transport tickets for 20,000 points, twice a month

  • 3 times reward points for overseas spending

Home Mortgage Loan

Your one-stop service from consulting to application. Open to residents both within and outside mainland China. Includes home mortgage loans in Guangzhou, Shenzhen, Zhuhai, Dongguan, Foshan, Zhongshan for eligible residents from Hong Kong and Macau.

  • One-to-one service from our mortgage loan advisers

  • Free services: legal assistance, property valuation, mortgage contract notarisation, and property insurance throughout mortgage tenor

  • Currencies offered in RMB, HKD, USD

Worldwide status and support no matter where you are

 
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As an existing HSBC Jade client in mainland China, Hong Kong SAR, or Singapore, you can now enjoy the Jade Passport within these countries / region.  Your Jade status in one country / region unlocks access to selected exclusive products, preferential rates, discounts and an enhanced level of service in these three Asia markets.

 
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Dedicated support is provided no matter where you are in the world. Being Premier doesn't stop when you cross the border. You'll get Premier status, wherever you bank with us.

 
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We understand your needs, and can provide you with financial services for studying overseas (including appointment booking services for overseas account opening), global transfers, worldwide emergency assistance and other related financial products, services, benefits and wealth planning support.

Note:

The contents under Cross-boundary Wealth Management Connect are based on “Implementation Arrangements for the Cross-boundary Wealth Management Connect Pilot Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area” released by The People's Bank of China Guangzhou Branch and Hong Kong Monetary Authority on 10 Sep 2021. They are not descriptions of our current services. Please note that the content may be subject to changes in the relevant regulations and laws.