之前開左個barclays離岸戶口，原先開戶三個月內存入GBP25,000(或等值貨幣)(~HKD256,000)就可以。2022年3月，收到Barclays電郵，話要提升最低存款額到GBP100,000(或等值貨幣)(~HKD1,024,000)，meet唔到就要比GBP40(~HKD411)月費。RM服務仲要GBP250000(~HKD2,560,000)先會提供。
我估應該都真係幾多香港人去申請， 所以佢哋要cut客去維持返佢服務質素。唔緊要啦，我哋係窮架啦，所以做左幾日功課，睇下要點轉窮人離岸戶口先。
因為自己對數字唔算敏感，所以最好都係活用excel。以下係3/2022大致嘅匯率，起碼對各大bank嘅要求，大概有個心理準備。
因應自己需要，去因將會放幾多錢向離岸戶口。由於唔想將所有雞蛋放向同一個籃，我自己嘅打算係藍色果行，亦係原先放向Barclays嘅數目。如果諗住移民買樓嘅，咁梗係唔止呢一個數啦。
| GBP | USD | HKD | EUR | CHF |
| £1.00 | $1.32 | $10.24 | €1.20 | CHF1.22 |
| £25,000 | $32,905 | $256,000 | €30,000 | CHF30,500 |
| £100,000 | $131,620 | $1,024,000 | €120,000 | CHF122,000 |
| £250,000 | $329,049 | $2,560,000 | €300,000 | CHF305,000 |
然後了解番，究竟你想選擇傳統銀行（有實體銀行）、虛擬銀行（virtual bank）、定係證券行(securities broker)。
然後我按住：管轄權(jurisdiction)，貨幣(currency)，存款保障(protection)，網上申請(online)，需要護照(passport)，地址/電話限制(residential)，存款最低要求(min. req.)，提款咭(debit card)。盡可能列出所有要求，再選擇自己需要嘅服務。
而我自己嘅選擇，就係因為我哋冇移民，雖然有BNO（依家97後香港出世嘅都可以申請返，當然要符合某些條件），住址電話號碼仍然仲係香港，但係又唔夠錢去開本地銀行嘅離岸戶口，又唔肯比月費管理費。所以英國本地傳統銀行就已經唔侵我哋玩。至於證券行，呢舊錢我哋純粹係想要來儲蓄，唔係諗住做投資用，所以我哋亦都唔考慮。最後唯有搵啲多人用嘅虛擬銀行，將來如果有需要亦可以申請提款咭(debit card)，進可攻退可守。
所以暫訂，我地選擇左開Dukascopy – Multi-Currency Account。詳情請見。
| Jurisdiction | Currency | Protection | Online application | Passport | residential | Min. req | Debit Card | Remarks | ||
|
1. Traditional bank
|
||||||||||
| HSBC Expat | UK |
GBP50000(HKD50w)
|
HKSAR/BNO | £50,000 | HK premier | |||||
| Lloyds bank | Uk | GBP50000(HKD50w) | Yes | HKSAR/BNO | N/A if you are in UK | £25,000 | GBP7.5 monthly charge | |||
| Santander |
25000-75000
|
gold bank account, no monthly fee | ||||||||
| Barclays | UK | GBP, USD, EUR |
GBP50000(HKD50w)
|
HKSAR/BNO | £100,000 | England | GBP25000 since 6/2020 | |||
| 2. Virtual Bank | ||||||||||
| Monzo | UK | GBP | FSCS; GBP85000(HKD81w) | Yes | BNO | England | Master | strict, will check vpn IP and phone no. | ||
| Monsee | UK | GBP, EUR | ||||||||
| Revolut | UK | GBP, HKD, USD, EUR | 立陶苑 | Yes | BNO | Europe | ||||
| N26 | Germany | xGBP | EUR100000(HKD85w) | Yes | HKSAR/BNO | Europe | Master | |||
| Dukascopy -Multi-Currency Account | Swiss | GBP, EUR, USD | FINMA; CHF100000(HKD87w) | app | HKSAR/BNO | N/A | 0 | CHF2 monthly charge(~HKD2x) | 24hr hotline; 賬戶維護費可豁免; 一般都被預設為 US$5,000 季度存款限額 及 US$50,000 總存款限額。賬戶存款若高於 US$50,000，每年需支付 0.4% 的賬戶維護費。 |
EUR and CHF, have lower charge (~HKD2x); USD (~HKD3xx) GBP (~HKD15x) |
| Starling Bank | England | Europe | ||||||||
| Transferwise | NO | BNO | England | savings only | ||||||
| 3. Securities Broker | ||||||||||
| Firstrade | US | SIPC; USD500,000(HKD390w) | Yes | HKSAR/BNO | 0 | apply if more than USD25000 | withdrawn fee USD35 | |||
| Charles Schwab (intl) | US | SIPC; USD500,000(HKD390w) | Paper form | BNO | Overseas | USD25,000 | for overseas address only | can use Wise to transfer | ||
| Interactive Brokers (IB) US | US | SIPC; USD500,000(HKD390w) | HKID/HKSAR | HK | USD10000 | USD10 monthly | ||||
| TD Ameritrade (HK) | SIPC; USD500,000(HKD390w) | HKSAR/BNO | HK | fps okay |
離岸戶口合集
- Barclays – 起手篇
- Barclays – 準備文件篇
- Barclays – 填表篇
- Barclays – 開戶篇
- Barclays – 開立手機銀行、網上銀行
- [離岸戶口] Barclays 增加入場費，仲有咩離岸戶口嘅選擇？
- [離岸戶口] 虛擬銀行 Dukascopy – Multi-Currency Account 開戶篇 (多圖)
- [離岸戶口] 虛擬銀行 Dukascopy – Multi-Currency Account 成功開戶
銀行類