Recently, the Hong Kong company account came a very important news - Hong Kong HSBC account opening information requirements for mainland customers, officially relaxed.

The most important point is:👉 It is no longer mandatory to provide “information on companies with mainland China ties”

What does that mean?

In the past, many clients were simply stuck at the door because there was no established mainland company;

And now - individual entrepreneurs, e-commerce sellers, start-up teams, all have the opportunity to apply for an account directly.

But please note: Relaxation ≠ No Threshold

HSBC's core logic remains unchanged:

👉 You must demonstrate that “you have a real, sustainable, experienced business”

Today, the enterprise financial surplus (Online customer service WeChat：jxhqcy890 / Mobile：16625410105) This article explains everything you need to know in one go 👇 The latest requirements for Hong Kong companies opening a HSBC business account 👇

I. E-commerce Industry (the category with the highest pass rate)

If you’re involved in cross-border e-commerce, run an independent website, or are a platform seller, you’re currently in the group that finds it easiest to open an account.

What You'll Need:

1️⃣ E-commerce Platform Terms of Service

(👉 No more need for store screenshots or sales data)

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2️⃣ Shareholders' Mainland Social Security Records for the Past Two Years

✔ Must be related to e-commerce or a related industry

✔ At least 2 years of work experience

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3️⃣ Shareholders' bank statements for the past 6 months (select any 2 months)

✔ Must show that wages have been paid

✔ And it must match the employer listed on your social security records

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📌 Core Logic:

Banks are assessing whether you are “someone who is genuinely involved in e-commerce.”

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II. Startups (New Companies Can Now Be Established)

No business? No revenue?

It used to be very difficult, but now it can be solved through a “business plan.”

What You'll Need:

1️⃣ Business Plan (Key Points)

✔ Be sure to clearly state:

Who Are Our Future Customers (Buyers)?

Who is the supplier?

In which countries, respectively?

👉 The more specific you are, the higher your chances of passing.

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2️⃣ Shareholders' Social Security Records for the Past Two Years

✔ The industry must align with future business needs

✔ At least 2 years of experience

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3️⃣ Shareholders' bank statements for the past 6 months (select any 2 months)

✔ The source of your salary income must be indicated

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📌 Core Logic:

The bank is assessing whether you have “the ability to get the job done.”

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III. Science and Technology Innovation Sector (Subject to the Strictest Review)

Suitable for: Technology, software, AI, and R&D companies

What You'll Need:

1️⃣ Proof of Professional Background

✔ For example: industry experience, project experience

✔ Or verify via an online search (e.g., public records)

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2️⃣ Shareholders' Social Security Records for the Past Two Years

✔ Must be related to technology or the industry

✔ At least 2 years of experience

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3️⃣ Shareholders' bank statements for the past 6 months (select any 2 months)

✔ Display payroll records

📌 Core Logic:

Banks are assessing whether you truly “understand this industry.”

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To sum it up in one sentence

The essence of this policy is: 👉 A shift from “looking at the company” to “looking at the person”

We won't ask you anymore if you have a company in mainland China,

Instead, look at:

✔ Do you have any experience in this industry?

✔ Do you have any actual income?

✔ Is your future business plan feasible?

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⚠️ Final Reminder (Very Important)

Although the policy has been relaxed, the following cases are still difficult to approve:

❌ No social security records

❌ Industry experience does not match

❌ Bank statements cannot prove the source of income

❌ The business plan is too vague

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👉 In short:

It can be a new company, but it cannot be a “shell company.”

Is now a good time to open an account?

My advice is straightforward:

👉 It's a good fit, and it's a temporary opportunity.

Bank policies are subject to frequent changes,

Right now is a relatively “easier period,” but the further we go, the greater the uncertainty will be.

There are many banks in Hong Kong, but not every bank is suitable for opening a business account. If you choose the wrong bank, there’s a high risk of your application being rejected. If you’re unsure which bank is best for your company, don’t know how to structure your account setup to ensure protection, or would like me to help you customize a solution, please scan the QR code to contact our online customer service.(Micro-signal: jxhqcy890 / Mobile: 16625410105)We will arrange professional managers to answer your questions and provide professional advice andFull one-on-one service ↓↓↓