{"id":14925,"date":"2026-08-17T09:28:18","date_gmt":"2026-08-17T01:28:18","guid":{"rendered":"https:\/\/www.qicaiying.cn\/archives\/14925"},"modified":"2026-09-01T17:42:49","modified_gmt":"2026-09-01T09:42:49","slug":"2026%e5%8d%8e%e7%be%8evelo%e5%8f%88%e5%8d%87%e7%ba%a7%ef%bc%9a2-5%e4%b8%87%e7%be%8e%e9%87%91%e9%97%a8%e6%a7%9b%e6%9c%ac%e5%9c%9f%e8%b4%a6%e6%88%b7%e5%af%b9%e6%af%94%ef%bc%8c%e8%b7%a8%e5%a2%83","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/14925","title":{"rendered":"2026 Huamei Velo Upgraded Again: $25,000 Minimum Balance + Comparison with Local Accounts\u2014Which Should Cross-Border Investors Choose?"},"content":{"rendered":"
\n

<\/p>\n

Mr. Guo from Shanghai opened a Huamei Velo account in 2023. After upgrading his account on July 15 of this year, the system sent him a notification stating that his account must maintain an average daily balance of $25,000; otherwise, a monthly account management fee of $25 will be deducted.<\/p>\n

He\u2019s been selling on Amazon U.S. for five years, with annual sales of $2 million. He usually keeps only $50,000 in his account for working capital, while the rest is held in PingPong.<\/p>\n

He wasn't \u201dkicked out,\u201d but rather \u201dassigned to the Velo Gold customer segment\u201d\u2014the new policy involves tiered service: accounts with balances under $25,000 are placed in Velo Standard, which requires a monthly fee; accounts with balances over $25,000 are placed in Velo Gold, which is free and offers upgraded features.<\/p>\n

This is the biggest change in the U.S. bank card market in 2026\u2014<\/p>\n

Huamei Velo has scaled back its \u201dremote account opening + zero management fees\u201d offerings and is refining its tiered service model; the other three established banks (BoA, Chase, and HSBC USA) are also readjusting their account opening policies for mainland residents.<\/p>\n

01<\/p>\n

After the upgrade, Huamei Velo now has three speed settings<\/p>\n

Under the new rules effective July 15, 2026, Huamei Velo has divided its customers into three tiers:<\/p>\n

Velo Standard<\/strong>: Average daily account balance of $0\u201325,000. Monthly account maintenance fee of $25. Free ACH transfers, free Visa card transactions, and free ATM withdrawals (up to 5 per month).<\/p>\n

Velo Gold<\/strong>: Average daily account balance of $25,000\u2013$100,000. No monthly fee. Includes a dedicated account manager, 10 free international wire transfers per month, and no fees for ATM withdrawals abroad.<\/p>\n

Velo Premier<\/strong>: Average daily account balance of $100,000 or more. No monthly fees. Includes a Chinese-speaking account manager, family account management, and cross-border structuring consulting.<\/p>\n

\ud83d\udccc The key change is that Velo Standard hasn\u2019t been \u201dcanceled\u201d but rather \u201dsubjected to a fee increase.\u201d With a monthly fee of $25 or an annual fee of $300, this doesn\u2019t pose a barrier for sellers with annual revenue in the millions of dollars, but it\u2019s a deterrent for smaller sellers.<\/strong><\/p>\n

02<\/p>\n

The Fundamental Difference Between Huamei Local Accounts and Velo<\/p>\n

Many mainland customers do not understand the difference between Velo and Huamei\u2019s domestic accounts, and the gap between the two will continue to widen in 2026:<\/p>\n

Velo Account<\/strong>: Mainland residents can open an account remotely via video call without having to travel to the U.S. Account opening takes 1\u20132 weeks. The account supports ACH transfers, wire transfers, and linking to U.S.-based payment methods (PayPal\/Apple Pay). No SSN, no U.S. credit history, and no eligibility for U.S. interbank clearing.<\/p>\n

Huamei Local Account (East West Bank Full-Service Account)<\/strong>: You must travel to the United States in person to attend an in-person interview at any branch in California, New York, or Texas. The account will be opened on the same day. Once the account is opened, you can apply for an SSN (Social Security Number), build credit in the U.S., apply for credit cards, and take out mortgages and auto loans.<\/p>\n

Local accounts are suitable for people who \u201dplan to live in the U.S. long-term, intend to immigrate, or want to build credit in the U.S.\u201d<\/p>\n

Velo is ideal for people \u201dliving in mainland China who need to receive payments from U.S. e-commerce platforms or settle cross-border transactions.\u201d<\/p>\n

The two can coexist. Mr. Guo went on a business trip to the U.S. once this year and opened a Huamei local account while he was there; upon his return, he continued to use Velo to handle his daily U.S. transactions.<\/p>\n

03<\/p>\n

Under the New Rules, How Should These Three Categories of Cross-Border Travelers Choose?<\/p>\n

Category 1: Small sellers with annual sales of less than $500,000.<\/strong><\/p>\n

I recommend using Velo Standard; the annual $300 management fee is reasonable. However, you\u2019ll need to maintain an average daily balance of at least $10,000 to avoid being classified as an \u201dinactive account\u201d by the Velo system.<\/p>\n

Or turn directlyPingPong, Wanlihui, Lianlian<\/strong>With these cross-border payment platforms, the multi-currency accounts they set up for you are mostly linked to the U.S. clearing network, with no monthly fees and no maintenance fees.<\/p>\n

Category 2: Medium-sized sellers with annual sales of $1 million to $5 million.<\/strong><\/p>\n

We recommend upgrading directly to Velo Gold. Maintain an average daily account balance of at least $25,000 to enjoy zero monthly fees, free international wire transfers, and a Chinese-speaking account manager.<\/p>\n

For those with larger funds, we recommend opening both a Velo Gold account and a Huamei domestic account. The domestic account is used for building U.S. credit, securing mortgages and auto loans, and managing family accounts.<\/p>\n

Category 3: Large sellers\/brands with annual revenue of $5 million or more expanding into international markets.<\/strong><\/p>\n

We recommend the three-part package consisting of Velo Premier, a Huamei domestic account, and an offshore structure (Hong Kong limited company + BVI company).<\/p>\n

Velo Premier\u2019s family account and cross-border structuring advisory services are the most in-demand services for high-net-worth individuals engaged in cross-border transactions.<\/p>\n

Mr. Guo chose to open both a Velo Gold account and a Huamei local account. He said, \u201dThe local account is enough for my once-a-year trip to the U.S.; Velo handles all my day-to-day transactions.\u201d<\/p>\n

04<\/p>\n

The Three Most Common Pitfalls for Cross-Border Professionals<\/p>\n

Pitfall #1: Holding a large amount of USDT in a standard Velo account.<\/strong><\/p>\n

The Velo system does not accept direct USDT deposits, but many customers sell their USDT and then wire the proceeds in U.S. dollars to Velo, which U.S. regulators identify as \u201dsuspicious cross-border funds.\u201d<\/p>\n

Starting in Q2 2026, Velo will require a full explanation of the source of funds for non-salary income exceeding $50,000 per transaction.<\/p>\n

Pitfall #2: Mistaking Velo for a U.S. bank account when applying for a U.S. mortgage.<\/strong><\/p>\n

Velo does not offer FDIC deposit insurance in the U.S., does not require an SSN, and cannot support U.S. mortgages or auto loans. Any broker who claims that \u201da Velo account can be used for a U.S. mortgage\u201d is misleading.<\/p>\n

Pitfall #3: Providing a fake address when opening an account remotely.<\/strong><\/p>\n

Some customers provide the address of a friend in the U.S. or a virtual office address to pass KYC verification. In 2026, the Velo system will conduct a \u201dsecondary video verification\u201d for such addresses. If a false address is detected, the account will be closed immediately and any remaining balance will not be refunded.<\/p>\n

\ud83d\udccc Mr. Guo\u2019s experience is that when signing up for Velo, entering a real address in mainland China plus a backup contact address in the U.S. actually makes the KYC process go more smoothly than \u201dpretending to be in the U.S.\u201d<\/strong><\/p>\n

Velo is not a one-size-fits-all card; it is a \u201dtool for U.S. region payments.\u201d Those engaged in cross-border transactions should combine Velo, local accounts, payment collection platforms, and Hong Kong bank accounts into a single portfolio and manage them in tiers based on the intended use of funds.<\/p>\n

The upgraded Velo, launched on July 15, 2026, represents a proactive effort by Huamei to refine its customer base. The customers who remain are all cross-border e-commerce professionals who are genuinely doing business in the U.S. and Canada.<\/p>\n

<\/p>\n

Scan the QR code to add Qicaiying\u2019s online customer service<\/p>\n

\u2014\u2014 E N D \u2014\u2014<\/p>\n

\n

\ud83d\udccc Recommended Articles from Previous Issues<\/p>\n

\u25b8 Comparison of Data from Four Major Platforms for Chinese Sellers Expanding Overseas in the Second Half of 2026<\/a><\/p>\n

\u25b8 2026 OCBC Bank Singapore Remote Account Opening: Global Transfers with Zero Management Fees<\/a><\/p>\n

\u25b8 How to Open a Bank Account in Hong Kong in 2026? A Practical Comparison of HSBC, BOC, and Standard Chartered<\/a><\/p>\n

\u25b8 Crypto Assets Are Not a Lawless Zone: 2026 CARF+CRS Double Penetration<\/a><\/p>\n<\/div>\n

\n

As a professional one-stop business service platform, Qicaiying is committed to providing our clients with high-quality services, including mainland company registration, Hong Kong company registration, offshore company registration, bookkeeping and tax filing, annual reviews and audits, corporate bank account opening, financial and tax compliance, equity structuring, ODI filing, cross-border e-commerce services, Hong Kong residency, immigration, and study abroad\u2014all designed to support businesses in their global expansion. Feel free to add me on WeChat (phone number and WeChat ID are the same: 18620388671) for inquiries at any time.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Mr. Guo from Shanghai opened a Huamei Velo account in 2023. 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