{"id":15857,"date":"2026-08-24T09:45:46","date_gmt":"2026-08-24T01:45:46","guid":{"rendered":"https:\/\/www.qicaiying.cn\/archives\/15857"},"modified":"2026-09-01T17:27:01","modified_gmt":"2026-09-01T09:27:01","slug":"%e5%8d%8e%e7%be%8evelo%e5%88%86%e4%b8%89%e6%a1%a3%e5%90%8e%ef%bc%8c%e4%b8%ad%e5%b0%8f%e5%8d%96%e5%ae%b6%e8%bf%98%e5%80%bc%e5%be%97%e5%bc%80%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/15857","title":{"rendered":"Now that Huamei Velo has been divided into three tiers, is it still worth it for small and medium-sized sellers to use it?"},"content":{"rendered":"
\n

<\/p>\n

Mr. Guo, who runs a business on Amazon US, received a push notification from Huamei Velo on July 15 of this year stating that if his account's average daily balance falls below $25,000, a monthly management fee of $25 will be deducted.<\/p>\n

He usually keeps only $50,000 in his account for day-to-day expenses, so his balance suddenly fell below the Velo Gold threshold. He\u2019s torn: Should he keep using this card?<\/p>\n

The biggest change in the U.S. bank card market in 2026 is that Huamei Velo has narrowed the scope of its \u201dzero management fee for remote account opening\u201d service and refined its tiered service offerings. Today, let\u2019s discuss how small and medium-sized merchants should choose.<\/p>\n

01<\/p>\n

How exactly are the three gears on the Velo divided?<\/p>\n

Under the new rules effective July 15, 2026, Huamei Velo categorizes customers into three tiers. Velo Standard: Average daily balance of $0 to $25,000; $25 monthly account maintenance fee; includes free ACH transfers, a free Visa card, and five free ATM withdrawals per month.<\/p>\n

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

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

The key change is that the Standard plan wasn\u2019t \u201dcanceled,\u201d but rather \u201dsubject to a fee increase.\u201d The $300 annual fee acts as a deterrent for small sellers, but it doesn\u2019t pose a barrier for sellers with annual revenue in the millions of dollars.<\/p>\n

02<\/p>\n

Velo and local accounts are two different things<\/p>\n

Many mainland clients have not distinguished between Velo and Huamei local accounts, and the gap between the two will continue to widen in 2026.<\/p>\n

Velo: Mainland residents can open an account remotely via video call without having to travel to the U.S.; the process takes 1 to 2 weeks. It supports ACH transfers, wire transfers, and linking U.S.-based payment methods. However, it does not require an SSN, a U.S. credit history, or eligibility for U.S. interbank clearing.<\/p>\n

Huamei Local Account: The account holder must travel to the U.S. to attend an in-person interview at a branch. The account is opened on the same day and allows you to apply for an SSN, build U.S. credit, and apply for credit cards and mortgages. This account is suitable for those planning to live in the U.S. long-term and considering immigration.<\/p>\n

The two can coexist. Mr. Guo opened a local account while on a business trip to the U.S. and continued to use Velo to handle his daily U.S. transactions after returning. Velo is a \u201dtool for processing U.S. transactions,\u201d not a \u201dfull-featured U.S. bank account.\u201d<\/p>\n

<\/p>\n

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

03<\/p>\n

How to Choose Among the Three Types of Cross-Border Professionals<\/p>\n

Category 1: Small sellers with annual turnover of less than $500,000. Use Velo Standard; the annual management fee of $300 is acceptable, but maintain an average daily balance of at least $10,000 to avoid being classified as an \u201dinactive account.\u201d Alternatively, you can switch to multi-currency accounts with no monthly fees, such as PingPong or Wanlihui.<\/p>\n

The second category consists of medium-sized sellers with annual turnover ranging from $1 million to $5 million. These sellers can upgrade directly to Velo Gold; by maintaining an average daily balance of at least $25,000, they enjoy no monthly fees, free cross-border wire transfers, and a Chinese-speaking account manager. Sellers with larger capital reserves can open additional Huamei local accounts.<\/p>\n

The third category consists of large sellers with annual turnover exceeding $5 million. The \u201cthree-part package\u201d\u2014Velo Premier, China-U.S. local accounts, and offshore structures\u2014along with consulting on family accounts and cross-border structures, are the services most in demand among high-net-worth clients.<\/p>\n

04<\/p>\n

The Three Most Common Pitfalls<\/p>\n

Pitfall #1: Depositing large amounts of USDT via Velo. Velo does not accept direct USDT deposits; if the U.S. dollar wire transfer received after the sale is flagged as \u201dsuspicious cross-border funds,\u201d starting in the second quarter of 2026, a complete statement of the source of funds will be required for any single transaction exceeding $50,000 in non-wage income.<\/p>\n

Mistake #2: Mistaking Velo for a U.S. mortgage account. Velo does not offer FDIC deposit insurance, does not require an SSN, and cannot be used for U.S. mortgages or auto loans. Any broker who claims that \u201dVelo can be used for U.S. mortgages\u201d is misleading you.<\/p>\n

Pitfall #3: Providing a fake address when opening an account remotely. In 2026, Velo will conduct a \u201dsecond video verification\u201d for false addresses; once detected, the account will be closed immediately and any remaining balance will not be refunded. Providing a real address in mainland China along with a backup contact address in the U.S. actually makes the KYC process go more smoothly.<\/p>\n

From a compliance perspective, please note the following: Non-U.S. tax residents holding a Velo account must submit a W-8BEN form to certify their tax residency status; annual cross-border transactions exceeding $100,000 must be reported to the IRS; and individual domestic receipts or payments exceeding $5,000 must be reported on the international receipts and payments declaration form.<\/p>\n

05<\/p>\n

Portfolio management is the answer<\/p>\n

For Velo after the 2026 tiered restructuring, the question isn\u2019t whether it\u2019s still worth using, but rather how to combine it with other accounts.<\/p>\n

Small and medium-sized sellers should combine Velo, local accounts, payment processing platforms, and Hong Kong bank cards into a single portfolio and manage them in tiers based on the intended use of funds\u2014this is more stable than relying solely on any one card. Velo is a tool; it\u2019s only valuable when used in the right context.<\/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

\ud83d\udd17 How Many Options Are Left for Mainland Investors to Open Compliant Accounts to Buy Hong Kong and U.S. Stocks?<\/a><\/p>\n

\ud83d\udd17 Meike Duo RFC verification failed\u2014how can I resolve the pre-withheld tax issue for 36%?<\/a><\/p>\n

\ud83d\udd17 The platform reports data to the tax authorities every quarter\u2014do your books match up?<\/a><\/p>\n

\ud83d\udd17 With Tighter Regulations on Fixed-Rate Taxation for Sole Proprietors, Can Small Sellers Still Save on Taxes?<\/a><\/p>\n

\ud83d\udd17 IANG Renewal for Hong Kong Study: How Can I Keep Renewing My Visa Two Years After Graduation?<\/a><\/p>\n

\ud83d\udd17 When opening a Hong Kong bank account, what is the most common hurdle for mainland Chinese residents?<\/a><\/p>\n

\ud83d\udd17 Why is it easier to run a local Takealot store in South Africa than a cross-border store?<\/a><\/p>\n

\ud83d\udd17 Three Common Misconceptions About Hong Kong Company Registration\u2014How Many Have You Fallen For?<\/a><\/p>\n

\ud83d\udd17 The End of Zero-Reporting for Hong Kong Companies: What Should Dormant Companies Do?<\/a><\/p>\n<\/div>\n

\n

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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, who runs a business on Amazon US, received a notification from Huamei Velo on July 15 of this year stating that if his account\u2019s average daily balance falls below $25,000, a monthly management fee of $25 will be deducted. 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