{"id":16624,"date":"2026-09-01T09:51:04","date_gmt":"2026-09-01T01:51:04","guid":{"rendered":"https:\/\/www.qicaiying.cn\/archives\/16624"},"modified":"2026-09-01T16:58:36","modified_gmt":"2026-09-01T08:58:36","slug":"2026%e4%b9%b0%e6%b8%af%e7%be%8e%e8%82%a1%ef%bc%8c%e5%86%85%e5%9c%b0%e4%ba%ba%e5%90%88%e8%a7%84%e5%bc%80%e6%88%b7%e8%b5%b0%e5%93%aa%e6%9d%a1%e8%b7%af%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/16624","title":{"rendered":"In 2026, What Are the Options for Mainland Chinese Investors to Open Compliant Accounts to Trade Hong Kong and U.S. Stocks?"},"content":{"rendered":"<div style=\"max-width: 677px; margin: 0 auto; padding: 20px 16px; font-family: -apple-system,BlinkMacSystemFont,'Segoe UI','Helvetica Neue',sans-serif; font-size: 17px; line-height: 1.75; letter-spacing: 0.544px; color: #0f1115; background: #fff; text-align: justify;\">\n<p style=\"text-align: center; margin-bottom: 50px;\"><img decoding=\"async\" style=\"max-width: 100%; border-radius: 8px;\" src=\"https:\/\/qcyboss.oss-cn-shenzhen.aliyuncs.com\/wp-content\/uploads\/2026\/07\/20260714105806531.gif?wx_fmt=gif&amp;from=appmsg\" \/><\/p>\n<p style=\"margin: 0 0 16px;\">Mr. Zhao from Hangzhou opened an account with Futu in 2024 and has gradually deposited several hundred thousand Hong Kong dollars to trade Hong Kong stocks.<\/p>\n<p style=\"margin: 0 0 16px;\">This year, he wanted to open another account to diversify his risk, but discovered that the Futu and Tiger apps had already been removed from mainland app stores; when he clicked on them, a message appeared stating, \u2019Services are not available to users within China.\u201d<\/p>\n<p style=\"margin: 0 0 16px;\">He was a little worried: Has this avenue for mainland residents to buy Hong Kong and U.S. stocks been completely shut down?<\/p>\n<p style=\"text-align: center; font-size: 52px; font-weight: bold; color: #fff; -webkit-text-stroke: 2px #1a3a6b; margin: 60px 0 0; line-height: 1.1; text-shadow: 0 0 1px #1a3a6b;\">01<\/p>\n<p style=\"text-align: center; font-size: 20px; font-weight: bold; color: #1a3a6b; margin: 12px 0 30px;\">2026: The Turning Point<\/p>\n<p style=\"margin: 0 0 16px;\">The key date is May 22, 2026. The China Securities Regulatory Commission (CSRC) formally launched an investigation into the \u201cillegal cross-border business operations\u201d of entities associated with Futu, Tiger, and Changqiao. Document No. 42, issued jointly by eight government departments, explicitly states that any form of illegal cross-border securities services is strictly prohibited within China.<\/p>\n<p style=\"margin: 0 0 16px;\">Existing customers of Futu, Tiger, and Changqiao can still trade, but it\u2019s virtually impossible for new mainland users to sign up. The online tutorials that offer \u201cstep-by-step guides to opening a Futu account\u201d are largely outdated.<\/p>\n<p style=\"margin: 0 0 16px;\">But the answer isn\u2019t that clear-cut. Regulators are cracking down on \u2019illegal cross-border business operations conducted through domestic channels,\u201d not shutting the door on compliant investments.<\/p>\n<p style=\"text-align: center; font-size: 52px; font-weight: bold; color: #fff; -webkit-text-stroke: 2px #1a3a6b; margin: 60px 0 0; line-height: 1.1; text-shadow: 0 0 1px #1a3a6b;\">02<\/p>\n<p style=\"text-align: center; font-size: 20px; font-weight: bold; color: #1a3a6b; margin: 12px 0 30px;\">Option 3: Hong Kong ID Card + Licensed Hong Kong Brokerage Firm<\/p>\n<p style=\"margin: 0 0 16px;\">At the Lujiazui Forum in June 2026, the Chairman of the China Securities Regulatory Commission (CSRC) made it clear that the commission would continue to support compliant cross-border investments. In the same month, a circular issued by the Hong Kong Securities and Futures Commission (SFC) clarified that licensed Hong Kong brokerages may continue to open accounts for mainland clients, provided that the services are not provided on the mainland and the funds are legally sourced from overseas.<\/p>\n<p style=\"margin: 0 0 16px;\">This opens up the \u2019third way\u201d: a local Hong Kong bank account plus a licensed Hong Kong brokerage firm, both established overseas, with the capital flow also routed through overseas channels.<\/p>\n<p style=\"margin: 0 0 16px;\">Why a Hong Kong bank card? The Hong Kong Securities and Futures Commission has clarified that if funds are transferred from a local Hong Kong bank account into a securities account, they can, in principle, be deemed legitimate overseas funds. A Hong Kong bank card is the gateway to this process.<\/p>\n<p style=\"margin: 0 0 16px;\"><strong>If you\u2019re facing a similar situation\u2014wanting to trade Hong Kong and U.S. stocks using a \u201cHong Kong bank card + Hong Kong brokerage\u201d setup but unsure how to open an account or manage your funds\u2014feel free to scan the QR code to contact Qicaiying\u2019s online customer service (WeChat\/Phone: 18620388671). We\u2019ll help you sort out the compliance process once and for all. Feel free to scan the QR code to contact Qicaiying\u2019s online customer service (WeChat\/Phone: 18620388671), and we\u2019ll help you sort out this entire process from start to finish.<\/strong><\/p>\n<p style=\"text-align: center; margin: 30px 0;\"><img decoding=\"async\" style=\"display: block; margin: 0 auto; width: 180px; border-radius: 8px;\" src=\"https:\/\/qcyboss.oss-cn-shenzhen.aliyuncs.com\/wp-content\/uploads\/2026\/07\/20260714120111567.png?wx_fmt=png&amp;from=appmsg\" \/><\/p>\n<p style=\"text-align: center; font-size: 13px; color: #999; margin-top: 8px;\">Scan the QR code to add Qicaiying\u2019s online customer service<\/p>\n<p style=\"text-align: center; font-size: 52px; font-weight: bold; color: #fff; -webkit-text-stroke: 2px #1a3a6b; margin: 60px 0 0; line-height: 1.1; text-shadow: 0 0 1px #1a3a6b;\">03<\/p>\n<p style=\"text-align: center; font-size: 20px; font-weight: bold; color: #1a3a6b; margin: 12px 0 30px;\">What's the fastest way to open a Hong Kong credit card?<\/p>\n<p style=\"margin: 0 0 16px;\">As of 2026, there are three main ways for mainland residents to apply for a Hong Kong credit card.<\/p>\n<p style=\"margin: 0 0 16px;\">Account Opening with a Guarantor: HSBC, Standard Chartered, and Bank of China (Hong Kong) support the mainland guarantor process, which requires depositing 500,000 RMB for three months at designated branches in Beijing, Shanghai, Guangzhou, or Shenzhen.<\/p>\n<p style=\"margin: 0 0 16px;\">Opening a Bank Account in Hong Kong: With a travel permit, you can complete the process on the same day. Bank of China (Hong Kong), HSBC, and ICBC Asia all support this service, with cards issued as quickly as one hour.<\/p>\n<p style=\"margin: 0 0 16px;\">Remote Video: Supported by ZA Bank and ZhongAn; low entry barrier but limited functionality\u2014cannot be used for securities deposits. Best suited for trading Hong Kong and U.S. stocks\u2014opening an account in Hong Kong is the most suitable option, allowing you to open an account and link a securities account on the same day.<\/p>\n<p style=\"text-align: center; font-size: 52px; font-weight: bold; color: #fff; -webkit-text-stroke: 2px #1a3a6b; margin: 60px 0 0; line-height: 1.1; text-shadow: 0 0 1px #1a3a6b;\">04<\/p>\n<p style=\"text-align: center; font-size: 20px; font-weight: bold; color: #1a3a6b; margin: 12px 0 30px;\">How to Choose a Brokerage Firm<\/p>\n<p style=\"margin: 0 0 16px;\">As of 2026, there are four licensed Hong Kong brokerage firms commonly used by mainland investors.<\/p>\n<p style=\"margin: 0 0 16px;\">Interactive Brokers (IBKR) is the world\u2019s oldest brokerage firm, offering comprehensive coverage of Hong Kong, U.S., and Singapore stocks, with no account management fees\u2014making it ideal for frequent traders. The downside is that Chinese-language support is limited.<\/p>\n<p style=\"margin: 0 0 16px;\">Futuhong Kong is an independently operated Hong Kong subsidiary offering the best Chinese-language app experience, with commissions starting at 0.031 TP3T. Huasheng Securities offers Hong Kong stock commissions as low as 0.011 TP3T and a great app experience. Zunjia Securities charges no platform fees and is suitable for long-term, low-frequency trading.<\/p>\n<p style=\"margin: 0 0 16px;\">Choose a broker based on trading frequency and product offerings. For high-frequency trading, choose Huasheng or Zunjia; for multi-market trading, choose Interactive Brokers; and for those looking for a great user experience, choose Futu Hong Kong.<\/p>\n<p style=\"text-align: center; margin: 30px 0;\"><img decoding=\"async\" style=\"display: block; margin: 0 auto; width: 180px; border-radius: 8px;\" src=\"https:\/\/qcyboss.oss-cn-shenzhen.aliyuncs.com\/wp-content\/uploads\/2026\/07\/20260714120111567.png?wx_fmt=png&amp;from=appmsg\" \/><\/p>\n<p style=\"text-align: center; font-size: 13px; color: #999; margin-top: 8px;\">Scan the QR code to add Qicaiying\u2019s online customer service<\/p>\n<p style=\"text-align: center; font-size: 52px; font-weight: bold; color: #fff; -webkit-text-stroke: 2px #1a3a6b; margin: 60px 0 0; line-height: 1.1; text-shadow: 0 0 1px #1a3a6b;\">05<\/p>\n<p style=\"text-align: center; font-size: 20px; font-weight: bold; color: #1a3a6b; margin: 12px 0 30px;\">Three Risks to Avoid<\/p>\n<p style=\"margin: 0 0 16px;\">First, to avoid being deemed to have \u2019accessed services through domestic channels\u201d\u2014try to open accounts, conduct trades, and access information primarily through networks in Hong Kong or overseas.<\/p>\n<p style=\"margin: 0 0 16px;\">Second, if account opening documents are suspicious or forged\u2014including income statements that do not match actual income or proof of address with obvious signs of photo manipulation\u2014the system will periodically perform batch scans.<\/p>\n<p style=\"margin: 0 0 16px;\">Third, the statement regarding the source of funds was not signed in a timely manner. The new regulations require a written declaration for each investment account opened, stating that the funds come from a legitimate source outside mainland China. Failure to sign the statement by the deadline will result in the account being flagged as pending compliance until it is closed.<\/p>\n<p style=\"text-align: center; margin: 30px 0;\"><img decoding=\"async\" style=\"display: block; margin: 0 auto; width: 180px; border-radius: 8px;\" src=\"https:\/\/qcyboss.oss-cn-shenzhen.aliyuncs.com\/wp-content\/uploads\/2026\/07\/20260714120111567.png?wx_fmt=png&amp;from=appmsg\" \/><\/p>\n<p style=\"text-align: center; font-size: 13px; color: #999; margin-top: 8px;\">Scan the QR code to add Qicaiying\u2019s online customer service<\/p>\n<p style=\"text-align: center; font-size: 16px; color: #0f1115; letter-spacing: 3px; margin: 40px 0 20px;\">\u2014\u2014 E N D \u2014\u2014<\/p>\n<div style=\"margin: 0 0 24px;\">\n<p style=\"font-size: 17px; font-weight: bold; color: #0f1115; margin: 0 0 14px;\">\ud83d\udccc Recommended Articles from Previous Issues<\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16622\/\">Are You Being Withheld 301 TP3T on U.S. Dollar Payments? Did You Fill Out the W-8BEN Form Correctly?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16620\/\">With the 2026 EU VAT Double Upgrade, What Taxes Do Cross-Border Sellers Need to Pay?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16618\/\">What should you do if there's a discrepancy between the platform's report and your tax return, and you receive a tax notice?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16616\/\">How do you get started on NOON in the Middle East in 2026? Is it difficult for Chinese sellers to get started?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16614\/\">Takealot Tightens Merchant Onboarding in 2026: How Can Chinese Sellers Pass the Review?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16555\/\">South Africa's VAT threshold has risen to 2.3 million rand\u2014should you still register?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16553\/\">When a Hong Kong credit card is used to receive payments on a platform, what actions might attract the bank\u2019s attention?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16551\/\">How do funds move in and out of Hong Kong and U.S. stock accounts? What options are still available?<\/a><\/p>\n<p style=\"font-size: 16px; line-height: 1.75; margin: 0 0 10px;\">\ud83d\udd17 <a style=\"color: #576b95; text-decoration: none; border-bottom: 1px solid #576b95;\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/16549\/\">With the phasing out of the fixed-rate tax collection method, how should cross-border sellers restate their accounts?<\/a><\/p>\n<\/div>\n<p style=\"text-align: center; margin: 25px 0;\">\n<div style=\"margin: 0 0 20px;\">\n<p style=\"font-size: 16px; line-height: 1.75; color: #0f1115; margin: 0;\">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":"<p>\u676d\u5dde\u8d75\u603b2024\u5e74\u5728\u5bcc\u9014\u5f00\u4e86\u6237\uff0c\u9646\u9646\u7eed\u7eed\u6253\u4e86\u51e0\u5341\u4e07\u6e2f\u5e01\u7092\u6e2f\u80a1\u3002 \u4eca\u5e74\u4ed6\u60f3\u518d\u5f00\u4e00\u4e2a\u5206\u6563\u98ce\u9669\uff0c\u5374\u53d1\u73b0\u5185\u5730\u5e94\u7528\u5546\u5e97\u65e9\u4e0b\u67b6\u4e86\u5bcc\u9014\u3001\u8001\u864e\u7684App\uff0c\u70b9\u8fdb\u53bb\u63d0\u793a&#8217;\u4e0d\u5bf9\u4e2d\u56fd\u5883\u5185\u7528\u6237\u63d0\u4f9b\u670d\u52a1&#8217;\u3002<\/p>","protected":false},"author":18,"featured_media":16623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,18,64],"tags":[650],"class_list":["post-16624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allguide","category-recomguide","category-gf-tax-compliance","tag-650"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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