With the tightening of global anti money laundering regulations, Hong Kong's bank account opening policies will be further tightened by 2025. Data shows that the rejection rate of corporate bank accounts has reached 37%, with over 65% of companies experiencing obstacles during the account opening stage.

The main challenges include: ⏳ Extended review cycle: The average account opening time has increased by 40%, and approval usually takes 2-4 weeks 📄 High rejection rate of materials: The rejection rate reaches 32%, mostly due to incomplete or non compliant materials 🔍 Hidden threshold rises: Banks have stricter requirements for funding sources, proof of address, and shareholder penetration due diligence

👤 The Hong Kong Monetary Authority implements the "3+2" material combination for personal accounts, with a focus on reviewing the sources and uses of funds 🆔 Basic materials: ID card, passport/pass, entry receipt 💰 Source of Funds: Bank statements, payroll, proof of investment income 🏠 Proof of Address: Recent 3-month bills or tax receipts (including name and address) 🎯 Account opening purpose: must be clearly stated (such as study abroad fees, trade receipts, etc.)

🏢 Enterprise account ● Implement a "penetrating review", focusing on verifying the authenticity of shareholders and business: 📑 Company documents: registration certificate, business registration certificate, articles of association, etc 👥 Shareholder information: Disclosure of the background and funding source of the ultimate beneficiary (UBO) 💼 Business essence: Evidence chains such as contracts, invoices, logistics documents, etc. need to be provided ✅ Authenticity verification: business plan, cooperation agreement, audit report, etc

• Fuzzy business model, lack of operational and financial basis • Unclear architecture, suspected of holding on behalf • Industry sensitivity (such as cryptocurrency, gambling, adult entertainment) • Inconsistent capital flow and business scale • No complete supply chain evidence chain

🎯 1. Precise bank matching 🏦 Based on industry attributes, capital flow, and company structure, match customers with the most suitable banking channels:

Chinese banks: Trade and traditional manufacturing industries

🌏 Foreign banks: professional services, technology enterprises

💻 Virtual Bank: Start up and Light Asset Enterprises 🔗 At the same time, assist in selecting low flow branches and opening exclusive channels to improve the success rate of face-to-face interviews

📋 2. Material pre review and compliance optimization ✅ ● Data review: Multi dimensional pre review to ensure compliance and completeness 📊 Optimization of Business Plan: Highlighting Profit Models and Financial Data 📦 ● Supply chain evidence: Improve contracts, invoices, and logistics documents

💬 3. Face to face tutoring and accompaniment 🎭 ● Face to face training: Practice business explanation and cash flow logic 🗣️ ● Script guidance: Avoid mentioning sensitive uses (such as investing in Hong Kong stocks, virtual currencies) 🤝 ● On site accompaniment: consultants provide full support and handle unexpected situations

🛡️ 4. Account maintenance and risk control • Account opening activation guidance to avoid dormant risks • Regular compliance training to maintain account health • Risk monitoring system to identify abnormal transactions in advance

⚡ We can control the opening cycle of corporate accounts within 2-4 weeks, and personal accounts can be completed within 1 working day at the fastest

one ️⃣ Needs assessment (1 day) 2 ️⃣ Bank matching (1-3 days) 3 ️⃣ Data preparation (3-5 days) 4 ️⃣ Pre audit simulation (1 day) 5 ️⃣ Appointment interview (1-3 days) 6 ️⃣ Interview accompaniment and approval follow-up (2-4 weeks)

✅ Professional qualifications: Holding a Hong Kong TCSP license, the team has dual qualifications in finance and law ✅ Rich case studies: Proficient in red chip, VIE architecture, and complex business scenarios ✅ One stop service: covering registration, account opening, annual review, audit, and taxation ✅ High success rate: Enterprise account opening approval rate reaches 95%+ ✅ Efficient response: Complete account opening within 8 working days at the fastest

In the era of increasingly strict regulation, a legal and compliant Hong Kong bank account has become a core asset for cross-border business operations of enterprises. Choosing a professional team is the best guarantee for improving success rate and compliance security. We use our professional strength to open up global financial channels for your enterprise and assist in the steady growth of cross-border business.

Hongyuan International | One stop Service Expert for Enterprises Going Global

H & Y  INTERNATIONAL 

core business

✅ Overseas company registration (Hong Kong, Singapore, etc.)

✅ Overseas bank account opening and secretarial services

✅ International tax planning and cross-border financial and tax services

✅ Overseas architecture design and overseas investment filing

✅ Global Intellectual Property and Identity Planning

Service Advantages

-Professional integrity and efficiency: With over 15 years of industry experience, we focus on the global development of enterprises

-One stop solution: from registration to architecture, finance and taxation, identity, covering the entire process

-Butler style customized service: one-on-one professional consultant, tailored overseas plan

-Word of mouth guarantee: helping enterprises expand steadily and win industry trust

Service Advantages

📞 Hotline: 400 118 5939 138 2880 5818 (same as WeChat for mobile phones)

🌐 Service philosophy: Professional planning, efficient execution, helping enterprises set sail globally!