Best Choice for Hong Kong Travel During May Day 2026! Hang Seng Bank Fully Launches Online Account Opening, Offering Up to HKD 9,100 Welcome Bonus
五一赴港最佳选择！恒生银行全面放开线上开户，狂撒 9100 港币迎新！
Hello everyone, I'm President.
大家好，佩叶斯登。
Special feature for May Day Hong Kong travel: President brings you the latest update – Hang Seng Bank has fully launched its "ultra-fast online account opening" service for mainland travelers visiting Hong Kong, with a maximum welcome bonus of HKD 9,100. How can you claim all these core benefits?
五一赴港特辑 佩叶斯登 恒生银行全面放开 "线上极速开户"! 狂撒最高 9100 港币，核心迎新羊毛怎么薅？
Complete the process in 5 minutes, save tens of thousands of Hong Kong dollars in hidden costs, and even earn thousands of Hong Kong dollars in return! President will give you an in-depth breakdown of why this card is the most cost-effective strategic move to start your global asset allocation in 2026.
5 分钟内完成，省下上万块隐形成本，甚至还能倒赚几千港币！佩叶斯登带你深度拆解：为什么这张卡，是你开启全球资产配置性价比最高的神级部署。
This May Day holiday, many friends have embarked on their journey to open bank accounts in Hong Kong. Today, I want to share with you a crucial piece of information that can be completed in just 5 minutes, and will most likely save you tens of thousands of Hong Kong dollars in hidden costs, or even earn you thousands of Hong Kong dollars.
这个五一假期，很多朋友都踏上了赴港开户的旅程。今天佩叶斯登要告诉你一个能在 5 分钟内完成，并且极大概率能为你省下上万块隐形成本，甚至还能倒赚几千港币的 “核心信息”。
Hang Seng Bank has fully opened mobile app online account opening to mainland travelers visiting Hong Kong!
恒生银行已经全面向过港旅客开放了手机 App 线上开户！
Many people may have only heard of the "Hang Seng Index" in the news, but they don't know that this index, which serves as the barometer of the Hong Kong stock market, was created by Hang Seng Bank. Today, we will take an in-depth look at why this card is the most cost-effective "god-tier" option for starting your global asset allocation in 2026.
很多人可能只在新闻里听过 “恒生指数”，却不知道，这个定义了香港股市晴雨表的指数，正是由恒生银行创立的。今天，我们就来深度拆解一下，为什么这张卡，是你 2026 年开启全球资产配置 “性价比最高” 的神级部署。
01 Is Hang Seng the "Budget Version of HSBC"? A Premium Alternative to Major Banks
01 恒生 =“低配版汇丰”？大行平替
Let's take a look at the facts: Hang Seng is the "budget version of HSBC". Many people have heard of the Hang Seng Index, but they don't know that Hang Seng Bank is a wholly-owned subsidiary of HSBC Asia Pacific!
扒一扒底牌：恒生 ="低配版汇丰" 佩叶斯登 很多人听过 "恒生指数", 却不知道恒生银行是汇丰亚太的全资附属公司！
Compared with some traditional major bank accounts, Hang Seng Advance Banking has obvious advantages:
对比某些传统大行账户，恒生优进理财优势显著：
• Extremely difficult offline branch appointments vs. Deeply shared HSBC underlying systems and ATM network
• 线下网点预约极其困难 VS 深度共享汇丰底层与 ATM 网络
• Strict review process where you have to deal with branch managers vs. 0 management fee! No minimum balance requirement! No need to lock HKD 10,000 in your account
• 需看大堂经理脸色，审核严苛 VS 0 管理费！无最低结存要求！不需要把 1 万资金死死锁在账户里
• May face high minimum balance requirements or hidden management fee traps vs. Extremely low entry threshold
• 可能面临较高的资金结存要求或管理费陷阱 VS 门槛极其亲民
In Hong Kong's financial circle, there has always been a saying: Hang Seng is HSBC's "own son".
在香港金融圈，一直流传着一个说法：恒生是汇丰的 “亲儿子”。
HSBC officially completed the privatization of Hang Seng Bank on January 26, 2026, making Hang Seng Bank a wholly-owned subsidiary of HSBC Asia Pacific. The two banks deeply share underlying systems, ATM networks, and even many risk control standards. You can simply understand it as "an affordable alternative backed by the giant HSBC, but with an extremely low entry threshold".
汇丰银行于 2026 年 1 月 26 日正式完成对恒生银行的私有化，恒生银行成为汇丰亚太的全资附属公司，两家银行在底层系统、ATM 网络甚至很多风控标准上都是深度共享的。你可以把它通俗地理解为 “背靠汇丰这棵参天大树，但门槛极其亲民的平替版”。
Now, to get an HSBC ONE account, you still need to maintain a minimum balance of HKD 10,000 in your bank account to waive the monthly management fee of HKD 100. Hang Seng has completely lowered the threshold: 0 management fee and no minimum balance requirement! You no longer have to forcefully lock HKD 10,000 or more in your account just to avoid monthly account management fees.
现在拿下汇丰 ONE 账户，也要最低结存 10000 港币在银行账户才能免每月 100 港币的管理费，恒生直接把门槛打到了地板上：0 管理费，没有最低结存要求！你不再需要为了免除每月的账户管理费，被迫把 1 万甚至更多的资金死死锁在账户里。
02 Why Choose Hang Seng First?
02 为什么要首选恒生？
In addition to the credit endorsement backed by HSBC, this card is also extremely powerful in practical operation:
除了背靠汇丰的信用背书，这张卡在实操层面也极具杀伤力：
1. The "magic channel" for cross-border fund flow: Hang Seng supports fee-free cross-border transfers, greatly reducing the friction cost of overseas fund transfers.
1. 跨境资金流转的 “神仙通道”：恒生支持跨境转账免手续费，极大地降低了资金出海的摩擦成本。
2. A powerful tool for consumption and cashback: Provides a World-level Mastercard debit card with 0.4% cashback on every transaction. 0 fee for global consumption. You can even get up to 20% cashback when buying train tickets on China Railway 12306.
2. 消费与返现利器：提供一张 world 等级万事达扣账卡，每筆交易可享 0.4% 回贈。全球消费 0 手续费。用大陆 12306 购买火车票甚至能拿到高达 20% 的返现。
3. Supports Cross-border Payment Connect: Perfectly breaks down the payment barrier between the mainland and Hong Kong.
3. 支持跨境支付通：完美打通内地与香港的支付壁垒。
4. Ultra-fast online account opening: As long as you are in Hong Kong (connected to Hong Kong Wi-Fi or with location turned on), you can complete the process in 5 minutes using your mobile app, no need to go to offline branches and deal with branch managers.
4. 极速线上开户：只要你人在香港境内（连上香港 Wi-Fi 或开启定位），5 分钟就能用手机 App 搞定，完全不需要去线下网点看大堂经理的脸色。
03 How to Claim the Up to HKD 9,100 Welcome Bonus?
03 高达 9100 港币的迎新羊毛怎么薅？
Financial institutions often spend heavily to compete for the fund entry of high-net-worth customers. This time, Hang Seng is offering a comprehensive reward package of up to HKD 9,100 for new customers opening an "Advance Banking" account. President will break down several core benefits that are easiest to get:
金融机构为了抢夺高净值客户的资金入口，往往会疯狂砸钱。恒生这次针对全新客户开立 “优进理财” 户口，直接给出了最高达 9100 港币的综合奖赏组合。佩叶斯登带你拆解几个最容易拿到的核心羊毛：
• Enter the referral code: GXHDSQ when opening an account to get HKD 200 cash reward.
填写推荐编号: GXHDSQ，开户得港币 200 现金奖赏。
• Guaranteed Fast Reward: Within 7 days after opening the account, deposit HKD 1,000 via Faster Payment System (FPS) or Cross-border Payment Connect and keep it for 10 days, and you will directly receive HKD 200 cash.
极速保底奖：开户后 7 天内，通过转数快（FPS）或跨境支付通存入 1000 港币，并放满 10 天，直接送 200 港币现金。
• Fund Retention Reward (up to HKD 3,500): Deposit new funds and maintain the growth of your "Total Banking Relationship Value". Deposit HKD 50,000 to get HKD 300; deposit HKD 100,000 to get HKD 500; deposit more than HKD 500,000 to get HKD 3,500.
资金沉淀奖（最高 3500 港币）：存入新资金并维持 “全面理財總值” 增長。存 5 万送 300；存 10 万送 500；存 50 万以上送 3500 港币。
• Foreign Currency Exchange Reward: Exchange foreign currency equivalent to HKD 2,000 in a single transaction to get 2,000 Japanese Yen cash reward.
外币兑换奖：单笔兑换等值 2000 港币的外币，送 2000 日圆现金奖赏。
04 5-Minute Mobile Account Opening Guide
04 5 分钟手机开户指南
If you are in Hong Kong right now, take out your phone immediately and follow these steps:
如果你此刻就在香港，立刻掏出手机，跟着以下步骤操作：
Preparation: Prepare your mainland ID card, Mainland Travel Permit for Hong Kong and Macao Residents, and entry and exit records. Be sure to turn on your phone's GPS location to prove that you are in Hong Kong.
准备工作：准备好你的内地身份证、往来港澳通行证，以及出入境记录。务必开启手机定位（GPS），证明你在香港境内。
1. Search for and download the "Hang Seng Personal Mobile Banking App" in the app store.
第一步：在应用商店搜索并下载 “恒生个人流动理财服务 App”。
2. Open the app, select "Mobile Account Opening" in the quick links > Click "I want to open a Hang Seng Integrated Account".
第二步：打开 App，在快速链接中选择 “手机开户” > 点击 “我要开立恒生综合户口”。
3. For document type, be sure to select "Mainland Travel Permit for Hong Kong and Macao Residents", then click "Next".
第三步：证件类型务必选择 “往来港澳通行证”，按 “下一步”。
4. For account type, select "Advance Banking", then click "Next".
第四步：账户类型选择 “优进理财”，按 “下一步”。
5. Follow the system prompts to scan your documents, complete facial recognition, and fill in tax and employment information.
第五步：按照系统提示，扫描证件、进行人脸识别、填写税务及工作信息。
6. After submission, the page will usually directly display the words "Account Opened" and your exclusive account number.
第六步：提交后，一般情况下页面会直接显示 “已开立户口” 字样及你的专属户口号码。
More often than not, what stops us from moving towards global asset allocation is not the amount of capital, but the willingness to take action.
很多时候，阻挡我们走向全球资产配置的，不是资金量，而是行动力。
A Hong Kong bank card with 0 management fee and backed by a large group is the most basic infrastructure for regular investment in high-quality Hong Kong and US stocks. Take advantage of this May Day holiday, spend 5 minutes to lower the threshold, and prepare the "pocket" to hold your money first.
一张 0 管理费、背靠大集团的香港银行卡，是你定投港美股优质资产最底层基建。趁着五一假期，花 5 分钟时间把门槛踏平，先把用来装钱的 “口袋” 准备好。
可以寻找我的绿泡泡：NBWcat
以下是本群专属福利，可按需自取：
【券商】
❥ 复星证券专属公开渠道：BPMQTY
❥ 复星证券公开页面：
https://h5.fotechwealth.com/pages/startAccount.html?channel=030003&aeCode=B2&invitationCode=BPMQTY&langType=zhCn
❥ 致富专属公开渠道：DQ3638
❥ 致富公开页面：https://www.chiefgroup.com.hk/hk/open?rl=ECR&PromoCode=DQ3638
❥ 盈立（香港）公开渠道码：261773
公开页面：https://hk.usmartbroker.com/webapp/marketing/jump-register.html?register-ct=ic®ister-cid=5998&ICode=261773#/register
❥ 盈立（新加坡）nyw2w4
❥公开页面：https://m.usmartsg.com/promo/overseas/sg-register.html?langType=1&HCode=nyw2w4#/marketing-register
❥盈透证券专属邀链接：https://ibkr.com/referral/yuanyuan933
------------------------------------
【银行】
❥ 中银香港专属公开渠道：M23756872072
❥ZA众安银行公开渠道：VUJ474
❥ 恒生银行公开渠道: GXHDSQ
❥信银国际（中信银行国际）公开渠道：1G2T4Y2
❥ 工银亚洲专属公开渠道：26042152716854
❥ 天星银行公开页面https://app.airstarbank.com/apph5/friendsInvite_appLink.html#/detail
❥ 汇立银行公开渠道：FPJYXH
❥美国华美银行公开页面 （300红包+103美金（你自己付））https://buy.italkbb.com/chs/cu/PkM?q=874266
❥ 英国Ifast公开页面https://www.ifastgb.com/tellafriend/yuanyuanc6480
❥ 德国N26公开渠道：yuanyuac44482c
公开页面https://n26.com/r/yuanyuac44482c?cid=0JY⟨=en
❥瑞士杜高斯贝银行公开页面：https://www.dukascopy.bank/swiss/open-mca-account/?ref=⟨=zh
❥ 澳门蚂蚁银行LPE22RM9
https://render.alipay.com/p/c/180020570000149153/index.html?invite-code=LPE22RM9
❥wise邀请链接:https://wise.com/invite/arhn/4v9di89
❥熊猫速汇 公开页面https://p.pandaremit.com/h5ditui/launchIndex?invtCode=11429942&area=HKG&type=ditui
------------------------------------
【数字货币】
❥B安专属公开渠道：CPA_00N0KYMEP1
❥B安公开页面：https://www.bsmkweb.cc/activity/referral-entry/CPA?ref=CPA_00N0KYMEP1&utm_source=referral_entrance
❥O意专属公开渠道：67834863
❥O易公开页面：https://www.nzdcvhpxqwy.com/join/67834863
❥H币公开页面：https://www.htx.com.ph/invite/zh-hk/1f?invite_code=48qfd223
❥OSL HK公开页面：https://trade-hk.osl.com/invite/activities?invitecode=7g7xF
❥OSLGlobal公开页面：https://trade-hk.osl.com/register?channel=cjySdK
