香港资金如何转回内地？熊猫速汇港币汇款全攻略，费用比众安银行省不少
How to Transfer Hong Kong Funds Back to Mainland China? A Complete Guide to Panda Remittance’s HKD Transfer — Cheaper Than ZA Bank
经常有朋友问我：香港银行里的港币要怎么转回内地？其实方法不少，但综合来看，熊猫速汇是性价比很高的选择。下面给大家详细说说它的优势，并以众安银行为例，手把手演示整个汇款流程。
Many friends have asked me: how do I transfer Hong Kong dollars from my HK bank account back to mainland China? There are quite a few methods, but overall, Panda Remittance is the most cost-effective choice. Below, I’ll walk you through its advantages in detail and use ZA Bank as an example to demonstrate the entire remittance process step by step.
熊猫速汇的五大优势
Five Advantages of Panda Remittance
1.兼容所有香港银行：无论你在汇丰、中银、众安还是其他港资银行开户，都能使用。
Compatible with all Hong Kong banks: Whether you bank with HSBC, BOC, ZA Bank, or any other Hong Kong-based bank, you can use Panda Remittance.
2.流程简单：不需要走复杂的结汇手续，操作几步就能完成。
Simple process: No complicated foreign exchange procedures needed — just a few steps and you’re done.
3.额度充足：每人每年有12万港币的汇款额度，还可以通过认证提升到50万。
Generous quota: Each person has an annual remittance quota of HKD 120,000, which can be increased to HKD 500,000 after verification.
4.费用更低：实测下来，熊猫比大部分香港银行（包括众安银行）汇款更划算，具体对比后面会展示。
Lower fees: In practice, Panda Remittance is cheaper than most Hong Kong banks (including ZA Bank) for remittances. A detailed comparison follows below.
5.安全合规：熊猫速汇持有正规牌照，平台靠谱，可以放心使用。
Safe and compliant: Panda Remittance holds proper licenses and is a trustworthy platform — you can use it with confidence.
第一步：注册与下载
Step 1: Register and Download
1.使用专属链接注册： https://p.pandaremit.com/h5ditui/launchIndex?invtCode=11429942&area=HKG&type=ditui ，通过熊猫速汇的港币回国专用链接注册，平台会不定期发放专属优惠券，到账金额更多。
Register via the exclusive link: Sign up through Panda Remittance’s HKD-to-mainland China dedicated link: https://p.pandaremit.com/h5ditui/launchIndex?invtCode=11429942&area=HKG&type=ditui ，The platform periodically issues exclusive coupons, so you’ll receive more funds.
2.手机号注册：选择+86内地手机号注册。如果你之前用其他手机号注册过熊猫的其他地区服务（比如人民币汇出），建议换个新手机号，才能享受港币回国的专属福利。
Register with a mainland phone number: Choose the +86 mainland China number to register. If you’ve previously registered for Panda’s services in other regions (e.g., RMB outbound remittance) with a different phone number, it’s recommended to use a new one to enjoy the exclusive HKD-to-mainland benefits.
3.添加客服微信：注册后按照提示添加企业微信客服，汇款过程中遇到问题可以直接咨询，客服响应很及时。
Add customer service on WeChat: After registration, follow the prompts to add the enterprise WeChat customer service. You can consult them directly if any issues arise during remittance — their response is very prompt.
4.下载APP：在内地应用商店搜索”熊猫速汇”下载，登录时汇款地区选择”香港”。
Download the APP: Search for “Panda Remittance” in the mainland China app store to download. When logging in, select “Hong Kong” as the remittance region.
5.设置密码并完成人脸识别，即可进入APP。
Set a password and complete facial recognition, then you’re in.
第二步：开户
Step 2: Open an Account
1.切换汇款币种：进入开户页面后，先将汇款币种切换为 HKD→CNY，这样系统才会正确显示证件选项。
Switch remittance currency: On the account opening page, switch the remittance currency to HKD → CNY so the system correctly displays the ID options.
2.选择证件类型：在开户环节选择”中国内地居民身份证”，按提示拍摄身份证正反面。
Select ID type: Choose “Mainland China Resident ID Card” during the account opening process, and follow the prompts to photograph both sides of your ID card.
3.填写个人信息：如实填写姓名、证件号码、有效期等。特别注意：居住地址（Address）要填写完整的省、市、区、街道、门牌号，参考APP内提供的样例格式填写，否则后续汇款审核可能会出问题。
Fill in personal information: Enter your name, ID number, expiry date, etc., accurately. Important: Your residential address (Address) must include the full province, city, district, street, and house number. Refer to the sample format provided in the APP; otherwise, subsequent remittance verification may encounter issues.
4.信息填写完毕后，开户即完成。
Once all information is filled in, your account is ready.
第三步：添加收款人
Step 3: Add a Recipient
1.进入添加收款人页面，到账国家选择中国，收款方式选择银行卡。
On the add recipient page, select China as the destination country and Bank Card as the receiving method.
2.收款人选择本人（熊猫理论上支持直系亲属汇款，但建议首次使用都给自己汇款，审核更顺畅）。
Select yourself as the recipient (Panda theoretically supports remittances to immediate family members, but it’s recommended to remit to yourself for the first transaction to ensure smoother verification).
3.身份类型选择中国大陆居民，填写银行卡号、银行预留手机号，汇款用途选择”赡家费”。
Choose China Mainland Resident as the identity type, enter your bank card number and the phone number registered with the bank, and select “Family Maintenance” as the remittance purpose.
4.添加完成后，后续汇款时直接选择这张卡即可。
After adding, simply select this card for future remittances.
第四步：发起汇款
Step 4: Initiate the Remittance
1.汇款金额：每次可汇500~30,000港币，单笔低于6,500港币时手续费仅30港币/笔，首笔汇款还免手续费。记得使用优惠券，能多省一笔。
Remittance amount: Each transfer can range from HKD 500 to HKD 30,000. For single transactions below HKD 6,500, the fee is only HKD 30 per transaction, and the first remittance is free. Don’t forget to use coupons to save even more.
2.支付方式：推荐使用 FPS（转数快），实时到账，必须使用本人香港银行账户向熊猫付款。熊猫有两个收款账户（OCBC和JP Morgan），任选其一即可，一般默认OCBC。
Payment method: FPS (Fast Payment System) is recommended for real-time settlement. You must pay Panda from your own Hong Kong bank account. Panda has two receiving accounts (OCBC and JP Morgan) — choose either one; OCBC is usually the default.
3.填写FPS信息：付款时，在银行APP中填写熊猫提供的FPS识别码和备注内容，这两项缺一不可，否则会影响到账。
Fill in FPS details: When making the payment, enter the FPS Identifier and Reference Number provided by Panda in your bank’s APP. Both are mandatory; otherwise, the funds may not be credited.
4.用香港银行完成FPS转账后，等待熊猫确认收款即可。
After completing the FPS transfer via your Hong Kong bank, wait for Panda to confirm receipt.
第五步：资金到账
Step 5: Funds Arrival
熊猫的到账速度很快，首笔可能需要半小时左右，后续通常秒到账。你的内地银行卡会直接收到人民币，汇款方显示为熊猫合作的渠道方，不同地区可能略有差异。
Panda Remittance is fast — the first transfer may take about 30 minutes, while subsequent ones are usually instant. Your mainland China bank card will receive the RMB directly, with the remitter showing as one of Panda’s partner channels (may vary slightly by region).
费用对比：熊猫速汇 vs 众安银行
Fee Comparison: Panda Remittance vs. ZA Bank
以汇款3万港币为例：
Taking a remittance of HKD 30,000 as an example:
渠道 / Channel |
到账金额 / Amount Received |
熊猫速汇 / Panda Remittance |
26,028 元 / RMB 26,028 |
众安银行 / ZA Bank |
25,737.18 元 / RMB 25,737.18 |
熊猫比众安多到账 291 港币，差距还是挺明显的。如果汇大额，差额会更大。
Panda delivers HKD 291 more than ZA Bank — the difference is quite noticeable. For larger amounts, the gap will be even wider.
小结
Summary
如果你在香港有银行资金需要转回内地，熊猫速汇在费用、流程和额度上都表现不错，持牌合规、操作简单，值得尝试。尤其是经常需要汇款的朋友，注册后多关注优惠券活动，每次都能省不少。
If you have bank funds in Hong Kong that need to be transferred back to mainland China, Panda Remittance performs well in terms of cost, process, and quota. It is licensed, compliant, and easy to use — definitely worth trying. Especially for those who need to remit regularly, sign up and keep an eye on coupon promotions to save money every time.
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