It is difficult to open a bank account and even more difficult to close an account
2024-7-11
It is well known that it is difficult to open a bank account in Hong Kong. But it turns out that it may be more difficult to close an account, and there are also traps that everyone may not know about.
Recently, there was a customer case. An "animal" bank in Hong Kong forcibly charged a low handling fee when the customer's account had no balance, causing the account to become overdraft. What's even more unreasonable is that it also charged high overdraft interest on the overdraft amount.
In Hong Kong, the procedure for canceling a bank account is very traditional and time-consuming: the customer/director/authorized signatory must go to the bank in person (queue), then fill in a form, explain the reason for cancellation, and return the withdrawal card and unused checks. You will also need to pay the account cancellation fee. In order to avoid wasting time, many friends just withdraw all their deposits and do not go through other procedures. In the past, banks would not charge low-deposit account handling fees when there was no balance in the account. After a while, the account will be cancelled.
However, the big bank suddenly changed its policy and forcibly charged fees and even interest. This is puzzling and makes people feel like they are being bullied and robbed. To avoid being charged unreasonable fees and troubles by banks, it is recommended that customers only open an appropriate number of bank accounts. If the account is no longer used, close the account as soon as possible according to the bank's "established" procedures to avoid encountering traps.
Our company can assist with various banking tasks, such as opening a bank account, etc. If you need assistance, please contact our company.
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