Want to open a bank account in Hong Kong? It's actually not as complicated as you might think. Just bring your ID card and Hong Kong-Macau travel permit, and you can handle everything in one trip to Hong Kong.

**Preparation Before Departure**

First, activate international roaming—this is crucial, as you'll need to receive SMS verification codes on your phone later. After passing through customs in Hong Kong, open the WeChat mini program and search for "12367" to download your immigration and exit-entry documents. You will need to upload this document when applying for a bank card, so don't forget.

**How to Get There**

Take bus B1 from Futian Port and get off at Yuan Point(Yuen Point). There are many shopping malls around Yuan Point, find a place with stable Wi-Fi connection and sit down—avoid temporary networks that only last 30 minutes, as they can be troublesome.

**Things to Do on Your Phone**

Download the corresponding bank app and follow the steps inside. The entire account opening process takes about 5 to 10 minutes and is usually smooth. During data entry, you'll be asked to input an invitation code; if you have one, ask your friends beforehand.

**Virtual Card or Physical Card**

If you need to use it urgently, you can directly use a virtual card for payments and receipts. If you want a physical card, you can apply for mailing through the app, but you'll need to wait a few days.

**Why Is It Worth the Effort**

Bank accounts in Hong Kong are very friendly for withdrawals—they have no minimum deposit requirements and no management fees. The international Visa card you receive can be used worldwide, making online and offline shopping convenient. It also supports digital wallets like Apple Pay and Google Pay. The key point is that there are no annual fees, so you can keep it long-term without worries. For those who frequently need international transfers or cross-border payments, this card is like a small key that opens the door to global spending.