| Investor qualification |
GBA investors must meet the following conditions: 
Have full civil capacity;
Have a registered household in any of the 9 mainland GBA cities or be a resident who has paid social security or personal income tax for two consecutive years in any of the 9 mainland GBA cities；
Have more than 2 years of investment experience and meet the requirements that household financial net assets no less than RMB 1 million on month end balance over past 3 months, or household financial assets no less than RMB 2 million on month end balance over past 3 months, or the average annual income no less than RMB 400,000 for the past 3 years;
After evaluation by Hong Kong banks, investors must not be specific customers of all investment products. For specific requirements, please refer to[Hang Seng Hong Kong Official Website]. | Account opening | The details of Southbound account opening can be found by scanning the following QR code Hang Seng China WeChat mini program —— WMC 
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Cross-border remittance and investment quota | WMC service implements quota management for individual investors, with an investment quota of RMB 3 million. If an investor simultaneously selects both an eligible bank and a participating securities company for investment, the individual investor quota allocated between the eligible bank and the participating securities company will each be RMB 1.5 million. Subject to the quota control requirements of WMC service, eligible investors can visit Hang Seng China’s GBA branches to adjust their quotas. Subject to the remittance and quota requirements of WMC service, the funds in the Hang Seng China Southbound remittance account can be remitted to the matched Hang Seng Hong Kong Southbound investment account through the "XVXT" function of Hang Seng Personal e-Banking, and vice versa. |
Available WMC investment products |
Qualified investors can choose RMB, HKD and foreign currency deposits, and can also subscribe to designated qualified investment products represented by Hang Seng Hong Kong, including fund investment and bonds/certificates of deposit. To learn more about WMC Southbound service, please visit [Hang Seng Hong Kong Official Website]. WMC service will comply with the relevant laws and regulations on the management of personal financial products in Hong Kong and mainland China. |
Service application |
WMC Southbound Application Form |
Exclusive service network |
All Hang Seng China GBA branches Hang Seng China service hotline: 400-830-8008 Mainland China 800-906-882 Hong Kong customer enquiry hotline Hang Seng Hong Kong Service Hotline：(852) 2912 3456 (Hong Kong) (86) 4001 20 3456 (Mainland China) |
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