2026-01-18 14:23:07

Following the wave of fee increases by international banks, Hong Kong-based banks are also starting to adjust their account policies. Bank of China Hong Kong recently updated its terms of service to begin charging monthly maintenance fees for low-asset customers.

Specifically, if the asset balance in a Hong Kong card is less than HKD 10,000, it will be subject to management fees, with a monthly fee of around a few dozen Hong Kong dollars. This approach is quite similar to HSBC's previous policy and seems to be an industry trend.

For users holding cards in Hong Kong, this means that the cost of maintaining a single card is increasing. They can either increase account activity and asset allocation or accept a decreasing account balance month by month. Many are beginning to reassess the value of their Hong Kong cards. This wave of fee increases reflects banks' operational pressures and changes in user demographics.

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BlockchainTherapist

· 01-21 13:01

Here comes the pump and dump again, not even letting me relax with ten thousand bucks. This business of Hong Kong cards, why is it becoming less and less profitable? I should have known to hoard more coins; keeping them in the bank just results in losing interest. These banks are really something else. Even without money, they impose fines; with money, you still worry about devaluation. Wait, should I just clear out my Hong Kong cards?

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LightningWallet

· 01-21 04:36

If the Hong Kong dollar is less than 10,000, they start to exploit the loopholes; this bank tactic is really clever.

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OnchainDetective

· 01-21 03:36

Hong Kong card is losing value again; it should have been withdrawn long ago.

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ApeEscapeArtist

· 01-19 01:11

Here comes the harvest again; the ten-year free ride with a Hong Kong dollar account has come to an end.

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GasFeeGazer

· 01-18 14:45

Hong Kong cards really are no longer worth it; the 10,000 threshold directly discourages me.

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SellLowExpert

· 01-18 14:45

You're trying to harvest the leeks again, are there really still people playing with Hong Kong cards?

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SilentObserver

· 01-18 14:42

If the Hong Kong dollar is less than 10,000, fees will be deducted. Isn't this just pushing the poor... No wonder everyone is considering changing cards.

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PumpStrategist

· 01-18 14:28

The industry chip distribution has been finalized; low-end users are just being pushed out, and this pattern couldn't be more obvious. --- Wait, the threshold of 10,000 HKD... isn't this just screening for quality customers, a classic 80/20 split? --- HSBC led a round of cuts, followed by Bank of China. By the way, are all these banks collectively releasing risk? --- A monthly fee of a few dozen dollars doesn't sound like much, but calculate the probability cost over a year... for many people, the benefits from their Hong Kong cards barely cover it. --- Interesting levels are coming up. This wave of fee charging is essentially about optimizing user structure, reflecting increased deposit cost pressures behind the scenes. --- In simple terms, it's about pushing out those without money; the remaining are high-net-worth clients. The market sentiment indicator is very clear. --- It's a typical rookie mentality—still hoping that keeping a Hong Kong card will appreciate? Now, even lying around incurs fees. --- I saw the trend three days ago; the risk release from low-asset accounts has already begun.

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quietly_staking

· 01-18 14:27

Is it time to cut the leeks again? Hong Kong cards are really becoming more and more useless I've said it before, Hong Kong banks can't hold on anymore Charging for ten thousand yuan, who can stand that? Instead of messing around with Hong Kong cards, it's better to use on-chain stablecoins directly This move by the banks is truly brilliant, forcing retail investors to withdraw It feels like the era of Hong Kong cards is really coming to an end

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