title: “Apply for a CNCBI Hong Kong Card” tags: [] slug: cdfff1ea date: 2021-12-04 20:58:09 summary: “Guide to applying for a CNCBI Hong Kong card: application checklist, remitting funds, withdrawals, and practical tips.”

I hadn’t had a HK/US card before. Recently my company organized a group application, so I registered. The procedures are complex; jotting them down so I don’t forget.

Card application process

• Register/log in to the Futu app → My profile to see your NiuNiu number.

• Apply for a CNCBI stored value card, transfer a small amount and make some transactions so there is activity within the last 3 months for witness verification.

• Fill in the account opening application and save as PDF.

• HK/Macau travel permit or passport — print a photocopy (either one is fine).

• Use the CNCBI app to print the latest 3 months of statements.

• ID card copy — keep the original size, do not scale.

• Witnessed account opening — provide the following per the lawyer’s requirements:

  • 开户申请书
  • 身份证复印件/原件
  • 港澳通行证复印件/原件
  • 中信银行流水复印件
  • HKD 500 witness fee + HKD 30 postage

• Email: CNCBI (International) — Additional info for remote account opening.

• Email: CNCBI (International) — Application approved.

• HK courier — PIN letter.

• Wait for a CNCBI International verification call (HK number).

  • If you miss it, call back (faster) and tell the IVR: HK card activation — 4008425558 (CNCBI).
  • Fill in online forms after 2 business days.

• First‑time registration: https://www.cncbinternational.com/home/sc/index.jsp

  • Guide: https://www.cncbinternational.com/personal/e-banking/demo/firstreg/sc/firstreg.html

• HK courier: receive physical card in 3–4 weeks.

• Activate by transfer: deposit > HKD 10,000 (recommend HKD 10,500) to avoid account closure risk.

Notes

• Photocopy requirements:
  • 彩印/黑白均可，
  • 复印不要压缩尺寸大小，保持与原件一致
  • 单面复印
• Do not use a collective household address for ID/address in the application.

Remitting to the HK account

To fund your HK account from mainland, you need FX purchase + overseas remittance, which incurs fees.

• I recommend the CMB app — better experience.

• In the app, search for 外汇购汇 (FX purchase) and follow the prompts.

  

• After purchasing FX, search for 境外汇款 (overseas remittance) and proceed. Mind the remittance fee; selecting “recipient pays” is about 150 CNY.

• After approval, confirm receipt on the HK account portal.

• 操作完整介绍，参考这里

Withdrawals to RMB

ATM withdrawal

1. Enable overseas ATM withdrawal.

   

2. Withdraw directly; each transaction fee is 15 RMB. Use CNCBI ATMs to avoid extra fees. Single withdrawal limit: 5,000 RMB.

Remit to a mainland account

1. 类似汇款到港卡，在网站上直接选择汇款转账，有手续费
2. 国内银行App收到汇款后操作接收即可

FX purchase/settlement quotas

Separate quotas, both at USD 50,000. You can view remaining quota during operations.

HK account information

After receiving the card, note the following for future use:

1. 账户名

   如果是拉丁文的话，那就是拼音大写，有空格

2. Routing Number

3. SWIFT Code

4. 分行地址，有时多个分行地址是相同的，这个正常，但分行名称是不同的

5. 银行编号-中信是18

6. 分号编号，这个根据分行查询，比如我的是德輔道中分行，对应就是694，查询地址可以看这里

7. CNCBI accounts have HKD/CNY/USD sub‑accounts. For transfers/withdrawals, use the 12‑digit account number for the specific currency, not the card number.

Avoid account closure due to inactivity

以下部分摘自雪球

1. Log in regularly (at least 1–2 times per month).

2. Make 1–3 valid transactions within 3 months (e.g., savings → current transfer, or a currency conversion).

3. Keep the required minimum balance. CNCBI has no strict minimum; keep HKD 100 to be safe.

4. Avoid “fast in, fast out” (e.g., deposit 200k one day and withdraw the same day or next day).

Reactivation

If the account status shows D (dormant), you can reactivate via the mobile app. HKD/USD/CNY sub‑accounts need separate activation.

Transfers between sub‑accounts

If funds arrive to USD but you need HKD, transfer between sub‑accounts. Note: only on business days.

Customer service

Call: 400 842 5558 (Mandarin supported). Don’t call mainland 95558 — CNCB and CNCBI are different.

App

• 手机端使用的话，下载中信银行国际App
• Web端使用的话，访问 https://www.cncbinternational.com/home/sc/index.jsp

Note: No concurrent logins across multiple devices.

Final Thoughts

Do it once, benefit long‑term — better to get this set up early.