New Eva of Virtual Bank? 虛擬銀行的新紀元?

You may hear about virtual bank (VB) recently however do you really understand what is virtual bank? Along with the digital business becoming the main trend in 21 century, banking service is not an exception. As the name virtual bank, there is no bricks-and-mortar branches (Some of bank may locate a back office for technological contact only). For the normal banking service such as account opening, deposits and transaction, all movement are handled via mobile app or online platform. Comparing with traditional bank, virtual bank is an innovative idea to revolute the financial industry. So, how can virtual banks benefit to your business?

First, virtual bank provided a convenient transaction platform. Some of the virtual bank users’ may target their market outside Hong Kong especially the e-Commercial Industry. Due to the time zone difference, the traditional bank cannot handle the transaction immediately. At least, you have to wait for the next working day. However, virtual bank solved this limitation. All the transaction services can be performed online no matter anytime and anywhere. It saves the time cost and overcome the geographic restrictions.

When you apply for a traditional bank account, the bank often requests the minimum deposit that you need to bank in. For start-up companies, it may be unable to bank in a huge amount of circulating capital suddenly. Therefore, virtual bank account is an alternative for start-ups. Normally, most of the VBs have no minimum threshold. It is user-friendly for the start-ups company because they can create an account regardless of their financial statement.

You may be concern about the safety and security of VBs. Please rest assured that all VB are licensed banks regulated by the Hong Kong Monetary Authority (HKMA). Recently, there are totally 8 virtual banks are permitted by HKMA. Those banks are legal to operate in Hong Kong. For the VB client protection, it just like the traditional bank client who is entitled to deposit protection of up to HK$ 500,000. You do not need to worry about the VB closed down suddenly. As a result, VB provided enough protection on safety issue.

Virtual Bank is a renovative bank service in Hong Kong and the account application is quick and convenience. As the foreign experiences pointed out that VB is a significantly method to save on time and cost. Without doubt, VB could not completely replace the traditional bank cause the extra services such as insurance, loan and stock are only provided by traditional bank. Nonetheless, VB is a good replacement for new start-ups companies before they successfully apply a conventions bank account.

No idea with the procedure of applying virtual bank account? It is not a big deal. Contact us now, we can assist you to apply an account. If you have any enquiries related to Virtual Office/ Company Formation, please feel free to drop us an email at info@kpc-hk.com / Whatsapp us +852 9168 9205 anytime.


您可能最近經常聽到了虛擬銀行(Virtual Bank)這個名詞,但是您真的了解什麼是虛擬銀行嗎?隨著數位業務成為21世紀的主要趨勢,銀行服務也不例外。稱為虛擬銀行的意思,即是銀行沒有實體分行(某些銀行可能會為技術支援而設立一個後台辦公室)。對於正常的銀行服務,例如開戶,存款和轉賑,所有貨幣交易都通過手機應用程序或在線平台進行。與傳統銀行相比,虛擬銀行是金融業中的創新技術。那麼,虛擬銀行如何使您的業務受益?

首先,虛擬銀行提供了便利的交易平台。一些虛擬銀行用戶可能將目標鎖定在香港以外的市場,尤其是電子商務行業。由於賣家舆顧客的時區未必相同,因此傳統銀行無法立即處理交易。您必須等待下一個工作日才能完成匯款。而虛擬銀行正正解決了此限制。無論何時何地,虛擬銀行用戶所有的交易服務都可以在線執行。它節省了時間成本並地理限制。

當您申請傳統的銀行帳戶時,銀行通常會要求您在户口裏存入的最低存款。對於初創公司而言,它們可能無法突然調動大量的流動資金放進銀行户口內。因此,虛擬銀行帳戶是初創企業的替代選擇。通常,大多數虛擬銀行沒有最低存款要求。十分方便沒有傳統銀行帳戶的初創公司,因為無論他們的業務如何,都可以創建一個帳戶,同時免去了一系列繁複的步驟和準備文件的時間。

您可能會擔心虛擬銀行的安全性。請放心,所有虛擬銀行都受香港金融管理局(金管局)監管。最近,金管局總共允許8家虛擬銀行在香港合法營運。對於虛擬銀行客戶的保護,虛擬銀行與傳統銀行一樣,參加了存款保障計劃,存款有最高50萬保障。您無需擔心虛擬銀行突然倒閉。由此可見,港府在虛擬銀行安全問題上提供了足夠的保護。

總結而言,虛擬銀行是香港的一家種革新性的銀行服務,帳戶申請快速便捷。正如外國的經驗總結出,虛擬銀行是節省時間和成本的有效方法。毫無疑問,雖然虛擬銀行無法完全取代傳統銀行,因為保險和股票等額外服務僅由只有傳統銀行提供。但是,虛擬銀行可以為初創公司成功申請常規銀行帳前,提供一個最基本的銀行服務平台,為企業打好基礎。


不了解申請虛擬銀行帳戶的程序嗎? 沒問題。現時我們正與數間海外的虛擬銀行合作。可以透過我們協助您申請帳戶。 同時,如果您有關於虛擬辦公室/公司組建的任何疑問,請隨時通過info@kpc-hk.com/Whatsapp向我們發送電子郵件+852 9168 9205。